davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was retired 10 disputes incomplete. Credit bureau could not have validated any of the factual incorrect items disputed. Some companies were listed up to three times with the same account number. I requested physical proof as well. A replica of the sent dispute is attached herein. And I don't feel I honestly need to provide any more proof. If anyone looked at the report they would see two or three companies with the same numbers dates without even going into detail for other factual information
Consumer complaint received 2023-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (MS)

I received a notification that a collections was added to my credit report. I contacted the reporting agencies and advised that I was unware of this debt, did not receive any prior communication from the collection agency, and lastly, I have full coverage medical insurance through the State of TN for the last 26 years. I have disputed this debt and attempted to reach out to the collection agency multiple times, to no avail.
Consumer complaint received 2023-06-12
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. (TX)

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 : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-02-07
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. (OH)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-11
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: EQUIFAX, INC. (NE)

I mailed a Multiple  Inquiry  removal Letter on  XXXX   XXXX ,   XXXX   by mail in order to dispute information, in regards t o 8 hard  inquiries, that was being reported on my credit report. They started my dispute on  XXXX / XXXX /  XXXX  , finished my dispute on  XXXX / XXXX /  XXXX  , and mailed a letter on  XXXX / XXXX /  XXXX  . The request that I submitted includ ed 8 Ha rd inquires that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor, '' According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not   investigate AND respond, the CRA must delete the disputed information from its files. The fact that it only took 4 days to investigate, one can assume that thee was no investigation into the matter. I plan to purchase a car here in the near future and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not a case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of consumer.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I am writing to bring to your attention a matter concerning an unauthorized transaction that took place on my business XXXX XXXX XXXX, checking account # XXXX with Wells Fargo BankXXXX, on XXXX XX/XX/XXXX and XX/XX/XXXX, I noticed that {$12000.00} was withdrawn from my account through an ACH transaction made by XXXX XXXX XXXX While {$4600.00} of this amount was returned, I am still missing {$7600.00}. 
I immediately contacted both Wells Fargo and XXXX XXXX to report this issue and was informed by XXXX XXXX that they require a reference number from Wells Fargo in order to investigate the unauthorized transaction. However, Wells Fargo provided me with a reference number starting with XXXX, which XXXX XXXX advised would not help in finding any information on their system. Additionally, I have never done any business with XXXX XXXX and they are unable to find any information about me. 
I am extremely frustrated with the lack of assistance from Wells Fargo in resolving this matter. Not only are they not helping, but they are making it impossible for me to recover the money that was pulled from my account without my permission. As a customer of Wells Fargo, I have always relied on the security and protection provided by the bank. I believe that it is the responsibility of the bank to assist in resolving this issue and to reimburse me for the unauthorized withdrawal, which was a result of a breach in the bank 's security measures I have attached all relevant documentation, including a copy of my account statement, to this letter. I request your assistance in resolving this matter and a full refund of the missing {$7600.00}. If necessary, I am willing to provide additional information or documentation to assist in the investigation. 



Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX terrace XXXX fl XXXX Phone : XXXX E-mail : XXXX XXXX
Consumer complaint received 2024-03-30
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: EQUIFAX, INC. (FL)

I noticed multiple unauthorized hard inquiries on my report. I reached out to Equifax, who advised me to contact each of the companies responsible for pulling my credit report. I called back to Equifax to inform them that the companies are not responding to me and they continue to direct me to the credit bureau, which is Equifax! Equifax instructed me to file a police report. No. Equifax can obtain the document containing my signature that I authorized these inquiries, which I didn't! I have spent hours writing these companies, calling Equifax, disputing with Equifax, and unfortunately receiving the same response : " Inquiries are a factual matter, '' which is NOT TRUE! Therefore, I am requesting a thorough investigation into this matter to verify the validity of the hard inquiry. Additionally, I ask for documentation or evidence demonstrating my authorization for these inquiries. Please provide a written response detailing the results of your investigation and any supporting documentation within the timeframe outlined by the Fair Credit Reporting Act.
Consumer complaint received 2023-01-26
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. (CA)

XXXX XXXX XXXX on all my credit reports shows I am late 90 days XX/XX/2019 but in XX/XX/2019 I am on time. This needs to be fixed with the credit companies
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (CA)

I see a few inquires on my account that I did not consent to. XXXX XXXX. XXXX XXXX, Universal Credit Service. I called to try to get these items removed and after staying on hold for more than 45 minutes, all the companies did was be rude and give me the run around. The inquires should be removed from my account.
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUMMIT FUNDING, INC. (UT)

I started working with Summit Funding in XX/XX/2022. My credit is in good standing. I have not debt and a credit score of XXXX. Over the course of the relationship, I was not thoroughly explained the process. I began receiving closing documents closer to the closing of my home. On several occasion I questioned the validity of the documents due to inconsistent numbers. When the broker did review the documents, he did not say I would have to pay down points to get my current interest rate of 6.25 %. I was intentionally omitted. 

The day I sign the closing documents I was presented with a document that was entitled Discount Point Disclosure Fee. I was being asked to acknowledge that I bought down points to obtain the rate of 6.25 %. When I refused to sign the form, the company faxed another form with a different rate. The company was now saying that I bought the rate down not form 8.125 % but from 7.5 %. Despite the change in interest rates the cost owed to Summit Funding did not change. It was obvious that the practice was not associate with any real interest rate change. It was a way for the company to double their closing cost fees. 

When the company manager provided an explanation, he advised me it was explained by my loan manager. The closing disclosure stated I would pay Loan Amount ( Points ) at a cost of {$6700.00} ( 1.352 % ). He continued, We are a lender not a broker ( or vis versa ). That is the fee. Again, that is not correct. I was never told that I need to buy down my interest rate. The loan representative discussed a shop lock program on XX/XX/2022, however, I never signed or sent the money requested to hold the rate. 

I looked up Summit funding their website states there closing cost are approximately {$7200.00}. I paid approximately {$13000.00}! The company inflated my interest rate to double my fees. The loan manager skimmed over the closing documents. I did not receive preclosing meeting in accordance to rules and regulations as I was seeing documents for the first time at my closing. I felt pressure to sign the documents in order to not lose the home. 

This company is a predatory lender. Tax domement I received do not reflect the full amount of the closing costs that were paid only the points. I have attached 1. The disclosure forms. Showing the points paid and the additional closing costs. 2. The tax forms that sho
w only the points paid and do not address any additional costs 3. Both Discount Point Fee Disclosure forms. One for 8.125 % and the other 7.5 %. Both documents were sent the day of my closing. I refused to sign. 
4. The Equal Opportunity Notice form signed the day after my closing that indicates the summit representative did not review documents prior to the day of signing. The discount point fee disclosure documents that I refused to sign were not included in the document that I received from the title ( underwriting ) company.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (CA)

I see a few inquires on my account that I did not consent to. XXXX XXXX. Xatus XXXX, XXXX XXXX XXXX. I called to try to get these items removed and after staying on hold for more than 45 minutes, all the companies did was be rude and give me the run around. The inquires should be removed from my account.
Consumer complaint received 2023-02-07
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Consumer complaint received 2023-02-07
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 XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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. (GA)

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 2023-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (MI)

XX/XX/2020 I cancelled my cellular phone service with XXXX. I cancelled before the new billing cycle to avoid prorated charges. I also turned in all leased cellular devices as instructed by the XXXX representative. I have all of the credit receipts for each device returned to the XXXX XXXX XXXX XXXX XXXX. The Store representative assured me that i would not incur any further charges. I also returned a XXXX XXXX device that was provided by XXXX in my home to strengthen my devices signal strength while I had their services. 
I was reviewing my credit report in XXXX XXXX XXXX  and noticed that I had a collection for {$380.00} from XXXX through a third-party collection agency. I had not received any written or electronic communications prior to this time. I attempted to reach out to the listed collection agency on my credit report. I contacted Allied collection Services and sent all receipts verifying all cellular devices were returned to XXXX. A credit of {$1000.00} in total was returned. The collection agency representative stated that XXXX noted equipment was not returned but now the issue and balance should be resolved. 
However, I never received any other written or electronic communication to verify the collection agency had resolved the issue. My credit report continued to report the collection and also noted another collection agency called XXXX XXXX XXXX. The Allied Collection services noted {$0.00} in collection but the XXXX XXXX XXXX now is showing {$380.00} in collections on my credit report. 
I have made several attempts to contact these collection agencies but never received any recourse. No electronic or written communications were ever received. I even reached out to XXXX customer service before there company fully merged with XXXX XXXX and they only could tell me that maybe it was equipment I never returned or I owed a previous bill!. All of which I disputed and provided the receipts for returned equipment and reviewed all of my billing statement prior to me cancelling my service with XXXX. 
In closing I have disputed these collections on my credit reports without any recourse. I have all copies of returned equipment and my billing statements from XXXX XXXX XXXX XXXX. Any assistance to resolve these collections will be greatly appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (PA)

Went to landlord tenant court with former landlord over dispute about them not remediating toxic mold in apartment and us having to leave everything behind because it was unlivable. Won in court. They were ordered to let us out of our lease and give us back our security deposit. They gave us nothing and tried to bill us XXXX dollars for removal of belongings we had to leave behind them sold the debt to IQdata international I believe fraudulently. Then when iq data contacted us we requested debt verification through certified mail back in XXXX. Received NOTHING from them. Called to ask them to take it off our credit they said simply no well take it off if you pay us
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I made a  Barclay   XXXX  credit card payment of {$3300.00} was paid and processed o n    X/XX/2017 .  As of today the payment is not credited to my account.   I faxed them the proofs ( cancelled checks from  XXXX   )  on    XXXX   XXXX    2017.     Emailed o n   XXXX   XXXX  , 2017 for a follow-up Called on   XXXX   XXXX  , 2017, spo ke to a customer service rep (  XXXX  ), asked her for the result. She was very condescending and said " i will have to wait for the results ''. I told her that you 've taken my money for over 40 days and I like to know where it 's at? If she was more helpful and assured me that they will take care of it I would not worry. But now I am worry that my case is not being handled with some urgency to credit my account accordingly.
Consumer complaint received 2023-07-19
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: CLGF Holdco 1, LLC (CO)

im a victim of identity theft and ive been unable to resolve all this with the companies under my credit report theyve refused to remove this off my social security number i know my ssn is out right now being freely used and all i want is a new SSA. i dont have a bad ccredit score this isnt an attempt to escape my debt, in fact i dont have any debt i just have a lot of fraudulent accounts i never opened under my credit report. my name is XXXX XXXX XXXX my dob is XXXX
Consumer complaint received 2023-05-16
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. (NC)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.