davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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. (LA)

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 XXXX 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 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Celentano, Stadtmauer & Walentowicz, LLP (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I would like the information from the insurance company as to why there was a large portion of the balance that was not covered
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

Received a letter from I.C. Systems Inc stating that I owe {$1400.00} to XXXX XXXX. I have had other debt collectors fraudulently place this debt on my credit report in the past. I have never had any account with XXXX XXXX, I have never done business with XXXX XXXX. I'm demanding that I.C. Systems Inc. Cease and desist immediately. This debt is not mine I have never done business with XXXX XXXX and I strongly believe this is fraudulent. I will take legal action against I.C. Systems Inc if they continue to pursue this alleged debt, and if they pass or sell this fraudulent debt off to another debt collector I will take legal action.
Consumer complaint received 2023-11-13
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 recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by the following inquiries listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
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. (MD)

On XX/XX/XXXX I wrote to the XXXX credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Regarding these XXXX collections items added to my credit report illegally : XXXX. XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX {$2900.00} I requested that they provide me proof and validation that this debt is mine. They are required by law to supply information to validate that this debt exists between myself, and the agencies noted above. 
These collection items are in violation of the 15 USC 1681b, Permissible Purposes. 
They didn't validate this debt, so they are required to remove it from my credit report immediately.
Consumer complaint received 2023-04-20
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. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-12-22
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)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-04-08
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-07-14
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. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

For over a year I have been disputing these incorrect items on my profile. These items belong to my father. 

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 2018-08-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (TN)

. In XX/XX/2018 while I was at XXXX XXXX XXXX I called Wells Fargo to pay my monthly car note. While I was on the phone with customer services representative, he informed me that I was a month behind. I was like " wait a minute that doesn't sound right, I Just paid you. '' He couldn't give me a straight answer of when it was and where I was behind. I have called to several times to get straight answers on all stemming from this one incident. I have been told 2 out of 3 times that they do not do automatic payment plans to someone else saying yes they do automatic payment plans. They have never informed me that they do online automatic payments through online banking. I have asked to speak to management only to be yelled at. This has been THE MOST unprofessional company I have ever had the displeasure to come across. All representatives have been inconsistent with company policy. I have been asking for over 30 days for a 10 day pay off letter which I am entitled to obtain, I am looking to refinance through another bank with a higher interest rate just so I do not have to do business with Wells Fargo. I have utilized my resources to obtain further assistance, Consumer Affairs counselor from XXXX XXXX XXXX was able to contact Well Fargo and spoke with XXXX supervisor of customer service. XXXX stated that she will email XXXX with the 14 day pay off and the payment history for the length of the loan for review. I would like to resolve this matter by receiving the 14 day pay off letter and for the lender to adjust my credit report history within the Fair Credit Reporting Act.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Dear Credit Bureau, I received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


XXXX XXXX XXXX XXXX ACCOUNT # XXXX I was Never Late on ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 or XX/XX/2023 ) on this Account Please Update the account as PAID/CURRENT. 

15 U.S. Code 6802 ( b ) ( B ) Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 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 XXXX 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. 

This account has violated my rights. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to formally address the ongoing issue of fraudulent items on my credit file, marking my several attempts to rectify this matter. I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue over nine attempts. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection.

Despite repeated efforts to dispute and remove these fraudulent items, they persist, causing significant distress and detriment to my financial well-being.

It has come to my attention that despite my consistent attempts to resolve this issue, the fraudulent items remain unchanged on my credit file. These inaccuracies not only damage my creditworthiness but also pose a serious threat to my financial stability and reputation. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It's been more than 30 days, and Equifax hasn't responded to my inquiry. They're supposed to follow up on investigations, and them not doing so breaks the law. Ignoring my request is a violation, and I need them to take this item off my credit report.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Accounts : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (NC)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Under the provisions of the Fair Credit Reporting Act XXXX specifically 15 USC 1681 section 602 a, it is unequivocally stated that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and a deep respect for the consumer 's right to privacy. 

As the consumer in question, I am asserting my right to ensure that my private information remains confidential, as reinforced by 15 USC 6801, which declares that financial institutions have a continuous obligation to respect customer privacy.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report under specific circumstances, one of which is in accordance with the written instructions of the consumer. It is imperative to note that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, Equifax and XXXX, XXXX, lack my consent and certainly do not possess my written consent to furnish this information. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how they can exercise the nondisclosure option. The ( Furnisher of information to credit agencies ) failed to inform me of my right to exercise this option, thereby violating the law. 
The reporting of adverse information without my permission is also a breach of 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits consumer reporting agencies from including adverse items of information that antedate the report by more than seven years. Equifax and XXXX are in violation of this provision. 
Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A asserts that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax XXXX and XXXX are falling short of maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e, which requires consumer reporting agencies to have procedures designed to avoid violations and limit the furnishing of consumer reports to specific purposes.
Consumer complaint received 2023-04-10
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: Resurgent Capital Services L.P. (MD)

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. 

XXXX XXXX XXXX : # XXXX {$850.00}, XXXX XXXX XXXX : # XXXX {$800.00}, 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. 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 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-07-04
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. 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 DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 


And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below.