davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I received a copy ot my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a lew accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-16
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)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many 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 XX/XX/ XXXX XX/XX/
Consumer complaint received 2023-02-15
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. (KS)

I mailed in a dispute to Experian on XX/XX/2023 with a dispute statement, FTC Identity theft affidavit with a wet signature, proof of identity ( drivers license, social security card, W2 ), a copy of my credit report from each bureau and a letter also sent to XXXX - all sent via XXXX XXXX Mail with electronic return receipt tracking number XXXX. This packet of information was received by Experian on XX/XX/2023 signed by Experian employee XXXX XXXX. On XX/XX/2023, I received an email from Experian claiming the dispute " was not from me '' and refused to complete the investigation. Experian is using this falsified disclaimer as a way to not be held responsible for fulfilling the FCRA requirements of blocking the debt related to the identity theft from my credit report within 4 business days as they are out of time by XX/XX/2023 and would be in violation of FCRA by not blocking the debt within the federally-allotted timeframe. I, in fact, did send the dispute packet, which I have also attached. Experian should be held responsible for their refusal to process the dispute I sent in and their refusal. Nobody else would have been able to send a dispute letter with a wet signature, and FTC affidavit with a wet signature, and my personal identity documents?
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX, an unknown person signed into my bank account and used Bill Pay to send {$9800.00} to an XXXX card. Despite that the IP address, location, and Internet provider were all different then my usual access to my bank account Wells Fargo refuses to agree this was fraud. Stating the person used my user name and password and that's enough for it not to be fraud. To also note I've also been with Wells Fargo for 38 years, and have never once used Bill pay to make a payment for anything or claimed fraud on this account. The name on the XXXX card is not mine. This also happened at XXXX in the morning my time when I would never access this account. In addition there was another Bill Pay done at the same time for {$4500.00} that I did find on XX/XX/XXXX that had not gone through, that I immediately cancelled. There were also attempts to change the phone number on the account on the XX/XX/XXXX as well. That Wells Fargo can not look at this and see this was fraud is ridiculous. There was no notification to me that a {$9800.00} transfer using a service I never use was being done. 

In addition it took them 2 months to finally advise us that there denial was solely due to the user name and password, in the meantime we heard stories of the same IP being used, I had to go down to a local bank and prove where I was ( which I did ), etc. All of which had nothing to do with the final reason they denied the claim.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: North American Credit Services (OH)

I received check my credit, and noticed a medical collection was being reported on my credit report by  North American. I never received anything from North American r egarding the collection account, and when I have requested they verify the information is actually mine and accurate they have never responded to my written request which I sent to them directly at  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX .
Consumer complaint received 2023-07-06
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. (IL)

victim of identity theft and fraud and demand these accounts to be removed from my credit today. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported this to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. thank you
Consumer complaint received 2017-05-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

The company  Commonwealth Financial  ;   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , PA  XXXX  has listed  six  collections in the amount of : {$92.00} ; {$270.00} ; {$470.00} ; {$210.00} ; {$210.00} ; {$210.00} on my credit report. Please be advised that I am disputing these collections due to the fact that  Commonwealth Financial  does not currently have a valid license in Florida to collect on debts. This is information, according to the Florida  Office of Financial Regulation ;   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . It states that their license is " REVOKED/VOIDED.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-01-27
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (AZ)

I asked the credit reporting agenties to do a verification of inquires was was not aware of and upon completion I was enformed my email in less than 24 hrs that all inquires I'm questioning are factual record of the file and will remain on Equifax, XXXX and XXXX. 

XX/XX/2022 - XXXX XXXX XXXX XXXX XX/XX/2022 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting acXXXX XXXX Account #, 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 aslo states a consumber reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-26
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. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$5700.00} XXXX/VT XXXX Balance : {$0.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$150.00}
Consumer complaint received 2024-03-24
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. (MO)

The company XXXX XXXX XXXX is in violation o

f 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-01-26
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  Balanced Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced OweXXXX XXXX {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

first i started by speaking with walmart and they have stated they did not process 2 charges to my card - they have only 1 transaction so they can not issue a refund - spoke to capital one customer service on the phone twice - 1st time the csr could see that i was double charged - admitted that i was double charged but said she could not fix it and that we needed to talk to another crs - left me on hold for 3 hours - 2nd time i got walmart involved we were on hold for over 2 hours trying to get to capital one csr - he was supposed to take care of the issue but the double charge is still on my credit card and they are now trying to force me to pay it!! attached is a screen shot of my account showing the double charge
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WA)

My mortgage company  Ditech  changed the monthly escrow amount during my  XXXX    XXXX   statement and due to business travel, I missed their letter informing of the increase of {$29.00}. I have auto pay being set up with my bank which did payment on time but short of {$29.00 } ( escrow increase ).  This resulted in a late fee of {$33.00}. I called on  XXXX  to asked if the fee could be voided which they refused. I explained that considering my escrow balance is positive of {$450.00} and that they received my payment for the principal, the interest and most of the escrow monthly fee, they should not consider this a missed payment and therefore should not trigger a fee for this type/scale of error. I think this is unethical practice from a loan servicer and would like to file a formal complain.   My loan number is  XXXX
Consumer complaint received 2022-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

XX/XX/XXXX i got an alert new account was opened with capitol one. The credit limit was XXXX the balance is XXXX. They use credit wise so this is who the alert came from on my capital one app. I'm trying to get a new home now this it also stated my social security number was compromised.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting this CFPB complaint to you today to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), The Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-24
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. (CA)

told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX ( Original Creditor : XXXX XXXX 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

FTC Complaint : XXXX Verification User I need a letter to the FTC against XXXX for failing to provide the method of verification I have sent numerous letters requesting this in a time frame of 30 days has expired therefore I'm demanding that they removed all information pertaining to XXXX XXXX on my credit report until they can show the method of verification. I want to express that I will be willing to initiate legal proceedings for violating 15 USC 1681 section 2ai. XXXX is reporting in accurate information as it been charged off yet reporting as open and late payments in violation of the statutes 2 / 2 XXXX  [ Your Name Re : Acct # XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX, one of the major credit reporting agencies, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for reporting inaccurate information on my credit report. I have made several attempts to request the method of verification from XXXX regarding the information they are reporting regarding my XXXX XXXX account. However, despite my numerous letters, XXXX has failed to provide this essential information within the legally required timeframe of 30 days, as outlined in 15 USC 1681 section 2ai. 

I am deeply concerned about the inaccurate reporting of my XXXX XXXX account by XXXX. The account has been charged off, yet XXXX continues to report it as open and shows late payments, which is a clear violation of the FCRA. Such inaccurate information can have a significant impact on my creditworthiness and financial well-being. 

In light of XXXX 's failure to provide the method of verification within the mandated time limit, I am demanding that they immediately remove all information pertaining to XXXX XXXX from my credit report until such time that they can demonstrate the method of verification. This action is in accordance with my rights under the FCRA and the necessity for accurate and fair reporting of credit information. 

Furthermore, I would like to express my willingness to pursue legal proceedings against XXXX should they continue to violate the FCRA by reporting inaccurate information. It is crucial that the credit reporting agencies uphold their legal obligations and maintain the integrity of consumer credit reports. 

I kindly request the Federal Trade Commission to investigate this matter thoroughly and take appropriate action against XXXX for their non-compliance with the FCRA and inaccurate reporting. I trust that the FTC will work diligently to protect consumer rights and ensure that the credit reporting system operates fairly and transparently. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

Sincerely