davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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. (SC)

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-30
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. (FL)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00} and XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date DC XX/XX/XXXX
Consumer complaint received 2023-05-30
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. (PA)

Please be advised that as of XXXX/XXXX/2023 as listed on my most recently reviewed consumer report, there are fraudulent accounts listed. TransUnion have been reporting false and misleading information on my consumer report for the past year. Please review these accounts listed in the attached report.
Consumer complaint received 2017-08-24
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. (CA)

I 've sent several letters certified mail to all three credit bureaus asking them to contact creditors that I have been unable to reach to verify that the accounts that are reporting negatively on my credit reports belong to me. I 've been a victim of fraud and I have been working tirelessly to clean up my credit and establish positive accounts to outweigh the bad due to this unfortunate circumstance. The last letter that was sent to the credit bureaus was received by them on XXXX XXXX, 2017 according to USPS tracking confirmation. The accounts that I have been asking for verification to prove that they belong to me are from creditors XXXX XXXX XXXX {$4800.00} XXXX, XXXX XXXX XXXX {$300.00} # XXXX, XXXX XXXX {$6600.00} # XXXX, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$290.00} # XXXX. As a consumer I have rights under the FCRA & Federal Law that mandates creditors have 30 days to respond to disputes. I have yet to receive any response from any of these creditors or proof from the credit bureaus that these are validated as they say. Before I begin to take legal action I 'd prefer that this be settled by this third party platform.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

Hi I called in and I requested a credit line increase on my citi Best Buy credit card and i ask the agent to pull my credit report today on XX/XX/2020 and they said they did but I didnt receive any messages from XXXX  that hard inquiry was in place and citi Best Buy didnt pull my credit today and went by a old credit report with a soft inquiry back in XX/XX/2020 and I had a bunch of fraudulent items on that report and it was removed from my credit file with XXXX  the beginning of XXXX this year and citi discriminated me based on my race and sex and it was denied and I have good credit and no late payments at all and I dont know how long I need to wait ... I would like to closed this account if citi cant pull a hard inquiry on my credit report if that want play games and want go by a older credit report and denied me
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Issue : PMI Removal Our home loan was originated with Wells Fargo in XXXX XXXX with PMI. In XXXX XXXX, we submitted a request for PMI removal and received a letter instructing us of the various options. We decided to complete an appraisal and paid the fee out of pocket, but the value came in low. We filed an appraisal dispute and our claim was not approved. Recently, we inquired in XXXX XXXX to remove the PMI given our home has appreciated. We were sent a letter with the same options. We decided once again to pay for the appraisal. The reported value, XXXX showed we are now under the 80 % loan to value and can remove the PMI. Two weeks later, we received a letter stating we can not remove the PMI since the LTV must be 75 % or lower. Our request was denied. 

Recently, I was informed that a unit XXXX # XXXX XXXX in our condo was refinanced by Wells Fargo and the appraisal was XXXX, closed in XXXX XXXX. My appraisal of XXXX was completed in XXXX XXXX. The units are identical in size and dimensions with no upgrades. Furthermore, the unit owner was employed by XXXX as well.
Consumer complaint received 2023-05-30
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. (SC)

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ), I am writing to dispute the charge-off that appears on my credit report for account XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (AZ)

They are claiming I owe money to Credit management LP a collections company attempting to collect on a debt for an account with XXXX from years ago. I have never in my life had an account with XXXX until about 3 months ago I got internet from them. Ive tried to have them remove this from my name but its still on there and XXXX XXXX will not remove it from my credit report until they verify it with them and its negatively impacting my credit.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX WAS HACKED ( comment from XXXX XXXX ; received by email address XXXX ; XXXX account " XXXX '' ) Contacted XXXX  and XXXX XXXX for Possible Credit Card application pending. Called both companies on XX/XX/XXXX between XXXX XXXX  and XXXX. Spoke with rep ( XXXX ) to void application. Rep confirmed applications voided, confirmation to be mailed. 

XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX. 

Possible Credit Card application pending. Called company XX/XX/XXXX at XXXXXXXX XXXX. Spoke with rep to void application. Rep confirmed application voided, confirmation to be mailed. 

XX/XX/XXXX, XXXX XXXX XXXX 

Possible Credit Card application pending. Called company XX/XX/XXXX at XXXXXXXX XXXX also called back at XXXX XXXX. Spoke with rep to void application. Rep confirmed application voided, confirmation to be mailed. 


Credit Files Frozen on credit bureaus.
Consumer complaint received 2023-05-21
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. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 writing 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 items 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 2023-05-19
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: EQUIFAX, INC. (MI)

Hi I have requested in writting to that theses items be removed off my credit profile Due to fraud they are not my accounts XXXX XXXX Account # XXXX Balance XXXX XXXX XXXX  XXXX account # XXXX Balance XXXX XXXX XXXX  XXXX XXXX Account # XXXX Balance XXXX Account # XXXX Balance XXXX
Consumer complaint received 2023-02-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2017-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forster, Garbus and Garbus (NJ)

I had a credit card with XXXX card in the amount of {$1300.00} that went to collections. I paid well over half of the amount with a debt collector, XXXX XXXX XXXX. It has changed hands to Forster Garbus and Garbus. Forster Garbus and Garbus is threatening me telling me that I owe them the original {$1300.00} when in fact I know that I made many payments to the previous debt collector- XXXX XXXX XXXX XXXX I have made many attempts at contacting Forster Garbus and Garbus after speaking with them originally in the first week of XX/XX/XXXX. The gentleman told me he would run the record from XXXX XXXX  XXXX to see that I paid half of this debt off and would contact me, however never contacted me again. They have threatened me that if I do not contact them and start paying by XX/XX/XXXX, I would owe the entire amount. Again, I can not get into contact with anyone. They have reported this as delinquent, which is not true. This is unjust and unfair-I would like this removed. 
Thank you for any assistance.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2021-07-07
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: LEXISNEXIS (TX)

Someone applied tons of loans in my name and open up few fraudulent accounts in my name and I keep getting rejected for a recent loan in my name and I cant get a copy of my credit report and they dont have a human phone number to call and I would need some help with that if possible I tried everything to get help and I would like to dispute in the inquiries and phone numbers on my credit reports I was told there were a recent number change on my credit report I never changed my number I also have another issues the creditor cant verify my identity if I were to open up a account such as banks credit cards or produce any security questions
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (AZ)

Let 's start with the XXXX XXXX XXXX card. Probably one of the worst companies in earth. 
Today is XXXX I had reported my card missing/ stolen XXXX I had asked for a replacement card here comes XXXX No card I call multiple times an ask what is going on I get told my residential is not a good residential address that I need to change my address. That my card had been sent back ummmm okay why? What is wrong with my address? ( Nothing ) mind u they won't change or update address for u. Now I can an have address update. So I proceeded to call a few days later an ask for another card to be extradited they say okay no problem. So 2 weeks go by still no card ridiculous what is going on ive seriously been waiting for a replacement card now over a month I'm angry at this point this is seriously a joke so I call today XXXX I ask them where is my card why haven't I received it yet XXXX representative says that it was just ordered on the XXXX an shipped out XXXX for. One I asked for it to expedite an yet they still just ignored me. another representative then tells me my card was ordered XXXX mailed XXXX : but not expedite because I need to change my address again now I'm about to loose my cool. I ask to speak to a supervisor they then put me on hold for a good 20 mins are u kidding me? then I guess supervisor XXXX badge # XXXX shes very rude so I ask for corporates number she tells me no. Then hangs up on me I call back I can't get through I continue to call back then I get through I then talk to a gentleman i tell him I'm sick of the games I just want my car I've been waiting since last month an I would like corporates number he tells me to hold I wait on hold another 20 mins he says he will transfer me to someone who can help with corporates number an some help.then here we go back to XXXX who tells me I need to change my address an that I'm not allowed to expedite my card I need to wait until after the XXXX then hangs u hangs up on me again I'm so sick of this I have been waiting for a replacement card for over a month. I'm sick of it an just want my money end of story this is crazy I'm done with the games they play I want my card
Consumer complaint received 2024-03-25
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-22
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. (TX)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to investigate any items that resulted due to Identity Theft. Please find the required documents to assist in the investigation of the erroneous information which is being posted to my report. 

According to FCRA Section 605B ( a ), XXXX shall investigate 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.

Please investigate this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. 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, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXXXX/XX/year>.