davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
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. (NY)

I need to inform you that I am writing to dispute several items on my credit report that I believe to be inaccurate and the result of identity theft. I recently obtained a copy of my credit report from TransUnion, and I was shocked to discover these discrepancies, which are negatively impacting my creditworthiness. The following accounts have been identified as unauthorized and were opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I remain determined to see this matter resolved expediently and accurately. Failure to do so will not be tolerated, and I am prepared to pursue all available legal avenues to protect my rights and financial future.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PA)

I am trying to dispute so many accounts that I havent never heard of. I been not using my credit and my credit has been getting used and I am getting punished for this as you see my credit is going up. Only thing I have that I apply for is XXXX  and I have XXXX in my account now I need someone to call me at my number XXXX because this is ridiculous and I am trying to buy a house and use my credit and now Im looking at things that I never even applied for even addresses that I dont even know
Consumer complaint received 2023-09-13
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. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-12-09
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. (GA)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00}
Consumer complaint received 2022-12-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have several late payments on the XXXX account that should no longer be reporting ( I have sent several letter to the bureaus with multiple errors ) These are notorious errors that, according to the FCRA, must be eliminated and have not yet been done. 
I give the bureaus 7 days to update or delete all those late payment marks on the XXXX account that affect my credit report. It's been more than 60 days, they've had enough time and they haven't done it
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (GA)

XX/XX/13 @ XXXX AM I received alert that my credit score decreased by XXXX points. After investigating on the Wellsfargo app, it shows that I have 5 late payments within 30 days and 5 late payments within 60 days. I checked my credit report on XXXX, XXXX, and XXXX and it show that I have 100 % on time payments within 3.5 years. I called Wellsfargo checking because I currently only have a checking account with them and NO credit card to confirm that someone else did not open a credit card in my name. The rep on the phone said she could not help me so she transfer me to credit card dep who then transferred me to recover account who then transferred me to the business dep. At that point the call got hung up without speaking to a reep. I clearly expressed I was concerned about fruad but none of the reps wanted to help correct the incorrect information showing on their end or confirm that there was no fraudulant activity on my account. 

I have reached out to wells fargo to seek resolution to the issue but no resolution was taken by wellsfargo.
Consumer complaint received 2023-09-13
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. (CT)

My name is 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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit history, I noticed that late payments have been inaccurately reported, negatively impacting my credit score.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 166B, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Furthermore, under the Fair Credit Billing Act ( FCBA ), creditors are obligated to provide accurate billing statements and properly investigate any disputes raised by consumers. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Date of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I would like to bring to your attention that the reported late payments are in violation of these consumer protection laws. The inaccuracies in my credit report have caused undue financial harm and have hindered my ability to access credit on favorable terms.

I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate late payments from my credit report. I have enclosed copies of supporting documents that attest to the erroneous reporting.

I appreciate your prompt attention to this matter and expect a timely resolution in accordance with federal consumer protection laws.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-13
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. (CT)

My name is 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 2023-09-13
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. (PA)

letters sent to all credit reporting agencies certified USPS XX/XX/2023 There are several UNVERIFIED/CLOSED accounts reported on my profiles and they have been SERIOUSLY affecting my ability to receive credit, loans, jobs, and houses NEGATIVELY for an extended period. I am requesting PERMANENT DELETION the following closed accounts, for they are publicly ruining my reputation and hindering my ability to obtain credit, which is my right according to the CFPB and the FDCP. ALL CONFIRMED VIOLATIONS ARE SUBJECT TO INDIVISUAL CIVIL PENALTY FEES UNDER THE CONSUMER FINANCIAL PROTECTION BUREAU. 
In accordance with ( 15 USC 1681 I 7 ) you are to respond within 15 days clarifying the actions taken.

Please PERMANENTLY DELETE the following NEGATIVE accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (TX)

My friend sent me {$870.00} XXXX transfer to my Ally Bank checking account on XX/XX/XXXX, last Saturday. Then I received a text message from Ally Bank, informing me that they will deposit this {$870.00} to my Ally checking account. 

Since then I have called Ally Bank customer service multiple times and spoke with both representatives and supervisors regarding this XXXX transfer. Every time, they told me that the settlement date of this XXXX transfer is XX/XX/XXXX today. However, it is end of the day XX/XX/XXXX now, but this {$870.00} XXXX transfer still has NOT been posted to my Ally checking account yet. 

I request Ally Bank to post this {$870.00} XXXX transfer to my Ally checking account immediately without any further delay. It is illegal for Ally Bank to hold my {$870.00} money without posting to my account.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-09-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (OR)

XX/XX/23 I requested a call back from my student loan servicer EdFinancial. I got a call back from a representative XXXX and I advised that I wanted to get on the SAVE plan. She tried to steer me away and get me on the standard plan instead. She then put me on hold after verifying my income and dependents and then confirmed that I was eligible for the SAVE plan with {$0.00} payment. She said she processed it and I would be on the SAVE plan with {$0.00} payment. However, my account still shows in on the IBR payment plan with {$420.00} payment. I would like to have my student loans on the SAVE plan with {$0.00} payment as discussed.
Consumer complaint received 2023-04-19
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. (LA)

My name is 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 2023-09-13
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. (NY)

I hope this letter finds you well. I am writing to dispute the presence of fraudulent accounts on my credit report for the nth time. Despite my repeated efforts to rectify this situation and provide substantial evidence of the fraudulent nature of these accounts, they persist on my credit report, causing significant harm to my creditworthiness. 
Account Details : XXXX XXXX XXXX XXXX I have submitted disputes for these accounts on multiple occasions, providing comprehensive supporting documentation, identity theft affidavit, and all correspondence with the fraudulent creditors. Copies of my identification for verification purposes have also been submitted. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to investigate and address disputes in a timely manner. I want to reiterate that these accounts are the direct result of identity theft, and I bear no responsibility for the debts incurred under my name. Their continued presence on my credit report is both damaging and unacceptable.
Consumer complaint received 2022-12-09
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. (OH)

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 Original creditor : 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 15 U.S.C 1681 Section 602 A. states I have right to privacy.

15 U.S.C 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 Section States : no consumer reporting agency may make any consumer report containing any of the following item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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 reasonably cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (CA)

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by Scammers impersonating XXXX employees ( the Fraudsters or the Company ) which involved me making deposits for a total amount of XXXX USD ( XXXX USD from my checking account and XXXX USD from my savings account ) from my XXXX account to PNC at the instructions of the scammers.
Consumer complaint received 2023-09-13
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. (PA)

I asked XXXX XXXX XXXX account number XXXX for a investigation with my local attorney general office to look into my investigation because under 15 U.S.C Sec 1681 ( a ) all inforation should be 100 accurate and never received proof of investigation and I was sent information thst the account was in fact deleted and when I UPDATED MY CREDIT REPORT THE ACCOUNT WAS STILL THERE.I have proof from attorney general office of that I attached.
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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
Consumer complaint received 2023-09-13
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. 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
Consumer complaint received 2023-08-30
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: GOLDMAN SACHS BANK USA (FL)

I recently received a report informing me that my SSN, DOB, and driver 's license number was found on the XXXX XXXX XXXX in XX/XX/XXXX due to a XXXX XXXX in XX/XX/XXXX. I pulled my XXXX credit report and see that on XX/XX/XXXX a soft and hard inquiry was made by Greensky Installment, which I did not make. I've contacted XXXX to explain the breach and to report the non-authorized inquiry. They have set up a Fraud Alert on my account and will start the process of removing the fraudulent inquiry, XXXX has advised me to contact you, the Federal Trade Commission to report the fraud.
Consumer complaint received 2023-09-13
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. 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