davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2018-12-17
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: Colony Brands, Inc. (NY)

XXXX has been non-compliant with removing the unverified account XXXX & XXXX Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX & XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called Transunion and spoke with the Fraud department 3 times, regarding an unauthorized XXXX XXXX inquiry. Customer service at Transunion would not help correct my file by deleting the unauthorized inquiries reporting to my credit report.
Consumer complaint received 2023-11-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dankos Gordon & Tucker PC (VA)

XX/XX/2023, I was provided with written acknowledgment from Danoks, Gordon and Tucker to repay a debt in the total amount of {$2600.00} ( including fees and interest ). As of XX/XX/2023, I entered a written repayment plan to make 7 payments of {$370.00} to satisfy the amount owed with the first payment applied in XXXX. My first payment was made on XX/XX/2023, making the agreement effective and I have made a payment each month since that time ( as agreed upon ). As of XX/XX/2023, I received a new notice from XXXX XXXX indicating that the amount provided in writing on company letter head would not be honored and was no longer valid. She indicated that the debt amount had increased due to interest. There is nothing in the attached agreement or email ( from XXXX XXXX on XX/XX/2023 ) indicating that the amount owed would increase based upon a pier diem. In fact the amount of {$2200.00} does consist of interest as outlined in the written agreement, on company letterhead. I will continue to make a total of seven payments to satisfy the amount of {$2600.00} owed. However, a company can not provide an agreement and then change the terms of the agreement without notice. It is the responsibility of the debt collector to uphold the agreement as outlined. And this is not the case. At no time was I previously advised that the amount of the original debt would change based upon a daily interest. I was not advised the rate of daily interest or any other additional terms. Please review this matter to ensure that it is indeed within legal limits. I have asked for XXXX XXXX for documentation that I was provided indicating that the amount of the original debt would or could change based upon a daily interest rate from the collection agency and that has not been provided. This was requested on XX/XX/2023 and I have yet to receive anything were that was provided during the time I entered into agreement on or after XX/XX/2023. Nor is it outlined in the notice I was provided on XX/XX/2023.
Consumer complaint received 2023-05-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Please review I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists.
Consumer complaint received 2023-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NY)

I lost my phone. And there were unauthorized transfers from zelle on my bank accounts from different bank. Those transaction taken place between XX/XX/2023 and XX/XX/2023. They change my bank account. I talked to my bank snd they denied my claim. And told me that these transactions are not unauthorized. I think somehow they have access to phones.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (IL)

I am XXXX XXXX didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ND)

I received a credit inquiry alert from Experian credit monitoring service that 's provided to me. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-02
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, 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 The 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 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

WFM h ave ignored my complaints, pretending they do n't exist.   
We settled our mortgage in full with WFM after Wells  agreed to remove the unfair late Charges from our account.They removed over {$5000.00} in late charges.WF claimed it was a 'courtesy'.. while we pointed out WF had lost a similar case in New York when trying to force mortgage holders to pay unfair late fees and had to remov  e the charges.     The same department and employees at  Wells Fargo have been consistently harmful to us.   Wrongfully referring to my serious health problems at  XXXX , making intentional delays to harm us.     Having removed the {$5000.00} in late charges, this department has now very unfairly refused to remove the late harges from our credit reports. _Thereby causing us to lose new mortgages and making it impossible to buy a new home.     We told t his to WFM  but they refused to care or help.     Please could the CFPB help..   Please refer this to th  e CEO of Wells Fargo for a direct response.. ... ..
... ... as this deprtmet at WF ha  s been so biased against us and mean spirited.   It costs nothing (  zero $ )   to  do the right thing, yet they so wrongfully refuse.   They are standing on our throats, ruining our lives.     At my stage of life l want to get my wife settled before l die.
Consumer complaint received 2023-07-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I initially notified the consumer reporting agencies ( XXXX, XXXX, and Transunion ) XX/XX/2023 to reinvestigate an account on my consumer file. The reinvestigation resulted in the agencies updated the account information and without providing proof or verification of the alleged debt. I sent out multiple letters asking for validation of the debt, and proof of disclosures that granted the debt collector to report on my consumer report. This was all done without my consent or authorization. The consumer reporting agencies continue to allow the debt collector XXXX XXXX XXXX XXXX ) to report missing/late payments on my account and report all derogatory remarks on my consumer file. I have also reached out directly to the debt collector requesting for them to cease reporting on my consumer report. This is defamation of my character and reputation. The consumer reporting agencies used information solely from the debt collector to verify the debt and did not consider any of my information into the dispute result.
Consumer complaint received 2023-04-20
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: V and H Portfolio (TX)

I submitted multiple disputes on a collection account that is reporting multiple innacuracies on my report account is showing a past due balance this account is in collections and from what I read a collection can not have a past due balance as a collection is past due by default please delete this from my credit report for failure to accurately list this item.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (MI)

My ex received a phone call in early XXXX but he did not take down any names or numbers. My mother was contacted late XXXX and took down a phone number and a case number. I contacted XXXX on XXXX XXXX, and I spoke with XXXX XXXX who said she was part of a law firm named " XXXX XXXX. '' She stated I had a debt with US Bank from XXXX and if I did n't make a settlement of a one time payment of {$950.00} or 11 month payments that would total {$1500.00} that they would take me to court, garnish my wages, freeze my bank accounts and add any additional fees of court costs/lawyer fees. She stated the would send me some invoice in the mail and that I 'd need to return it. I never received anything and called again on XXXX, I asked where it was and she said they normally e-mail these documents. She then sent me an e-mail via docusign with her administrators name on it, " XXXX XXXX. '' It was a time sensitive document. After looking into this online and feeling skeptical of this caller I called on XXXX and asked for a " validation letter, '' she stated that the e-mail was a legal form of validation and if I do not comply they will take me to court. Now I am just waiting for a subpoena if this is actually something legitimate.
Consumer complaint received 2023-08-02
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, 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 The Better Business Bureau, 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 2024-03-15
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX {$2.00} XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2023-09-07
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (GA)

my credit information was pulled buy a company that i did not authorized to gain access to my credit information on XX/XX/XXXX, XX/XX/XXXX which was a hard inquire conducted by this institutions without my authorization, will be delighted if this rectified. 
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 XXXXXXXX
Consumer complaint received 2018-12-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

EHLP CASE XXXX LOAN XXXX. XXXX XXXX XXXX and my wife XXXX XXXX XXXX. We had a XXXX loan when times were hard. All payments were made on-time. HUD shows late payments. I have cancelled checks and a multitude of other documents showing no payments late. HUD will not release the lien on my property for the bank has submitted incorrect data and refuses to rectify the problem.
Consumer complaint received 2022-10-05
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX 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.
Consumer complaint received 2023-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (UT)

XXXX XXXX just sold my loan to Mr. Cooper. I wasn't able to even ACCESS anything online for a long time because they had a data breach. I had paid {$1400.00}, and my credit union showed that Mr. Cooper had cashed the check, but when I called, the representative said I had not yet paid. I told them I HAD and they cited the system breach and said hopefully my funds would show up. According to Mr Cooper online, I would FINALLY have an online statement after the XXXX, so I checked after then but there is only a statement from the XXXX that says I owe them money. Their system shows I paid now, but the funds are unapplied. I've tried several times to find out what my current mortgage balance is, and the estimate after paying {$1400.00}, is having {$800.00} taken off what I currently owe. It has been nearly a DAILY struggle to get ANY information from them, and all I've gotten is excuses.