davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
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. (FL)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-25
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. (NH)

In accordance with the Fair Credit Reporting act 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 written instructions
Consumer complaint received 2020-01-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hello, I was advised to reach out to you all regarding some items on my credit that are not mine. This has become very frustrating to get this handled. This is my second time going dealing with someone using my identity. I was informed a couple of months ago of a car that I did not purchase that was registered to me and was involved in a police chase. This has become ridiculous at this point. I have attached a copy of the police report and FTC complaint
Consumer complaint received 2024-04-04
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. (PA)

Recently, I sent a dispute to Transunion requesting they reinvestigate the account with XXXX that remains on my credit report. In my previous complaint I indicated that this account was reporting inaccurately without mentioning any specific inaccuracies. 

On XX/XX/year> I received my Investigation results from Transunion ( I have attached the Investigation Results for your review ). The results stated : " VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; other information has also changed ( balance ; Date Updated; Past Due : Pay Status ; Remarks ; Maximum Delinquency ; Rating. '' How was this account " verified as accurate '' but also UPDATED? It is extremely misleading, litigious and deceptive. A Credit Reporting Agency can't indicate that something is accurate but claim to have made updates. Keeping this in mind my initial dispute was factual and the information was reporting inaccurately as I suggested upon the dispute being received and investigated by Transunion and XXXX. Therefore, the investigation was not in compliance. As you know, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

Due to inaccurate reporting in addition to Transunion claiming the account was accurate while also updating specific information I never disputed, I am demanding that this account be removed from my credit report.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ALLY FINANCIAL INC. (CA)

Recently Ollo Credit Card Company was taken over by Ally Credit Card. My account was compromised while it was Ollo Cards. I have since received a letter stating an investigation has been done, and I am not financially responsible for any charges. I wrote Ally a letter stating how incapable their employees are, I feel they decided to open up the case once again. Adding the charges in disagreement on my credit card. I paid off my remaining balance so I could close this account. There's no reason for them to open up the fraud case again, other than Ally Credit Card, with their lack of employees knowing what they're doing, than to try and intimidate me.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NM)

in the past, i was able to unfreeze my acct by telephone. Now I am forced to a website and must enter my social security number for the world to see. 
I don't own a computer and must go the library for access
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (KS)

I have a dilemma and don't know what to do. Looking for your help. I applied for a mortgage and my lender told me my credit score was XXXX. He noticed I have an account from Ally that is reporting car loan 30 days late from XXXX last year. I have documentation that proves its not correct. I called them and they agree so I try to get rescore with my lender. The lender gets their credit company to call Ally to verify and they tell credit reporting company different story. I get on the phone with lender and Ally and here 's the story. 


I contacted Ally last year in XXXX to do some type of split payment agreement due to just starting my job. They told me on the phone that in order for it to take place, I need to receive documentation from them and send in {$99.00}. The rep told me and my lender I sent in the {$99.00} on XXXX at XXXX before they sent out the contract agreement at XXXX. So they counted that payment towards prior agreement and not for new agreement thus I was late! They are going to do investigation but it takes 45 days and they don't guarantee anything. I am appalled that this has happened to me because they never sent anything afterwards notifying me that the arrangement didn't go through and that I was late. They also sent me a payment history and it shows I wasn't late. According to my lender, having a 30 day late payment severely drops your credit score if it is within 1 year! 

Trying to do the right things but being punished because I sent in monies early instead of not sending, is absurd. I can not get a mortgage because my score is below standard credit scores because of this! Please help me!!!!!!
Consumer complaint received 2023-08-23
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. (FL)

It appears someone in XXXX, Florida ( where I have never lived, owned, or rented property ) may be using or have accounts in collections that are being reported on my credit report. I've disputed the associated address, the related collections ( rent, utilities, etc. ). I submitted these to XXXX, Experian, and XXXX. 

However, the responses are not actually processing the dispute. Instead, they are merely " correcting '' the address but even that " correction '' is the exact same address in dispute.
Consumer complaint received 2023-04-17
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to delete these unverified and unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-27
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)

At the beginning of XX/XX/2017 I discovered that I had become a victim of Identity Theft and someone unknown to me had used my personal information to get credit cards, medical attention and personal loans under my name from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the items immediately and Equifax stated that the items are under investigation and XXXX has done nothing. 30 days have passed and I sent my SECOND request to Equifax and XXXX, Equifax stated again under investigation and XXXX  has again done nothing which is why I decide to come here for help, please help me
Consumer complaint received 2023-03-11
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. (GA)

XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-08-23
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)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-18
Product: Checking or savings account — 
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Branch at XXXX XXXX XXXX XXXX XXXX, CA XXXX made a huge error that they refuse to rectify. I opened a checking and savings account ( with a large amount of money ) and a credit card. After the accounts were opened and the credit card had been applied for I got a call from someone from Wells Fargo Credit services, asking me if I had applied for a credit card. They called me XXXX XXXX. My name is not XXXX XXXX. It is XXXX XXXX XXXX. I got so nervous that someone would have access to my accounts. I called someone from the Wells Fargo Executive team and they said they would call me back in 24 hours with a resolution. Nobody from Wells Fargo called me back. So I went into the branch to try and fix this situation and the Branch Manager there XXXX XXXX was very rude, disrespectful, and not helpful. I wanted to close my accounts because I am nervous with the way they got my name wrong on the credit application. My credit is very important to me. With the current reputation that Wells Fargo has I would think they would want to help fix their error. I was able to close my checking account today 2 business days later. But Wells Fargo is still holding {$20000.00} in my Savings account that I was trying to close. The funds have cleared my XXXX XXXX & our now at Wells Fargo. The Branch Manager XXXX XXXX was so rude, and unprofessional. I was offended that the Branch manager was talking down to be and not willing to fix their error. He also indicated that he can not confirm if the check cleared or not and/or can not confirm i.e. " I would not know how to confirm that. '' This is absurd to me that a branch manager as he was represented to me did not know how to confirm and/or can confirm such a basic info. Wells Fargo still holds my funds that was cleared from my own personal account at XXXX.
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$460.00} XXXX/XXXX  XXXX Balance : {$160.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$160.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I notice some inquiries on my report that I did not authorize. Here are the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
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: EQUIFAX, INC. (FL)

XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Local Management, LLC (AL)

XX/XX/XXXX I paid in partial payment over the phone, I told them repeatedly I'm searching for work, and I will call them about when I do find a job in which I did on XX/XX/XXXX, XX/XX/XXXX they called and told me that I have to pay the whole {$120.00} because I can't do partial payments anymore I said once again I just started this job how am I supposed to get that up I explained I need more time and they won't do it I'm tired of their attitudes and threats cause I just started this new job I moved to XXXX XXXX, AL and I had to get rid of the other job to move their ad find another one. If they want the {$120.00} I need more time because it's not fair or right I have to keep on being threatened like this I'm not the only one avoiding them and recently up to now I've been on time paying so I need more time or they can garnish my wages once I start getting paid whenever that is this month.
Consumer complaint received 2024-09-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (FL)

I am writing to formally request that Mr. Cooper, who is purported to be the current Note holder, provide the following documentation : Proof of Holder in Due Course : Evidence that Mr. Cooper is the legitimate holder in due course of the Note, Accepted Accounting Principles ( GAAP ) verification that your company is a creditor of the instrument, as mandated by GAAP with the appropriate book entry debit for the transaction. 
Original Note : The original Note bearing the wet ink signature, as required by law. 
Despite multiple requests for this information, I have not received the documents as requested. These omissions represent a violation of the Truth in Lending Act ( TILA ) and serve as prima facie evidence that the attempts to collect on this note may be based on fraudulent practices. 

I am also formally putting on record that fraudulent activity is suspected in relation to the property, as detailed in the following timeline of events : XX/XX/XXXX : Purchase contract signed for the construction of a new home. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nationstar Mortgage, also known as Mr. Cooper, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  subsequently filed for dissolution and ceased operations ; Foreclosure re-filed by Mr. Cooper. 
XX/XX/XXXXXXXX XXXX XXXX Property foreclosed with {$490000.00} in proceeds. 
Grantors for Sale/Transfer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requesting that Mr. Cooper provide the list of items as requested, Original Note, with my original wet ink signature, as required by law, Proof of claim that you are the current holder of due course of the Original above mentioned Debt Instrument and I wish to have the the instrument presented to me for visual inspection. ( XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (MN)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XX/XX/XXXX amount {$2100.00} dispute filed ), XXXX XXXX XXXX ( XX/XX/XXXX amount {$26000.00} dispute filed ), XXXX XXXX ( XX/XX/XXXX amount {$120.00} dispute filed ) 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 an account without my written instructions.
Consumer complaint received 2023-08-23
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. (TN)

I am a victim of identity theft. My personal information has been used to get loans in my name. The credit reporting agencies are not doing the work properly to remove these accounts. They are fraudulent. I am filing disputes and they are not attaching the correct paperwork I am sending and sending me copies of the verification process per the FCRA
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

I received notification from Wells Fargo about my online checking account. I NEVER OPENED ANY ACCOUNTS WITH THIS COMPANY IN MY LIFE!! I called this bank and sent several emails that this was a fraudulent account and they refused to close it.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2021-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make these charges. 
I ask that the items be deleted to correct my credit report. I am currently in the process of buying a house for my family and this is stopping the process for me. 
This has made my whole life challenging having my identity stolen. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thank you!