davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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: National Credit Systems,Inc. (AZ)

On XX/XX/2023 I recently obtained a copy of my credit report, and I discovered an inaccurate and unjust entry that has been placed by a collector. I have attempted to resolve this issue directly with the collector, but I have not received a satisfactory response. Therefore, I am seeking your assistance in rectifying this matter. 
The inaccurate entry on my credit report is as follows : Creditor Name : National Credit XXXX  , Inc Amount Owed : {$3300.00} National Credit XXXX  , Inc has failed multiple requirements under the Fair Debt Collections Practices Act and The Fair Credit Report Act and willfully violates state and federal laws including but not limited to : 15 U.S.C. 1692 ( g ), 1692 ( e ), 1692 ( j ). They do not have a legally or lawfully binding contract, agreement or obligation between them and myself. Further, their willful non-compliance caused and continues to cause me harm and damages and they are criminally and/ or civilly liable to me under 15 U.S.C . 1681 ( n ) and 15 U.S.C. 1691 ( o ) for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Debt Collection Practices Act 4. Violation of the Fair Credit Reporting Act I have taken all necessary steps to resolve this matter directly with the collector, including sending a certified letter requesting validation of the debt and disputing the validity of the entry. However, despite my efforts, the inaccurate entry remains on my credit report, which is negatively affecting my credit score and my ability to secure favorable financial opportunities.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00}
Consumer complaint received 2023-10-11
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. (FL)

When I reviewed my credit report, I discovered that these inquiries were unauthorized. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unauthorized information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-11-09
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. (MO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-13
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. (AL)

I am a natural person, I am living a human being, I have rights 15 USC 1681.

Equifax is governed 15 USC 1681. And they violated my rights numerous times. I demand the accounts below be removed because according to 15 UCS 1681 : I have the right to privacy and I didn't give Equifax written permission to furnish these accounts : 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 XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (TX)

KLS Financial filed a debt collection with XXXX and XXXX on behalf of XXXX for a debt that belongs to a different XXXX XXXX. I called KLS Financial and told them I do not live in North Carolina, have never been to " XXXX XXXX XXXX, '' and was not born on XX/XX/XXXX. Their response was, " How do I know you're telling the truth? And we handle collections for the whole country, haven't you ever made mistakes? '' The case number with KLS is XXXX. The debt amount is {$500.00}, but the KLS person I spoke with referenced a second debt, assumably that they will be filing under my name if this misidentification issue isn't resolved.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I would like XXXX XXXX XXXX XXXX removed from my credit profile this account is paid in full and was supposed to be deleted if paid I was agreement for paid to delete offer this has a impact on my credit profile from me purchasing a home a this is very important this be removed I have did few complaints nothing has been done this is a hold up and purchasing a house is very important to my family and I
Consumer complaint received 2022-12-07
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. (NV)

Miss you wrong information method of verification Miss use of my information I written in a certified letter to the company, requesting method of verification within 15 days. I have not received anything, and no update on how they verified this account with the miss information on there. 

In accordance with the fair credit reporting act. The lost of account has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1581. 


Account name XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1691 section 602 A. states I have the right to privacy.

15 U.S.C is 1681 section 602 A section 2 it also states a consumer reporting agency can I furnish account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states No consumer report agency may make any consumer report containing any other following items of information. Any other adverse items of information other than records convictions of crime which antedates the report more then 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable to believe that information is inaccurate
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am no longer an Authorized user on this account. Please remove it from my credit report.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-10-11
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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
Consumer complaint received 2023-10-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (RI)

On XX/XX/XXXX I acquired an Amex prepaid gift card, advertised to function like a standard credit card. However, every attempt to make a purchase was declined, despite using vendors that readily accept other prepaid gift cards, such as XXXX. Seeking resolution, I called Amex customer service on multiple occasions. Not only was my issue not addressed, but I also faced multiple instances of discourteous and unprofessional behavior from their representatives. Some even terminated the call without providing assistance. This is not a unique problem, as evident from the multitude of similar complaints on a XXXX thread : https : XXXX.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Tried to get annual report from TransUnion. I have tried for at least 3 times. When I enter in the info they need, it states unable to identify me. I tried calling the number, but unable to get thru to complete. I had been hacked in XXXX and try to monitor. Recent request for line of credit from bank showed my credit score being XXXX from them. One being two many personal finance accounts. I only have one, the rest is closed for several years ( XXXX last one )
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The current issue involves an incomplete and inaccurate credit report from TransUnion, which has severely impacted my ability to obtain credit. Despite attempts to verify and resolve the matter, the report accessed from TransUnion 's website displays no information, resulting in denials for credit applications, including a recent vehicle financing attempt. This issue urgently needs resolution as it is significantly disrupting my financial affairs and hindering access to essential credit services.
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$990.00}
Consumer complaint received 2018-05-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

in XX/XX/XXXX i open a home equity loan with XXXX XXXX. in XX/XX/XXXX Wellsfargo brought XXXX XXXX. My loan number was converted from XXXX XXXX account to a Wellsfargo account. i continued paying on my loan ( never missing a payment ). in XX/XX/XXXX i received a letter from Wellsfargo that the XXXX account was Charged OFF, Closed and that they will not attempted to collect money due. STOP making payment on this account. i then called several times to make sure the letter was true and accurate. Wellsfaro agreed that the letter was true. i also advised them that i was making payments on this account under another account number. they researched the information and called me back. ( the account is closed, charged off and there was nothing that can be done ) After stopping payments i received phone call from XXXX XXXX ( Wellsfargo supervisor ). XXXX XXXX and his supervisor went into my credit report and changed the report from account closed and charged off to account transferred over. i continue to call. in XX/XX/XXXX the U.S .Government gave Wellsfargo bank tax credit and funds for all XXXX XXXX bad dept. accounts My accountwas one of those account. After several months i reached back out to the department that handles the account being charged off. they replied that they could not speak to me  and my account has been changed. in XX/XX/XXXX wellsfargo began foreclosure procedures on my property. 
How can a Bank change account numbers on an account, write the account off, charge it off and close it. replace it with a new account number and forclose under the new account.
Consumer complaint received 2018-04-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE INVESTORS GROUP (TN)

On XX/XX/XXXX, I signed the papers for my newly constructed home. One year later the home began showing structural damage. The floors sank, there were cracks in the ceilings and in the walls, the ceiling sagged, a load bearing wall was protruding and many other things that should have never happened with a newly constructed home. The warranty I received on the home would not cover the structural issues. The builder would not cover his workmanship warranty. 
After research, in XX/XX/XXXX, I found that the builder was an unlicensed contractor. In the state of TN, it is illegal to build and sell homes when you are unlicensed. I have contacted the City of XXXX and the State of TN to report the unlicensed activity. The builder got out of the legal implications by saying he built the home for his family and decided not to move into it. 
This is my final recourse for my home, which I foreclosed on because I could not afford a lawyer or to finance the costs of the repairs. 

I would like to report that in my closing documents, there was no disclosure given to me that this home was built by an unlicensed contractor. This, in all meanings of Material Defect Disclosures, is a material defect. 

This information should have legally been disclosed to me as the purchaser. So that I would have been able to make a decision to purchase a home that costs me {$120000.00}. 

Due to this negligence of non-disclosure of a very important Material Defect, I have foreclosed on the property and will have to live with this on my credit report. This was an unfair and deceptive act on the part of the builder and he should be held liable for this property and breach of contract.
Consumer complaint received 2023-04-19
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. (MD)

This is my multiple request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$570.00}
Consumer complaint received 2023-10-11
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. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below. 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 2023-10-11
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$990.00}
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (KS)

On XX/XX/XXXX the original debtor took {$3300.00} from my income tax and then tried to charge me {$1800.00} and now I got a letter today for {$1900.00}
Consumer complaint received 2023-10-11
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX