davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under XXXX XXXX Code XXXX ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under XXXX XXXX Code XXXX ( a ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX Credit Card | Account : XXXX | {$7600.00} | 30 day late | I have not received my statement and unless they can provide me proof the statement was mailed to my address on file within 21 days of the due date then any late indicators need to be removed. 

XXXX XXXX XXXX | Account : XXXX | {$10000.00} | XXXX | This account has been claimed to be verified yet I have requested any and all documentation that was used showing whatever contract or inquiry, signature, showing that this account is indeed mine. They have failed to provide this which is a violation of federal law. I know for a fact that they can't produce any proof showing that this account is mine seeing as I never did any business with this company. This will be an account that I will be filing a lawsuit for if its not removed immediately for failure to validate that account or provide documentation to that effect.
Consumer complaint received 2023-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (DC)

Last week I spoke with XXXX an Executive Office Case Specialist with Wells Fargo Home Mortgage in regards to receiving a Modification. She informed me that " I should remain in Bankruptcy and Wells Fargo as I said will not offer me a Modification or restructure payments '' despite the fact that I have provided evidence of wrong doing on their behalf. As a result, I have contacted three Law Firms at the request of CFPB ( Thank you ) in regards to attaching our Case to their Class Action Law Suits. Thus Far 1 specific Law Firm has agreed. I am awaiting responses from the previous two Law Firms. I have contacted The Justice Department and I was informed that they can take legal action on my behalf once the Class Action Law suit is recognized. 
Once approved fully, I would like for the CFPB to assist me in Direct action against Wells Fargo Home Mortgage. They DO NOT WANT TO OFFER ME A MODIFICATION OR WORK OUT OPTION. 
Thank you
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After reviewing my credit report, I noticed a multiple unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX  XX/XX/2023 Unauthorized XXXX  XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - XXXX $
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have 2 accounts on my credit report from XXXX XXXX. One I paid off over 7 years ago and another that I paid through their collections company XXXX XXXX XXXX. My debit is clear and this is against the law to report debit that isnt there. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

Please Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im begging you to remove these items. Ive already paid my dues
Consumer complaint received 2024-05-12
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report attached to the XXXX! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, birth certificate, driver 's license, and a w2.This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. POTENTIAL LAWSUITS LIST : XXXX, XXXX and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  - Account Number XXXX XX/XX/XXXX XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX XXXX Original Creditor : XXXX - Account Number XXXX XX/XX/XXXX XXXX / XXXX / XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name CBE GROUP Original Creditor : XXXXXXXX XXXX  - Account Number XXXX XX/XX/XXXX XXXX / XXXX / XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
XXXX Inquiries XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX XXXX XXXX
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am theliving man, executor, beneficiary of XXXX XXXX. It has come to my attention that althoughI have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : Original Creditor : XXXX ACOOUNT NUMBER : XXXX Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX  Account number : XXXX Please remove account. 

XXXX XXXX : XXXX Account XXXX : XXXX Please remove account. 

XXXX XXXX : XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove account. 

Original Creditor : XXXX  Account Number : XXXX Please Remove account. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove account. 

UPDATE FOLLOWING ACCOUNTS TO XXXX DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My father and I have social security numbers that are one digit apart and have the same first and last name. 

We have different addresses and different histories but the reporting agencies always have material that ends up on one or the other. I'd like to have his information off my history because it frequently causes problems for backgrounds checks at work. This is the 3rd time this has happened over 15 years.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is in violation 1- My previous dispute did not ask you for accuracy or validation. 
2- You reported alleged transactions as Late on different accounts, which are inaccurate on my report. 
3- You failed to provide proof from creditors providing a 21 days notice before due dates Accounts ( A ) XXXX ( B ) XXXX ( C ) XXXX ( D ) XXXX ( XXXX ) XXXX ( F ) XXXX ( G ) XXXX ( H ) XXXX ( I ) XXXX PLEASE READ ATTACHED LETTER WITH LAWS AND REMOVE THE LATE PAYMENTS ON MY CONSUMER REPORT
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Dear TransUnion Consumer Dispute Center, I am writing to dispute the accuracy of information on my credit report, specifically in relation to the alleged debt associated with my account XXXX. I hereby request that you provide proper debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Current Balance : {$250.00} I want to clarify that I canceled my membership with XXXX XXXX on XX/XX/2023, both at the front desk and through email correspondence with the XXXX XXXX XXXX at XXXX, following the instructions provided by the Vasa staff. Enclosed with this letter, you will find copies of the relevant email communication that validates my cancellation. The email clearly shows that I followed the appropriate procedures to cancel my membership. 

Furthermore, I continued to be charged despite the cancellation of my XXXX XXXX membership, as outlined in the attached documents. These unauthorized charges are not in accordance with the terms of the contract and further substantiate the invalidity of the alleged debt. 

As such, this alleged debt is invalid, and I demand that you cease all attempts to include it on my credit report. Pursuing the reporting of a debt without proper validation and evidence of its legitimacy is a violation of the FDCPA, specifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ), which state that a credit reporting agency must ensure the accuracy of the information it reports. 


Moreover, I believe this debt collection attempt is a clear act of retaliation for a negative review I left on XXXX for XXXX XXXX. I want to remind you that retaliating against a consumer for exercising their right to leave a review is not only unethical but also illegal under the FDCPA, section XXXX, and potentially violates state laws as well. 

I kindly request that you conduct a thorough investigation into this matter and, upon verification of the inaccuracies, promptly update my credit report. As per the Fair Credit Reporting Act ( FCRA ), I expect this investigation to be completed within 30 days. 

Enclosed, please find copies of the following documents for your review : Original Contract Email Sent for Membership Cancellation ( XX/XX/2023 ) Unauthorized Charges Documentation I appreciate your prompt attention to this matter. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. Thank you for your cooperation in resolving this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violation my rights. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify account that aren't reporting correctly. 

15 U.S.C 1681 section 602 A. states I have the to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can't furnish a account without my written instructions.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hello, I have been dealing with a long back and forth with all three credit bureaus over a large amount of fraud and inaccurate information across my entire report. On XX/XX/year> ( and a few times before ) I have sent disputes to XXXX XXXX XXXX XXXX what appears to be an auto loan that is reported on my XXXX Report. I have submitted documents and attempted to contact the creditors. They all have failed to comply even after the thirty days after XX/XX/year>. They have not responded to the latest dispute as of XX/XX/year> XXXX. I am please requesting that this matter be resolved for my sake. Thank you so much for your time.
Consumer complaint received 2024-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Last year I withdrew from my XXXXXXXX XXXX  with XXXX XXXX. I entered an extra 7 in my USAA account number. I contacted USAA and they requested a Letter of indemnity from. XXXX XXXX. I uploaded, faxed, and XXXX XXXX mail the XXXX to USAA. USAA refused to deposit my money.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX : [ JPMCB CARD ] [ XXXX ] XXXX : [ JPMCB CARD ] [ XXXX ] XXXX : [ JPMCB CARD ] [ XXXX ]
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NY)

In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

XXXX XXXX General Manager fraudulently without permission falsified documents/folios at XXXX XXXX XXXX XXXXXXXX, checking me into/out of room charging my debit card XX/XX/XXXX, after he XXXX XXXX was not present on or at property, BLATANTLY LIED AND ACCUSED ME OF BEING ON XXXX XXXX AND ACTING ERATIC AND HAD FRONT DESK STAFF CALL XXXX POLICE DEPARTMENT AND HAVE ME ESCORTED OFF PROPERTY WITH MY XXXX XXXX XXXX son! Its all on surveillance cameras on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, Al. WHEN I WAS OUT XXXX SHOPPING ALL DAY! {$140.00} was credited back to my account by my card company and today at XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX central time approximately XXXX XXXX charged my XXXX CARD ENDING XXXX exp : XX/XX/XXXX for {$270.00}, {$110.00}, & {$45.00} usd WITHOUT MY PERMISSION AND OR INFORMED CONSENT IN WHICH I DID NOT NOW OR IN FUTURE GIVE YOU ANY PERMISSION! It was done in retaliation for myself and others who called XXXX XXXX XXXX XXXX  on him for being discriminatory! XXXX XXXX as the General Manager abuses his power and access to Credit Card Numbers ( because he as GM is the ONLY INDIVIDUAL WITH ACCESS TO DO SO! ) to BREAK THE LAW AND COMMIT CREDIT CARD FRAUD AND FINANCIAL ABUSE STEAL BY MAKING UNAUTHORIZED TRANSACTIONS CAUSING ME ADVERSE ACTIONS TO MYSELF MY SON AND MY LIVELIHOOD WITHOUT MY CONSENT when I MYSELF AM NOT PRESENT ON PROPERTY A WEEK AFTER MYSELF AND MY XXXX XXXX XXXX son was ESCORTED OFF PROPERTY UPON RETURNING AFTER BEING OUT ALL DAY XXXX SHOPPING AND THAT IS ALSO PROVABLE BY SURVEILLANCE CAMERAS ON PROPERTY! Please Note : XXXX XXXX thinks he can get away with his crimes because he fraudulently had myself and my XXXX XXXX XXXX son trespass from property via TELEPHONE CALL THROUGH HIS FRONT DESK STAFF WHOM WERE 2 XXXX MALES AS WELL! XXXX XXXX WAS NOT ON PROPERTY WHEN HE COMMITTED THIS EGREGIOUS VIOLATION CRIME AND NEITHER WAS I MYSELF OR MY SON! 
XXXX XXXX has been reported to corporate XXXX XXXX XXXX XXXX XXXX XXXX My Bank , XXXX XXXX Cyber Crimes XXXXXXXX XXXX, FTC, and now CFPB. 
I have consulted with counsel to take legal actions against XXXX XXXX personally, franchisee, XXXX ( breach, CREDIT CARD FRAUD UNAUTHORIZED USE OF A CC, violation of myself and my minor sons civil rights, false police reporting, defamation/slander to XXXX, front desk staff ( in which could have gotten myself and my my child Killed for false fraudulent reporting, abuse of power accessing cc information for nefarious use committing a crime. ) I AM NOT ANYWHERE NEAR XXXXXXXX XXXX XXXX XXXX XXXX I DID NOT SWIPE MY CARD, TAP TO PAY, or give my CONSENT PERMISSION AND OR AUTHORIZE ANY CHARGES ON MY CARD! Refund my money!
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Demand you EXCLUDE the following TRANSACTIONS/EXPERIENCES from XXXX from my consumer report! According to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) EXCLUSIONS-consumer report DOES NOT INCLUDE- ( A ) ( i ) Report containing information solely as to TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT, Also According to 15 USC 1681b-Permissible Purpose of Consumer Report DL for proof of identity ( address getting changed asap on DL ) and proof of address is uploaded so there wont be any reason for stall tactics as these items have been submitted on multiple occasions previously via certified mail