davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
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. (CT)

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is 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 Balance : {$750.00}
Consumer complaint received 2022-11-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and 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 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been disputing this account and requesting validation per the FDCPA since the beginning of the year because the account does is not reporting up to their industry reporting standards. please see my attached documentation. This is my tacking from USPS mail from XXXX XXXX Please help me as this information is reporting incompletely and inaccurately. This company has also failed to validate this account per FDCPA 809. Please help me!!! I HAVE REACHED OUT TO THE 3 MAJOR CONSUMER REPORTING AGENCIES AS THEY CONTINUE TO ILLEGALLY REPORT THE ACCOUNT INFORMATION AS WELL.
Consumer complaint received 2023-09-27
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. (GA)

This is my 13th endeavor 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

NATIONAL CREDIT SYSTEM {$3200.00} I do not owe this company any money because I never signed a contract with them, I do not owe the original creditor any money because the account does not belong to me.
Consumer complaint received 2023-06-07
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: Transfinancial Companies, Inc (LA)

In accordance with the fair credit reporting act, XXXX  account, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023 I contacted American Express to close out a small low interest earning CD that has not reached maturity date. I was instructed to submit a form via fax or mail to close out the account. I faxed in my request on XX/XX/2023 indicating I wanted to close out the CD and have all funds transferred to my American Express High Interest savings account. 
I have called at least 3 times and faxed in my form numerous times. As of today, XX/XX/2023, the funds have not been transferred. When I called yesterday, I was told it could take up to XXXX more days. This is unacceptable for an internal transfer between accounts at the same institution. I don't know of any bank that would allow me to use their money for any length of time without charging me daily interest. I am losing money each day that I am not allowed access to my funds. 
I would appreciate any assistance in getting my funds transfered. My phone number is XXXX. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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. (CA)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, 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 2023-01-05
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. (CA)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, 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 2022-11-26
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. (LA)

XXXX accordance with the Fair Credit Reporting act, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXXXXXX XXXX XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2022-12-23
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. (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. 

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 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 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 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE FOLLOWING INQUIRIES ARE FRAUDULENT : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2022-12-23
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. (NC)

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

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-02
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. (TX)

This is the several times I've complained about the inaccurate Items. Below the listed Items that need to be update or fixed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (OR)

In XXXX when I came back from burying my mother I started recieving letters from Montgomery wards inside was a bill for I believe {$700.00}. I have never had any account with this company nor have ever had a credit card from them. Im not sure where this is coming from but I do know that I do not have any type of card with them. I disputed it because its not mine at all and they came back and told me it had been verified. This is a lie on someones part because in order to be verified I would have had to use this card somewhere and if thats the case please show me some proof. Im sure if I used this card anywhere there is a camera that has me using it. I know their isnt a camera or video on this earth that shows that because I never had any card from here. I dont know how they say its been verified and they are making me responsible and now I have all these bad things on my credit score. I want something done here. I cant take this stress. What really concerns me is everytime I have ever asked for credit, not XXXX time have I ever been approved for any credit card, so tell me how is it that another person or whoever or whatever is able to get a card? Thats very strange to me. Their is something fishy happening here and I will go as high as I can to get anwsers. Its my life and I have to suffer because of it and no one is helping me just causing more stress In my life. I just had to bury my mom because of covid and Im not in the best spirits and I refuse to allow someone to tell me I used a credit card I have never had. And I need to know when this card Was gotten? And who gave it to whoever it was given to? What kind of proof did they show when they were applying for this card? Thats what I need to figure out. This is very upsetting to me. Some of us cant sorry to bother u about this but Im lost as to what to do? Thank you
Consumer complaint received 2022-12-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a card account under an open consumer plan as late for any purpose.
Consumer complaint received 2018-10-15
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: EQUIFAX, INC. (NC)

I built a home and was set to close on XX/XX/XXXX. As I was walking into the attorney 's office I received a call from XXXX stating they just ran my credit and we had an issue. It is reporting that I have a mortgage that is in charge off status. I do not now and never had a mortgage. 
XXXX was able to speak with the creditors and verify the info as being incorrect. Problem solved with XXXX. Equifax on the other hand. No so receptive. I've made multiple disputes we with Equifax. I had a Mobile home loan opened in XXXX with XXXX XXXX XXXX XXXX. Which is a personal consumer installment loan. I received a Title with a Vin number. I did not have a closing. I have since built another home which I am scheduled to on XX/XX/XXXX. Again when my credit file is pulled. Equifax is still reporting it as a mortgage. Causing my to be denied. I was homeless for 2 weeks following the first accurence. I spoke with a supervisor @ XXXX XXXXl ( Mr. XXXX XXXX XXXX XXXX ext. XXXX ) He is requesting that Equifax contacts him. Equifax is requesting XXXX XXXX to contact them. In the last 2 months I have contacted both @ least 15 times. Now when I call XXXX XXXX the counselor from the recovery that is assigned to my case refuses to help and keeps asking me " When do you plan on paying this? '' I have requested multiple times to not speak to her but keep sending it to her I need help A.S.A.P or I will be homeless once again.
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (MO)

I am requesting validation of the debt from this company. I mailed letters last XX/XX/XXXX and XXXX XXXX XXXX  via USPS. However, I received no proper response or validation and I already need all the help to resolve this.
Consumer complaint received 2022-12-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MN)

We were denied a low interest mortgage modification by Wells Fargo mortgage. The first thing Wells Fargo mortgage told us was that we needed to be behind on our payment before we could get any help or modification from Wells Fargo. 
By making us believe we needed to miss a payment or be behind on payments Wells Fargo misrepresented, the truth and knowingly, put us in a position where we could not qualify for a low interest government modification. Subsequently we were denied a modification because of a missed payment in 2018. I want to apply for a pay out from the XXXX XXXXXXXX settlement because of Wells Fargos misrepresentations, lies and manipulation that lead to our foreclosure.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (CA)

I have disputed incorrect credit reporting on an XXXX loan taken out that had a missed payment XX/XX/2022, since then I have made every single payment on time and in the full amount owed. They have reported my account as delinquent by XXXX days and have reported that I have missed XXXX payments ( totaling {$890.00} ) that are incorrect. I made a complaint through XXXX on XX/XX/XXXX and received a reply XX/XX/XXXX and was told to contact them either via phone or email regarding information that they had collected. I contacted the company via email XX/XX/XXXX, XXXX, XXXX, and XXXX with no response. Of course this false reporting has damaged my credit payment history and score.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
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. (TX)

this fraudulent was opened using my personal information according to the 15 US code 1681c 2 a consumer reporting agency shall block the reporting of any info that a consumer identifies as the results of identity theft within 4 business days you are in violation- remove immediately.
Consumer complaint received 2023-07-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have been trying to dispute invalid items ( unauthorized inquiries ) 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 2023-08-08
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: Experian Information Solutions Inc. (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA
Consumer complaint received 2024-04-01
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.