davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( XXXX ) XXXX inquiries and inaccurate personal information showing on the credit file with Transunion. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-10-24
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. (NC)

In accordance with the FCRA XXXX XXXX XXXX has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2023-10-26
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. (PA)

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts.

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (CA)

When I was attending XXXX XXXX XXXX  I enrolled myself in the XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well spoke to the XXXX department and was approve for XXXX due to my XXXX XXXX I took XXXX and mid way I spoke to my than advisor that the class was to hard for me to take and that I need to finish it and she will re-enroll me again to retake, my than advisor name was XXXX XXXX and XXXX XXXX XXXX I ended up failing the class even though I made comment spoke to my advisor about the difficulty of it and was still encouraged and advise to continue the class instead of withdrawing me, I was never told or was advised that I needed to stay in a good standing point for financial aid, nor she said that I would owe a balance, I went to check on my account and that is when I saw the balance of XXXX I spoke to an advisor and he advised me that he spoke to his manager about the situation and for this one time it will be forgiven, that the only thing that I will owe will be {$150.00} for supplies witch i agree, moving forward the balance was never cleared, they never gave me instructions about the requirements, anything at all, i got a new advisor his name is XXXX XXXX i spoke to him and he told me the reasob it was not cleared was because the class XXXX was incomplete, mind you when i spoke to the advisor previously it wad XXXX XXXX my XXXX class and he stated it will be cleared right away, so now speaking to XXXX XXXX he stated that my situation with owing the balance does not look good, and i told him everything and he said well we can re-enroll you back into XXXX XXXX and oncw you receive you financial aid we can pay off the balance, and i told him no i withdrew from the school for false misinterpertation, and he also told me that i wont be able to get my transcripts or go to any other school because i owe a balance, i was baffled with his response because no where near the conversation did i say i wont pay even though they lie i agree to make payments, eventhough to advisors, and was advise to continue the class, and no one said that it will affect me in owing a balance, XXXX XXXX also stated that there going to be sending me to collections because of it, mind you im on a tight income im XXXX  why am i required to pay a balance when they stated i wouldnt, and bribe me into re-enrolling me in school, and when i said no was than told i wont be able to go to any other school and they are going to withheld my transcript this school doea not care about their students but lies, all conversations where over the phone they have the pre-recording, i contact XXXX XXXX plenty of times regarding this matter and she never responded back to me
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (IL)

Sometime in XXXX  XXXX my Amex account was incorrectly charged for {$1100.00} by XXXX XXXX and I initiated a dispute accordingly for this transaction with Amex. Balance was cleared and everything seemed to be fine. However, today I got an email stating that the account once again has {$1100.00} balance. I no longer have access to online management for this account so I can't verify what actually happened here, but the {$1100.00} balance is incorrect and should be credited. I have attached a screenshot of this email to this complaint.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION (CA)

I need to dispute 3 transactions made with my XXXX debit card XXXX for " credit not processed ''. My account was closed by the bank without any reason so I cant open the dispute through call center and also I cant check the exact dollar amount of the transactions because the purchase were made in XXXX in foreign currency. 

On XX/XX/XXXX I paid {$3.00}, XXXX {$3.00} and XXXX {$3.00} XXXX at the store XXXX XXXX, for XXXX tour packages to visit XXXX, in XXXX. for a trip that will be made on XX/XX/2024. 
On XXXX XXXX I contact the store XXXX XXXX to cancel the service because my trip vacation plan was cancelled, the refund policy is full refund up to 7 days before the trip. They agreed to refund 100 % to the same payment method used, they sent me the refund receipt and I should wait no longer than 5 business days to have the refund processed to my debit card ending in XXXX. The refund was never posted to my account so I called them again on XX/XX/XXXX and the answer was " call your bank ''
Consumer complaint received 2022-11-24
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. (NH)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, and XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
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: EQUIFAX, INC. (OH)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible.

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 2023-10-24
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. (GA)

I am writing to formally dispute and seek resolution for inaccuracies on my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, but to date, I have not received a response. The following are the details of the inaccurate information and the required corrections : XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$5200.00} Discrepancy : I disagree with the reported balance of {$5200.00}, as I recall the amount being lower. I kindly request that TransUnion reviews and corrects this discrepancy. Additionally, I request the removal of the XXXX XXXX amount, as this account is closed and charged-off. To prevent adverse effects on my credit score, I urge you to mark this account as disputed. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$120.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$58.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2600.00} Issue : This account is not mine. Please remove it from my credit report.
Consumer complaint received 2023-10-24
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. (TN)

XXXX XXXX XXXX was paid a lease break fee in XX/XX/2021 and our contractural obligation was severed civilly. First property management has reported an ADDITIONAL account on my report showing as 120 days late with an accrued balance from XXXX 2021-current. Now there is collection on my account for this amount totaling in XXXX instances of the same inaccurate account information. See docket XXXX, there should be NO phone number on my report, and NO address '. 


The following inquires need to be removed from my report as I did not initiate a transaction with these companies and they have no permissible purpose to have run my credit. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lots XXXX All previous attempts to solve this issue with the credit bureaus directly has proven unsuccessful. FTC ID report filed
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

as of XXXX XXXX 2018, i recieved a later notifying me that my personal information was being use for various of things i have no acknowlegde of, also purchased gift cards well as credit in my name
Consumer complaint received 2024-03-13
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. (TX)

XX/XX/2024 viewed consumer report and seen illegal, inaccurate information from. XXXX and XXXX XXXX late payments from XXXX and illegal inquiries from XXXX  XXXX
Consumer complaint received 2023-04-19
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. (GA)

To whom this may concern, I sent a letter to XXXX, XXXX and Transunion concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, and Drivers License is attached for proof of identity.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (MO)

I received 4 letters of denied credit card applications. I didn't apply for any of these. They all were done on the XXXX and XXXX of XXXX. I am speaking to the lenders and resolving as much as I can. 
XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. 

I need these online applications traced back to who did this and I want to prosecute them. 

I don't know where to go from here. 
I am XXXX and on a fixed income.
Consumer complaint received 2023-10-24
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)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. 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. 
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
Consumer complaint received 2023-10-24
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

In a letter dated XX/XX/XXXX, XXXX XXXX A Department of Education Servicer for Federal StudentAid, An OFFICE of the U.S. DEPARTMENT of EDUCATION, informed me via email that the Biden-Harris Administration had forgiven my federal student loan ( s ) in full as of XX/XX/XXXX. And, XXXX has notified, or will notify by the end of that month ( XX/XX/XXXX ) all national credit bureaus of your student loan forgiveness. This has not yet occurred. Even after disputing the information and providing a copy of the forgiveness letter, all XXXX of the major credit reporting bureaus still show the account as active with a balance.
Consumer complaint received 2023-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank employee added a mobile wallet to my phone, and I became a victim of bank fraud through unauthorized wire transfer totaling {$140000.00} which left my account and Wells Fargo Bank is not accepting any responsibility. Approximately XXXX XXXX was deposited into my checking account from the sale of my home and immediately Wells Fargo Bank placed my account fraud alert making it impossible for me to manage my account and my money.. I asked for a cashiers check and wanted to close my account because of constant declines with the XXXX XXXX, and numerous cards bank card problems. 
Ive been banking with Wells Fargo over 30 years and since XX/XX/XXXX it been a total nightmare, and Wells Fargo is complicit in the fraud which took my life savings and now they are saying I need to go outside the bank to try an retrieve my funds. Please help, Ive written complaints and gone to local, and federal law enforcement but so far no success.
Consumer complaint received 2023-10-24
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. (NY)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ID)

At this moment, Equifax 's actions appear to be deliberate. Despite my extensive efforts, they have only succeeded in removing the fraudulent debt associated with XXXX XXXX. Shockingly, within a week, they replaced one inaccurate debt with another. It is imperative that Equifax understand that I have no outstanding debt with XXXX or any pre-bankruptcy obligations. There are no financial responsibilities owed to XXXX, XXXX, or any other entity. It is astounding that a major credit reporting agency would operate in this manner. I am actively pursuing legal recourse, though it should never have reached this point. What actions will the Consumer Financial Protection Bureau ( CFPB ) take? This situation necessitates more than just a message to Equifax. The CFPB must take resolute action against Equifax if they persist in retaining discharged debt on my credit report, as it is clearly unlawful.