davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 2 credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report : XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22
Consumer complaint received 2023-11-12
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. (CO)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be updated. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be updated immediately. 

XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (TN)

I want to make all consumers and stores aware of more fraud being used by Wells Fargo banks. I opened a store credit with XXXX XXXX to finance new windows and siding on. When first on the website applying I did not know it was backed by Wells Fargo. Had I known prior, I never would have used their financing. As Wells Fargo takes extra steps to fraud its customers. I signed an agreement on XX/XX/2023. My contract states I would receive a promotion of 6.99 % for 48 equal months. My total amount is {$16000.00}. Even though the windows and siding where charged seperate days, they are both under the SAME promotional deal. which should make the payments {$400.00} My husband noticed an issue when the second bill arrived, that would show the charges for both windows and siding and it did not reflect an accurate amount. We are being billed {$400.00}. While this XXXX seem small, it adds up! I called Wells Fargo on XX/XX/XXXX and spent XXXX minutes on the phone trying to get them to explain their math. To which no one could explain. I finally spoke with a woman and was told she was further up the chain and could explain why my bill was slightly higher. ~ I recorded this call at this point~ She said to me that Wells Fargo XXXX my total amount and used a base intrest rate of 2.42 % ( not divided over months ) and that is where they come up with {$400.00}. That amount based on that math matches what my bill is. However it is NOT abiding to my contract and is allowing them to slip in {$3.00} extra each month. I was told I would go into a 10 day dispute process to resolve the issue, but only received another call on XX/XX/2023 stating they find no errors and the previous information was wrong. I recorded this lady also, because I'm also being charged ans extra {$27.00} intrest fee and their calculations are still incorrect. I was told that extra intrest fee was a 4.99 % charge on my monthly balance. To which she would bounce back and forth between 6.99 % and 4.99 % not making sense of why now I its an extra 4.99 %. I'm not sure if they simply read a script from a book, but when I would question her, she would claim she didn't say 4.99 % but said 6.99 %... again I would repeat and ask her to re explain the fees and she would say it again. I had enough of her XXXX XXXX XXXX  XXXX, and told her I was ending the call. 
I fully believe Wells Fargo is slipping in small portions of extra fees on every customer. Most consumers do not think to figure the math, especially if the amount is decisively close to the actual amount. 
Wells Fargo is also not keeping to their agreements with businesses to honor their promotions. Which most consumers will blame the businesses for
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (GA)

I applied for a Navy Federal Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 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 a account without my written instructions 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
Consumer complaint received 2023-10-12
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$1700.00}.
Consumer complaint received 2023-10-12
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. (OH)

I am writing to bring to your attention a concerning matter regarding my credit report. After reviewing my credit report recently, I discovered an account that appears to be fraudulent. The account in question is as follows : XXXX XXXX XXXX XXXX I have never had any dealings with the mentioned creditor, nor have I authorized any such account. This discrepancy is deeply troubling and has the potential to adversely affect my creditworthiness and financial standing. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, and I expect that your institution will comply with its legal obligations in this matter. 
I request that Experian initiate an investigation into this matter to verify the legitimacy of the account and take appropriate action as necessary. This may include removing the fraudulent account from my credit report and preventing any further damage to my credit score. 
I trust that your bureau will take this matter seriously and act promptly to rectify the unjust denial of my identity theft claims. Failure to do so may compel me to seek legal counsel and contact relevant regulatory authorities to address this issue.
Consumer complaint received 2023-10-12
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)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXXXXX XXXX XXXX XXXX Please delete this fraudulent account immediately.
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (TN)

I have been disputing this account as fraudulent for 3 years now. I have never done business or opened a XXXX Account nor authorized XXXX to access my personal information or report to credit bureaus on my behalf. 

This account is fraud and has not been accurately verified whatsoever. It is affecting my creditworthiness and ability to purchase a home. This is NOT my account and I have no knowledge of who opened this!
Consumer complaint received 2023-10-12
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. (MS)

On XX/XX/XXXX, I have mail Transunion documents for several account that are fraudulent. This been going on forever. I have sent a FTC report, Notarized affidavits, letters from the creditors ( copys ) & police reports. Unfortunately, these accounts are still being reported to my credit report. There are a total of 5 XXXX XXXX accounts. In addition, XXXX XXXXXXXX XXXX XXXX, and XXXX. I spoke to a representative in the fraud department and the representative name XXXX told me on XXXX XXXX XXXX  that all 8 accounts were being removed. Th next day I called another representative told me that they not being removed. Unfortunately, transunion is not doing a reasonable investigation. They have all of my documents but ACT as if they dont have them and they not attaching any of the right documentation to my disputes! This been going on for several of months. They rescinded my block for whatever reason? I have not obtain and possession of good with none of these 8 accounts. I sent in a method of verification they didnt respond to it. They didnt show me any proof of how are these accounts verified and they dont belong to me. So now I am filing a complaint and a potential lawsuit against them because of these items are damaging my business. XX/XX/XXXX I have mailed more documents supporting my dispute my reference # is XXXX.
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

Today, XX/XX/23 Paypal refused to close my account with no outstanding transactions & XXXX balance. Fraudulent excuses range from unauthorized monitoring of unrelated completed purchases, phony charges, & my personal favorite, " computer system glitch ''. Give me a break. This proves data mishandling & unlawful monitoring.
Consumer complaint received 2023-10-12
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage made a mistake servicing my loan, the problems were resolved, Freedom mortgage admitted that they made an error servicing my loan but in the process they negatively marked my credit history. Calling them, sending them the requested documents has not resolved the issue of the credit damage. They have refused to remove the mark on my perfect credit history.This effects my clearance for my government contracts, and also my financial future
Consumer complaint received 2023-10-12
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : # :, XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
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 a 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. 16815-2 ( AN1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-16
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. (MO)

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud. XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-12
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. (GA)

I recently received a copy of my credit report and learned that I have been a victim of identity theft. This is hindering me as I am currently trying to purchase a home. Please remove these fraudulent accounts as soon as possible.
Consumer complaint received 2023-10-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LD Holdings Group, LLC (SC)

I requested a forebearance prior to my mortgage becoming delinquent in XXXX of 2023. I had no response from loan depot. I applied again XXXX of 2023 and I fully believe that loan depot is deliberately dragging its feet on offering me resolutions. My mortgage is very low compared to the value of my home. I want to stay in my home and I want to find a mutually agreeable solution to do so. Loan depot has purposely made it so that I can no longer make payments online. My forbearance denial letter came in the mail with ONE day to spare to allow for an appeal. I want the appeal and have had two follow up phone calls in 30 days with no resolution. In the mean time I am suffering every moment waiting on a resolution to this. I have an FHA mortgage with a valid cause of divorce to allow for a forbearance.
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (FL)

This is the several times I've complained about some erroneous accounts in my report. You must correct and update these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be corrected. 

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
Consumer complaint received 2023-04-28
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. (PA)

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 

XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX. # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 

I have a right to privacy. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-12
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. (AZ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.