davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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. (TX)

On ( /XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-03
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. (NJ)

My name is 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 2023-01-24
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. (NY)

This compliant is in regards of the recent accounts being reported on my consumer report that I will share below, that the credit bureaus have been reporting causing a high negative impact on my consumer report.I have been aware that since I open these accounts with these companies I made some uninformed decisions.First I was never giving any clarity of these agreements and the agreements was not conspicuous.15 usc 1601 makes it clear and conspicuous that if I was giving the proper information where I can understand any agreement in a credit transaction thats this would have been avoided and I would have been aware of the actual cost.To my knowledge there is no evidence of these debts, the only evidence would be the agreements.But because of the uninformed decisions these agreements has been voided. I was not giving an adequate notice where I could reasonably understand the full meanings of the agreement, where it seem these companies have only benefited.The very long agreement was very stressful to understand and over-stand any verbiage used in it.Even after trying several attempts to get any understanding from these companies I misguided.I highly dont believe the generated systems these companies use to send consumers these agreements gives adequate notices where all consumers can understand as well.According to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be EXCLUDED from a consumer credit report.Therefore these reports should have not been reported. The definition of a credit card under 15 usc 1681 relates as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, port, labor, or services on credit. Congress makes its clear and states that ANY card. So basically the credit card used would be my social security card.This is the credit card I used to begin ever consumer credit transaction below.So if anything these accounts should be reported as paid in full and payments updated as on time. I would like to demand that you these credit bureaus do just that or remove these transactions from report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 


These following accounts need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXXXXXX XXXX Open XXXX/XXXX/2022
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX , XXXX , XXXX ; XXXX , XXXX , XXXX ; XXXX , XXXX , XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX  XXXX DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$700.00} ; XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX {$560.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$170.00} ; XXXX XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX Balance : {$77.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX  ( XXXX XXXX ) XXXX Balance {$120.00}
Consumer complaint received 2023-02-06
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. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Let this serve as documentation of my last time demanding that my consumer report reflect accurately. A 1099c was filed for the accounts for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for the XXXX tax year. I have attached copies of both copies of copy B which show they were accepted by the IRS so that I can properly file my taxes this year. The 1099c for these accounts show that the amounts are gross income according to the IRS and income is NOT reported on consumer reports. These accounts are reporting inaccurately as debts when they are in fact income. Mark these accounts as paid as agreed or delete them from my consumer report for inaccurate reporting. Failure to do so will result in my attorney filing suit against you FOR WILLFUL NONCOMPLIANCE for which you will be liable for the costs of all proceedings per your terms and agreements.
Consumer complaint received 2017-03-31
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NY)

I reached out to Venmo because there was an unauthorized transaction made on my account ( of {$190.00} ) to XXXX-ny. They were uncooperative even after I confirmed that I did not know the user who received the funds. Venmo stated that they could n't do anything about it, despite me not knowing the user on the other end which absolutely shocked me as I have never received such a dismissive, unprofessional response in my life. I have used Venmo for years and have never had an issue like this and it is very unfortunate that this occurred to begin with.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00}
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-18
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. (CA)

First off they are reporting inaccurate information with numerous creditors. When a request form removal of inaccurate information was requested they did not investigate as I have written proof in one example ..USBK DOCKET XXXX XXXX  days we verified the information and found it accurate and its still not accurate so I called TransUnion to ask whom they verified said information with and they told me it was verified by the XXXX CALIFORNIA USBK COURT so I took it upon myself to not only call the court but also write a letter asking the courts why they are reporting inaccurate information about me to all three credit reporting agencys and The clerks response was sir we DO NOT REPORT ANY INFORMATION NOR DO WE VERY ANY INFORMATION IN REGARDS TO ANYONES BANKRUPTCYS and sorry for any inconvenience. So now that I know for a fact that not only is TransUnion lying about actually doing the research that they are continuing to report false/inaccurate information on my file and its harming me and if not corrected immediately I will be suing them as well as any company or organization that is in charge of regulating them!
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (NY)

A few times i tried to go to my bank and start a credit card but they told me no on Several occasions because there were too many attempts on my Social Security card so they said I couldnt make an account because someone is attempting to use my Social Security number
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-06-03
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. (CO)

I legally changed my name on XXXX. I initially sent all documents to all 3 reporting agencies in XXXX after my legal name change was finished in the courts. My identity was changed at XXXX and XXXX. Equifax has yet to change any of my personal information in the time frame of 12 years. 

I am currently trying to get finances for medical reasons and am being denied a loan due to identity discrepancies across the reporting agencies. ( XXXX, XXXX, Equifax ) I contacted Equifax by phone most recently on XXXX. I spoke with XXXX XXXX, I was told to open an account online using the name XXXX XXXX XXXX and upload the court documents and a copy of my passport to get my name changed. 

I uploaded the requested documents for dispute # XXXX. The request for name change was denied stating that more documents need to be submitted. At this point I am uncomfortable sending more information about my identity to Equifax. I have on multiple occasions sent documentation over the last 11 years to no results on my identity change. 

I have tried on multiple occasions over the last 12 years to get this resolved with Equifax. 

I now have every reason to believe that this is discrimination due to my gender identity and it is now costing me substantial amounts of money and affecting the outcomes of my heath prognosis and future. 

I XXXX XXXX XXXX would greatly appreciate a look into this matter so that I can finally have the dignity and respect to get the financial and medical care that I deserve and need.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Credit Card was fraudulent with wire 2 wire transfers totaling {$8300.00} and after speaking with Wells Fargo XXXX dept. more times than I can count, over two months period, they did reimburse half of it and then just a couple days ago... again after many frustrating communications where we informed them we were going to sue, they released the other half into our account. BUT before we ever received the first half amount, Wells Fargo shamed us into paying the card off, which I did. However, after numerous calls still waiting to be reimbursed for all the FEES that they charged on the card that we no longer have. 
We are in our mid XXXX 's and because of all this we almost lost our car and home due to Wells Fargo lack of professionalism. As soon as we have been reimbursed for the unnecessary CC fees, we are closing our account. We truly hope Wells Fargo will do the right thing and allow us a settlement for our pain and suffering. 

This all started back in XXXX through this XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2023-02-13
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. (GA)

I have been a victim of identity theft. My personal information to include my social security number, drivers license number, prior email address XXXX, and physical address was found on the Dark Web multiple times & my identity was also stolen by the XXXX XXXX XXXX XXXX XXXX in XXXX. At that time it was reported to the credit bureaus and XXXX police. 

To date Equifax has not removed the fraudulent account listed below or the fraudulent addresses link to it. I was asked by equifax to file an update police report and it has been attached along with required information for the dispute. This has been an ongoing issue and my next step is legal action. 

XXXX XXXX XXXX XXXX among {$1000.00} last reported & closed on XX/XX/XXXX Fraudulent address XXXX Park XXXX XXXX XXXX XXXX XXXX Tx XXXX
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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 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 2023-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (AL)

XX/XX/XXXX, I was struck by an uninsured motorist. I contracted XXXX in the hospital. The company I worked for filled my position after I was out under doctors care for XXXX weeks. After losing my income, CMG Financial offered a forbearance and told me about the XXXX XXXX XXXX program. I was desperate to save my home so I accepted the forbearance even though I didnt understand what it was or how it worked. I went back to work XX/XX/XXXX. XXXX XXXX XXXX denied me because I earn too much. According to my XXXX I earned $ XXXX in XXXX. In received a statement from CMG advising as of XX/XX/XXXX, I owe XXXX. I called to get advise. They advised I would receive a packet in XXXX days that provided options. He added not to worry because I have XXXX  days to complete and return the packet. I called today because I have not received the packet. I was totally disrespected by the customer service agent that continued to speak over me when I tried to get clarity. At the end of the conversation, I advised, Im glad I recorded the call. I just want to get back on track to save my home. I need to know what my options are.