davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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)

In accordance with the fair credit reporting act, XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681, section 602a, section 4 states, I have the right to privacy. 15 U.S.C 1681b 604a section 2 also states, any consumer reporting agency my not furnish an account without written instructions of the consumer to whom it relates. This law only provides for a maximum length of reporting time, not a minimum length of reporting time. As such, this reporting is in violation of the law the Fair Credit Reporting Act. Not only that, Truth in Lending Act 15 U.S.C. 1601b states, a creditor may not treat a payment on an open ended credit account as late for any purpose. Continuing to report this inaccuracy after repeated attempts to resolve it has resulted in substantial personal damage.
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NJ)

Im trying to refinance my mortgage out of Amrihome to a different lender and they wont issue a payoff letter. Thire claim is that as they dont have hazard insurance on the property they cant issue payoff notice. 
Though I have explained repeatedly that I can not insure the house as its about to be demolished and that the new lender is providing me with a construction loan facility they dont seem to except that. 
My constant conversations with supervisors at the call center who promised me that they understand and therefore will issue such payoff notice ended again in disappointment as no payoff notice was sent. 
In light of their conduct my closing for the refinancing did not occur and I would have to redo the whole process and pay additional fees for the new lender. Nothing seems to matter to them as today again I was promised an email and escalation but nobody contacted me. 
Seems like Im in limbo no in light of their conduct my closing for the refinancing did not occur and I would have to redo the whole process and pay additional fees for the new lender. I also gave them permission to impose insurance on me and to charge me with the premium.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

You have 1 account in Collections Contact Information FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XX/XX/2016 - - XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX-XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I sent letters to make my personal info on my credit report be updated. Specifically, I requested my old addresses be updated or removed because I don't live there any more. Moreover, I have submitted necessary documents to show my identity and current address, respectively but TO NO CHANGES AT ALL. 
I also submitted a complaint on FTC about this matter.
Consumer complaint received 2021-07-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-01
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (NY)

These are fraudulent inquiries I did not make them. THE FOLLOWING INQUIRY WAS NOT AUTHORIZED AND SHOULD NOT BE REPORTING. THESE ARE IN VIOLATION OF 15 USC 1681B. PLEASE DELETE. 

INQUIRY XXXX XXXX XXXX XX/XX/2023 INQUIRY -XXXX XXXX XXXXXX/XX/2023 INQUIRY -XXXX XXXX XXXX XXXXXX/XX/2023 INQUIRY -XXXX XXXXXX/XX/2023- appears twice on my report as an inquiry INQUIRY -XXXX XXXXXX/XX/2023 INQUIRY -XXXX XXXX XXXX XX/XX/2023 INQUIRY -XXXX XXXX XXXXXX/XX/2023 INQUIRY -XXXX XXXX XXXX XX/XX/2023 INQUIRY -XXXX XXXX XX/XX/2023 INQUIRY XXXX XXXX XXXX -XX/XX/2023
Consumer complaint received 2023-04-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC (IL)

Collections company has been calling and harassing my mother for over a year when shes not responsible or tied to this debt. I never received written notice for this. I dont believe this debt collection account is mine. Company has been calling me numerous times after I asked them to stop and calling later at night after normal business hours
Consumer complaint received 2023-04-21
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. (VA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 or 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 2024-04-11
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. (TX)

I received a letter from a company called XXXX XXXX XXXX. They letter states that they are suing me for an account being closed and not being able to obtain payment during a time frame where I was ill. The company lists references on my account that were never there. I don't ever remember having a loan from this company at all. They are threatening to run my credit over and over and are offering a XXXX XXXX that is not accurate with mine. 

The company is making multiple threats of fraud charges and garnishment of wages. XXXX of the people they plan to call as supporting witness would have been an infant at the time the this loan was purported to be taken and the other was not ever listed on anything for me at all. Also this is during a time when my identity had been compromised and someone did several large purchases that had to be disputed. The letter is threatening and is stating information that is inaccurate.
Consumer complaint received 2018-08-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

I received three emails from Wester Union confirming transfers. This instantly alarmed me because I did not send any money via Western Union.  The last time I used their online service was in XX/XX/XXXX. I immediately checked my bank account and seen that two of the three transactions went through, however, my bank immediately reversed them. I informed my bank about the unauthorized transactions and cancelled the card that was used. I then called Western Union to notify them of this unauthorized transaction completed on the website and to request my online account be closed. The first person I spoke with on XX/XX/XXXX @ XXXX XXXX - I explained the situation and she said she would transfer me - I listened to a silence ( call was still connected ) for a few minutes before I hung up and tired again. This time I called their Fraud line XXXX @ XXXX. I explained the situation again to the guy on the phone and I informed him that thankfully the bank stopped the transactions. But I was concerned how this happened on their online platform, and wanted to make the company aware of this and have them look into it. However, he did not acknowledge my complaint. He just stated that my account would be closed. I stressed that they need to look into how this happened. He would not confirm that would be done. I ended my call very frustrated and will never use their services. I also went online to ensure my Western Union online account was closed, as the rep stated it would be, but it was not. 

These are the transactions that were not authorized by me : Your tracking number ( MTCN ) is : XXXX Your tracking number ( MTCN ) is : XXXX Your tracking number ( MTCN ) is : XXXX
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (NC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2018-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo currently has an auction date assign to my home. My wife and I are currently in a Chapter XXXX bankruptcy. Wells Fargo refuses to respond or work with my attorney and wants to proceed with the auction date. On XX/XX/2018 I contacted Wells Fargo about doing a home modification and they informed me that I was eligible for home modification. They asked us to send in our last two pay stub, last year 's tax returns, and Wells Fargo 's assistant application downloaded from their website. On XX/XX/2018 my wife called Wells Fargo to ensure they received our paperwork. She was informed that they did receive our paperwork and just needed our XXXXs. My wife fax those over same day. I called Wells Fargo on XX/XX/2018 and I find out that they have canceled our home modification because all the paperwork is blurry and could not be read. I explained that they did inform my wife that they had received the paperwork on XX/XX/XXXX. They told me that they had received the paperwork but that person did not look at it. We have sent that paperwork five times and each time they say they can not read it. They have no email address for this process. The way I am faxing these documents is through XXXX fax so there is no fax machine involved. I have attached the same documents that I had sent him to this complaint and you can see the documents are very clear. I believe Wells Fargo is playing these tactics to keep my house with a auction date so they can proceed to sell my house. I am not upside down in the value of my home and can sell for a profit. I proceeded with a Chapter XXXX so that my wife and I could stay in the house. However Wells Fargo has done everything in their power to not make that possible. Please obtain the conversations that have been recorded and you will see the malicious behavior on their behalf.
Consumer complaint received 2023-05-15
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX
Consumer complaint received 2023-10-19
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

This is trying to collect a debt that I do not own since this is an error I have requested then to send me proof that I own this debt according to Debt collection practices act section 1692g. 
they have fail to provided me with : A.The original application or contract. 
B.Any and All statements allegedly related to this debt. 
C.Any and all signed receipts. 
D.Any and all cancelled checks. 
Please make them comply or delete this from my credit file.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to follow up on my previous dispute regarding the fraudulent account appearing on my credit report. On [ date of initial dispute letter ], I sent a formal dispute letter informing you of the inaccurate and unauthorized account listed on my credit report. Despite my efforts, the erroneous information has not been rectified, and I believe there may be violations of the Fair Credit Reporting Act ( FCRA ) that need to be addressed. 

I reiterate that I have no affiliation with this account, nor have I authorized its opening. This erroneous information is damaging my creditworthiness and causing undue stress and inconvenience. 

Furthermore, it has come to my attention that there may be violations of the FCRA in handling my dispute : 1. Failure to Conduct Reasonable Investigation : Despite providing sufficient evidence of the fraudulent nature of the account, no meaningful investigation appears to have been conducted to verify the accuracy of the information. 
2. Failure to Provide Prompt Response : Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days of receiving them. It has been well beyond this timeframe, and I have yet to receive a satisfactory response. 
XXXX. Failure to Delete Inaccurate Information : The FCRA mandates that inaccurate information must be promptly corrected or deleted from credit reports. The presence of the fraudulent account continues to mar my credit profile, indicating a failure to comply with this requirement.
Consumer complaint received 2023-04-22
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. (NY)

In accordance with the fair credit act the following companies : XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX has violated my rights 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 instruction.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-11-03
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. (TX)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


XXXXXXXX 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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

In XX/XX/2018 I disputed an inaccurate item on all three of my credit report, XXXX, XXXX, XXXX. The item I disputed was XXXX XXXX Account # XXXX. All three of the credit Bureaus reported back by saying it was verified. In XX/XX/2018,,, XX/XX/2018 to be exact I wrote a certified letter to XXXX XXXX to the address listed on my credit report as XXXX XXXX XXXX, XXXX, SC XXXX requesting validation made pursuant to the Fair Debt Collections Practices and the Fair Credit Reporting Act. I requested the original contract of the original account contract and for it to be sent to me,, I am allowed to see the original contract by law. I was requesting that competent evidence bearing my signature, showing that I have contracted obligation to pay the debt. Well today is XX/XX/2018 and XXXX have yet to provide me with copies of the original contract signed by me XXXX XXXX. they have violated my rights. they have failed to respond to me by sending my proof that I own this account. they received and signed for my certified letter on XX/XX/2018 and todays date is now XX/XX/2018 and XXXX XXXX has yet to send me my documentations by mail. THIS ITEM IS NOT REPORTING ACCURATE ON MY CREDIT REPORT AND XXXX IS NOT FOLLOWING THE LAW, VIOLATED MY RIGHTS BY NOT RESPONDING AND SENDING MY PROOF AND SIGNED CONTRACT,, I HAVE ENCLOSED COPIES OF THE CERTIFIED MAIL RECEIPT AND A COPY OF MY LETTER I SENT TO THEM, COPIES OF THE DELIVERY TRACKING CONFORMATION, XXXX XXXX is being non compliance they have violated federal, law and is liable for the non compliance
Consumer complaint received 2023-07-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

BANK OF AMERICA IS A FRAUDULENT ACCOUNT REPORTING ON MY XXXX CREDIT REPORT. THIS ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT. I AM VICTIM OF AN IDENTITY THEFT.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

An amount of {$950.00} was charged to my credit score and sent as a collection from XXXX on XX/XX/2016. This is an account that was opened without my knowledge and/or permission. I have submitted a dispute through the 3 major reporting agencies and have yet to here a response.
Consumer complaint received 2023-05-01
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. (OR)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX