davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, 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. (TX)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED ONXXXXREPORTED AS CHARGE OFF UNPAID.XXXX XXXX XXXX $ XXXXACCOUNT OPENED ONXXXXREPORTED AS COLLECTION UNPAID.XXXXACCOUNT XXXX OPENED ONXXXXREPORTED AS CHARGE OFF UNPAID.XXXX  XXXX XXXX XXXX NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX NUMBERXXXXBALANCE XXXX XXXXACCOUNT OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXXACCOUNT XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXXXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXXBALANCE -ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT XXXX-ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXXBALANCE-ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX-ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID. 


15 U.S.C, 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00}, XXXX XXXX XXXX XXXX  : {$0.00}, XXXX XXXX XXXX  : {$5900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX {$1600.00}, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX XXXX XXXXXXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX XXXX : {$24000.00}
Consumer complaint received 2018-10-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I previous submitted a complaint against Bank of America ; however, the 100 page response didn't address nor verified proof that the Deed of Trust was transferred from XXXX to Bank of America in XX/XX/2011. Nor was their reason for an increase in my mortgage valid. They stated the ( Escrow ) property tax and mortgage home warranty was the reason for the increase in my mortgage ; however, neither increased. Bank of America transferred my loan to XXXX XXXX  without providing them with my loan history, loan documents nor the deed of trust. Therefore, I'm unable to dispute the increase in mortgage with XXXX because they stated they were not provided with any loan from Bank of America. Any assistance is greatly appreciated. XXXX XXXX BOA:XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-28
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. (MN)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX XXXX Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-11-28
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. (TX)

Equifax, this complaint is my final communication regarding your claim that the account below is being reported accurately. Complaint # XXXX, which I will attach to this complaint, states that the company listed on my credit report is not the correct agency. The original creditor has not validated this debt, and the agency listed on my credit report can not validate the debt because they are not the point of contact. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for XXXX  XXXX. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. Equifax is the only credit bureau reporting this inaccurate account. I also sent a debt validation letter to the collection agency over 30 days ago, and they have failed to respond so how are you reporting this account as accurate? I will attach the debt validation letter which is dated and time stamped. The following account is to be removed from my credit report within 14 days due to false and misleading information : XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am refiling this complaint due to the resolution of the previous complaint filed. Again the account is appearing to have a late payment even if I was not late. XXXX XXXX I demand you to update this on my report cause it's clearly a violation of my rights.
Consumer complaint received 2024-04-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Borrower XXXX XXXX Your payment schedule will be as follows : Number of Payments XXXX Amounts {$300.00} XXXX {$300.00} When payments are due First payment is due on XX/XX/year>, and then monthly on the same date thereafter. 

Late charges : If your payment arrives after your XXXX grace period, you will be charged a late fee in the amount of {$15.00}. This fee is charged only once per late payment. 
Prepayment policy : If you pay off your loan in advance, you will not be charged a penalty. In the event of a prepayment, you will not be entitled to a refund of any pre-paid finance charges or other fees. 
See your Loan Agreement for any additional information about nonpayment, default or other matters related to your loan. 
Itemization of amount financed : Amount of Your Loan : {$10000.00} Origination Fee : {$690.00} Amount Given to You Directly or your designee : {$10000.00} The interest rate equals approximately XXXX. How was this calculated? If a weekly payment is made to XXXX XXXX on weekly basis, the amount owed is lowered. With this loan the amount paid during the month goes to interest, not the principal. 

Also if the principal is paid in full does this resolve the loan as paid in full. To pay off the principal is {$12000.00}. How does this effect interest payment?
Consumer complaint received 2023-11-09
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. (WI)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Vehicle was broken into - briefcase with identification and credit cards taken. XX/XX/XXXX. ALERTED Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX  FROZE ACCTS AND CORRECTED ACCTS CAPITAL ONE, AND XXXX  XXXX ISSUED NEW CARDS BASED ON FRAUDULENT ACTIVITIES THEN WHEN XXXX XXXX  REFUSED FRAUDULENT ACTIVITIES USED THEIR DENIALS TO CANCELLED MY CREDIT CARDS
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/year> sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that the furnishers STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to the Discover on XX/XX/year> : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (WA)

I discovered a collections account when I pulled my credit report. After digging around it was determined this account was a XXXX account. The address they show that opened the account was in XXXX. I have lived in Washington State since XX/XX/1990. 
I have disputed the debt several times. I have never received any bills on this account. The address on file was determined to be fraud and was removed immediately, but the collections still remains on my credit report. 

After doing some additional investigation it appears this company does this quite often to other unsuspecting consumers. 

Focus Receivables Management XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

XXXX, XXXX and Experian have a Bankruptcy listed in my/our Credit Files ... ... ....!!

I/WE DID NOT FILE BANKRUPTCY!! I have spoken at length to the Court House here in XXXX and they have NO record of said Bankruptcy. I have requested that it be removed and these Agencies, which I believe actually work with ID thieves, refuse to remove this erroneous information. They have had this in my/our credit files since XXXX, the same year someone filed a XXXX Federal Tax Return in my name only, and we have filed a JOINT Return since XXXX?!?! They have flat out refused to remove it. From XX/XX/XXXX-XX/XX/XXXX I was in XXXX dealing with a XXXX XXXX XXXX our daughter was having!!! Either these " Credit Reporting '' Agencies are above board or they're the reason why ID theft is on the rise. Perhaps they work with these thieves, then the fraudulent companies that profess to clean up your credit report ; I don't put anything past anyone. All I know is, I/WE did NOT file bankruptcy in XXXX, and the Court House has no proof that any Bankruptcy was filed, cause they WOULD have proof of payment because it COSTS money to file bankruptcy!! These " credit reporting '' Agencies seem to be nothing more than a portal into ones personal information, particularly of late with all their " breaches??? '' This FALSE item has cost us 10 's of thousands of dollars!!! This is the final attempt to do this without Litigation, because if we have to Sue, we will be coming for the BIG BUCKS!! Cause this XXXX has to stop!!
Consumer complaint received 2023-11-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (CO)

I received a right to cure default letter from Wells Fargo.. 
since that letter I have requested no less than 5 ( five ) times assistance from Wells Fargo to get my original loan documents, deed as well as title documents.. 
it has now been several weeks and my deadline is XX/XX/2023 can you help?
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TN)

Southwest Recovery Services posted a debt to my credit report that I did not owe. I spoke to them on XX/XX/24 and provided documentation showing that I did not owe this debt. They verified that I did not owe the debt and informed me it would be removed from my credit report on the XXXX or XXXX of XXXX. It was not removed from my credit report and I am suffering severe financial losses as a result.
Consumer complaint received 2024-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc. (ID)

I received an initial letter that a debt of {$21.00} had been sent to collections from Mountain Land Collections on XX/XX/XXXX. I was not familiar with this and I asked the company to verify the debt. On XX/XX/XXXX I received a letter from Mountain Land Collections, letting me know the debt was now {$24.00} and it had come from XXXX XXXX XXXX. I have never heard of this company and when I looked them up, I saw that all of their locations and physicians were located in Utah. I do not live in Utah and have never sought medical care of any kind in Utah. Further, the debt was submitted under the name " XXXX XXXX '' but my name was legally changed in XXXX to " XXXX XXXX '' and I do not get services from anyone using the name XXXX anymore. I'm uncertain if this debt is an error or a form of identity theft.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.