davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
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. (MI)

I recently received a full credit report analysis from XXXX and noticed accounts that were supposed to be removed months ago, along with a new one from XXXX. The accounts listed, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine and appear to be related to identity theft. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, I wrote XXXX letters for these companies XXXX XXXX XXXX Transunion ) On XXXX different dates XX/XX/2023 & XX/XX/XXXX XXXX XXXX XXXX XXXX and XX/XX/2XXXX XXXX XXXX XXXX  XX/XX/2023 for " Transunion ''. I requested to remove the error on my credit report. There were several addresses and phone numbers on my account have nothing to do with me. I requested this be investigated and that these numbers or addresses could be caused by fraud or someone opening bad accounts in my name or something I don't know but have been asking for this and have no results only " XXXX '' complied with my request.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I acquired a Wells Fargo XXXX Credit Card and it was the worst mistake of my life. I hated working with Wells Fargo, they are AWFUL, so I paid off my card and closed my account in XXXX of XXXX. Then, somehow in XXXX, months after my account has been closed, I am notified that there is a balance on my card. This is impossible, as the card was paid off and the account closed. I called Wells Fargo so many times and every representative told me my account had no balance. XXXX continues to report that my credit is dwindling because of this 'past due amount ' which does not exist. Please help me fix this. Wells Fargo is XXXX of the worst companies I can imagine and they have now unfairly ruined my credit.
Consumer complaint received 2022-12-09
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. (NC)

This is my several endeavor to tell credit bureaus 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, NC XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (IL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I HAVE A LINE OF CREDIT THAT I GOT XX/XX/XXXX TO FIX MY HOUSE - THE LINE OF CREDIT WAS THRU ONE BANK AND SUBSEQUENTLY SOLD TO ANOTHER BANK. 

NATION STAR HAS SCAMMED ME AND TOOK MONEY FROM ME. 

NATION STAR IS REFUSING TO GIVE ME THE COPIES OF THE CHECKS THAT SHOW WHAT I TOOK OUT AGAINST THE LINE OF CREDIT. 
THE ORIGINAL LINE WAS FOR $ XXXX I ONLY USED {$30000.00} TO FIX MY FOUNDATION - WHEN MY HUSBAND DIED ( XX/XX/XXXX ) THE BALANCE WAS ONLY {$27000.00} + INTEREST. THE PAYMENT INCREASED DRASTICALLY I NOTICED THAT THE BILL WAS DOUBLED. I ASKED MY DAUGHTER TO HELP ME GET THE INFORMATION THE BANK IS REFUSING TO SHOW ME MY CHECKS TO PROVE THAT I TOOK AND USED THE WHOLE {$60000.00}. 
I THINK SOMEONE IN THE BANK TOOK MY MONEY AND IS MAKING ME PAY ALL OF THE MONEY BACK -THAT IS WHY THEY DONT WANT TO SHOW ME.
Consumer complaint received 2023-10-02
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. (IL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pacific Retrieval LLC (CA)

Hello, I have purchased a vehicle for the total of {$500.00} my car stop running in front of a XX/XX/XXXX in XXXX XXXX. This happen about five months ago. About a week after my car was towed i received a letter from the tow company names XXXX XXXX and XXXX. They stated mt bill and recommended me to come pick up the vehicle. I went the the company and picked up my belongings and informed the company i couldn't afford a bill at the amount that they were asking for. I ask if i could get my belongings. They let me get my belonging and informed me the vehicle would be sold. Today date is XX/XX/XXXX. I'm receiving a letter from a collection agency stating i own {$2900.00} due to the vehicle that wasn't release from the tow yard. I called the tow yard and ask them why wasn't I informed that i would still have to pay regardless if i left the car onsite. The company stated i was sent a lien packet. I never received a lien packet regarding my car. I feel like i was scammed into thinking my car would just be sold. Instead i am being charge a daily fee that i was unaware of.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION HAS NOW TAKEN OVER 60 DAYS TO RESPOND TO MY CLAIM AND HAS NOT DELETED DEMANDED ACCOUNTS REQUESTED UNDER 15 USC 1681a ( 2 ) ( I ) -EXCLUSIONS-. TRANSUNION IS VIOLATION UNDER THE FCRA 15 USC 1681i and 15 USC 1681a ( 2 ) ( i ). TRANSUNION IS REPORTING CHARGED OFF DEBT ON MY CONSUMER ACCOUNT WICH IS DEFINED AS INCOME BY THE I.R.S IS NOW IN VIOLATION UNDER THE FTC DEFINITION OF DEBT PARKING AND I.R.S DEFINITION OF CHARGED OFF INCOME REPORTING INCOME ON MY CONSUMER REPORT. TRANSUNION HAS NOT FILED A FORM! 099C NOR HAS SENT TO ME A 1099C FOR REPORTING CHARGED OFF DEBT AS INCOME AS WELL NOT FILING PROPER TAX FORMS FOR IT. IF THESE ACCOUNTS ARE NOT REMOVED IMMIDIATELY I WILL BE FORCED TO FILE A I.R.S 3949a FORM AND A I.R.S 211 FORM AGAINST TRANSUNION AND ESCALTE MATTERS
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have disputed several times with the 3 major credit bureaus. XXXX, Equifax, and XXXX. 

I disputed XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, as well as XXXX XXXX. I have informed them several times that these accounts were not mines. I even sent in a police report as well. They did not respond. I also reached out to the creditors as well and I was informed that they found the accounts to be fraudulent. The credit bureaus have still refused to delete these items. I need these items deleted as soon as possible. 

Also I have contacted them with the over and abundance amount of inquiries on my reports that I did not authorize or even do myself. I need them removed.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. 

I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. 

These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. 

Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am reaching out to challenge an inconsistency identified in the " PAYMENT HISTORY '' section of my credit report, specifically in relation to the following account that has been charged off : Account Name : [ XXXX XXXX XXXX  ] Partial Account Number : [ XXXX ] Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. 

Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 

I appreciate your prompt attention to this crucial matter. 

Yours sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gurstel Law Firm, P.C. (AZ)

Gurstel Law Firm , P.C . continues to seek default judgement on me over a debt I have tried to verify by sending two different debt verification letters via certified mail. 

They first told me debt was for XXXX XXXX, then they said it was for XXXX XXXX. Im not sure who owns the debt. 

All they sent me was an affidavit of fraud forms to fill out. When I received those forms asking me for police reports, questions about who I thought stole my identity, I had no idea what they were talking about. Ive never had my identity stolen in my entire life. 

I called XXXX and asked them to let me know why they sent those forms. They couldnt explain why. 

They said I owed {$1300.00}. I was preparing for two major back surgeries and wanted to get this issue settled because they served me with legal documents at my house prior to my surgery. I had a XXXX XXXX XXXX left lateral interbody fusion on XX/XX/2023. I had a XXXX XXXX the next day on mayXX/XX/2023 which was XXXX XXXXXXXX XXXX XXXX DXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX and he also worked on my XXXX.. My Surgeon was XXXX XXXX and it was at XXXX XXXX XXXX XXXX XXXX I was there for over a week. 

I called XXXXXXXX XXXX and talked to a XXXX XXXX and a man named XXXX at XXXX on XX/XX/XXXX or there about after I received a just a letter from them. Not that it matters but both of them were disrespectful to me on the phone. 

I have not worked for almost two years as I am in the middled of my XXXX claim. I have a lawyer helping me. I explained all of this to XXXX. My sister actually went to her XXXX XXXX and borrowed {$800.00} for me to pay them just so they would leave me alone. I offered them the {$800.00} cash that day and they refused. 

I called them a couple more times but they would not accept the {$800.00}. 

I then used that money to pay off my XXXX card and my hospital bill. They accepted much less than I owed due to my health situation and not working for so long. 

Now XXXX is back sending me letters about getting a default judgement against me when they still have not verified the debt as required by law. 

I own my condo that is in a retirement community and dont have the health or energy to keep being bothered with them. Attached are the letters they sent me in response to my request for verification letters, also the court papers they sent. 

Thank you. I appreciate it if you are able to help me.
Consumer complaint received 2022-12-22
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. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the item that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$14000.00}.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

The account was never delinquent. Account paid in full with no missed payments. During Covid the company didnt have adequate support and each call the customer service was suppose to correct issues and they failed to remove this from my credit report after multiple attempts.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

As a person, I have worked really hard to keep my credit score up because I care a lot about it. But on my XXXX it says that I have a hard inquiry from XXXX XXXX XXXX for applying for a new credit line when I asked for grants. This is their number ( XXXX ) XXXX. I do recall giving them my social security number so they may have put incorrect information to provide me with funds via a credit line. Please take it off my hard inquiry. It took about XXXX points from my credit score for XXXX. I really love the credit line I have currently with my bank, XXXX XXXX XXXXXXXX, and nothing else. The second and third hard inquiry I am trying to dispute is from XXXX, for XXXX XXXX, Best on XX/XX/XXXX. Don't ever recall talking to them or to SYNCB/ PAYPAL on XX/XX/XXXX. This cost me XXXX points from XXXX. I'd appreciate it if you do a background check, punish these banks for incorrect information, and take out all those hard inquiries as well as add back the XXXX and XXXX points initially deducted. 

Thanks
Consumer complaint received 2023-08-04
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. (TX)

This is my 16th 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 Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2023-10-01
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: EQUIFAX, INC. (TX)

Equifax Information Services LLC is in violation of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my Equifax Consumer Report without my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines which is a result of IDENTITY THEFT. A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2 ) The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D Ind. 2003 ).

15 USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person or record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer. According to the law, EQUIFAX INFORMATION SERVICES must remove the following unauthorized inquires that were pulled without my written authorization and permissible purpose listed in my notice sent Immediately!