davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (GA)

I have asked the Credit Bureau and the company to do a credit search and I also did a complete search as well for the inconsistencies. 

Account Name : XXXX XXXX Account Number : XXXX 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-16
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. (FL)

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.

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. 1681s-2 ( A ) ( 1 ) 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 2023-05-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (TX)

Vehicle was repossessed while I had a payment plan in effect. Left without a vehicle and no way to get my kids to school or to get to work because they couldnt abide by the plan they set in action.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OH)

XX/XX/XXXX, I paid {$2700.00} to one of my loans through Aidvantage. I had recieved a scholarship and wanted to get ahead on repayment. I made the mistake of allocating the funds to the wrong loan, a subsidized one instead of unsubsidized. There is no option to cancel the payment, redirect the payment, anything. Ive spent XXXX hours on hold so far. I just want to pay the right loan. Im still in college and I just want to be smart.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (GA)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2018-08-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage. 

Was in arrears with this company on my home. Decided I'd better sell before it was sold. 
Had two offers on house from XX/XX/XXXX and XX/XX/XXXX, and was ready to go to table, however Wells Fargo denied the sales because they said it was not enough money. However, buyers were pre-qualified. Real Estate agents had all figures to substantiate a good sale. 

My real estate agent ( s ) submitted reams of paperwork to assist with a sale, a short-sale, any type of sale to buy time and stay the idea of foreclosure. Wells Fargo did not even attempt to help with the sale, so they could get their money for my mortgage. 

I spent hours working with Wells Fargo people to help do a restructuring, to have NO-ONE return phone calls or emails. 

I spent hours talking with Wells Fargo attorneys in XXXX, PA to give me advice as how to avoid foreclosure, and to go to litigation for assistance on keeping home until I could get it sold. Went so far as the attorneys stopped returning emails and phone calls. SO UNPROFESSIONAL!

I was advised by the attorney secretary to : check on a Deed-in-Lieu, which is something that Wells Fargo has to refer you for. I just double checked with the Deed-in-Lieu department here and this is a request that has to go through Wells Fargo. When I forwarded your prior request they advised for you to call them.

After calling and calling to Wells Fargo, and being told that individuals would be in contact with me, I about gave up hope. 

I lost my house in XXXX. Not a word from any Wells Fargo administrator or their attorney 's that I was going to foreclosure. Just a nice notice on my door one day that my house was up for sheriff sale. Shouldn't I have received some sort of date-stamped document that said my house was going to foreclosure? Because of Wells Fargo underhanded manipulative ways, I lost my home, I lost most of my furniture, and I lost all my family pets. I have been put through turmoil because of their tactics, and KNOW I need some type of compensation for pain, suffering, having to find a new location to live, moving expenses, and the cost of losing everything mentioned above.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good Day, I am writing to you today to request that my credit report be updated to reflect the correct information. I pulled my report from XXXX today and it is showing XXXX. I am not sure what happened buy my credit score dropped by 72 points. 
I have copy and attached the information from the XXXX  Website and Also XXXX  Report Number : XXXX Date Generated : XX/XX/XXXX Potentially Negative *****The accounts below were included in a Chapter XXXX Bankruptcy. *** Bankruptcy # XXXX Discharge Date XX/XX/XXXX so they should not show as late or unpaid. Please contact the reporting agency to update the information. 

XXXX XXXX/XXXX Dispute XXXX XXXX Dispute XXXX XXXX/XXXX Dispute XXXX XXXX/XXXX  XXXX Dispute XXXX XXXX/XXXX XXXX Dispute XXXX XXXX XXXX/XXXX Dispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 37 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 26 accounts, 6 potentially negative Inquiries For Accounts 4 hard inquiries Not Disputable Online. 

Public Records No public records reported ******Bankruptcy not showing and Negativley reporting as NOT PAID or LATE******
Consumer complaint received 2024-05-11
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (DE)

Waypoint Resource GR 301 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This original account is XXXX XXXX, with a debt owed of {$160.00}. This account was opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I contacted the debt collection agency concerning the account, they stated a letter was sent out through XXXX to the previous address I had lived at concerning the remaining balance of my account. I was not a resident at the address where they sent the letter anymore, therefore I never recieved this letter. The debt collection agency stated to me, that even if I paid the account in full, they will not remove it off of my credit report.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation 3. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX  Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX  Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX  Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Experian has Federally violated me as a consumer by reporting information on my consumer report without consent from me XXXX XXXX the consumer, Federal law states a consumer report does not report transactions or experiences between the Consumer or Person making the report Per 15 USC 1681a., Federal law also states any nonpublic information pertaining to the consumer must be protected with privacy unless consumer gives consent, I never gave Experian consent to report defamatory and false statements on my consumer report. Furthermore, Experian has never contacted me to investigate any information on my consumer report which means they are in violation of Federal law.
Consumer complaint received 2018-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In XXXX this collection account was removed due to fraud from XXXX, XXXX and XXXX, with a balance of {$2200.00}. It reappeared back on my credit report on all three credit bureau in XXXX with a balance of {$2200.00}.
Consumer complaint received 2023-05-07
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)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Bankruptcy Reference number XXXX DOES NOT BELONG TO ME
Consumer complaint received 2024-04-09
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Unfair. I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Unfair. I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report IMMEDIATELY! 

XXXX  : Account number : XXXX, Unfair. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  : Account number : XXXX, Unfair. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Unfair. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Unfair. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Unfair. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2024 I was told that my report for XXXX XXXX XXXX XXXX is reporting a delinquent on my Trans Union report. That is not accurate. This account should report as paid settlement for less than full balance. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given this account written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Consumer law stays that all consumer should have a equal and fair credit report, ,I paid for service and my credit score should be equal to rapid rescore,,, I have children and need a home for mortgage and also as well as a business, my score should be up by 100 or more, XXXX,,, please update my rapid rescore for credit for mortgages and business,,
Consumer complaint received 2023-11-01
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : -
Consumer complaint received 2023-11-01
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2024-04-09
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. (NY)

This is a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. 

XXXX  XXXX XXXX XXXX. 
While I acknowledge that errors can occur, it is important to rectify these inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome.
Consumer complaint received 2024-03-16
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)

Today is XX/XX/XXXX, I check my credit report and I saw XXXX inquiries fraudulent, please remove this inquaries, i never apply for any loans or credit card with this companies listed below XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (NV)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.
Consumer complaint received 2024-04-09
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. (NY)

I am writing today to contest the negative entries on my credit report. 
Regarding the requirement for documentation, I discovered that my local law enforcement office no longer handles such cases. Instead, they directed me to file a report on the website XXXX I have followed this guidance and have also informed my bank, which has committed to removing the items but requires your assistance in the process. I am including these reports with my letter to support my claim. 
The listed accounts below do not pertain to me and must be removed or blocked : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX.
Consumer complaint received 2024-04-09
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. (IL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-09
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. (OH)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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