davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
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: CLGF Holdco 1, LLC (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (NC)

Have been paying monthly payments in the amount of {$33.00} toward loan balance of {$2300.00} per agreement to XXXX XXXX University since XX/XX/XXXX. Requested Equifax investigate incorrect reporting. The amount showing on my credit report is {$4400.00} and this is incorrect. Also Equifax is not reporting that account is being paid on. Please see documents verifying loan balance and verification of payments made since XXXX on the XXXX of {$33.00} per credit card statement.
Consumer complaint received 2023-04-13
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, M XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXnquired on XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX .... Balance : {$540.00} ; XXXX XXXX .... 
Balance : {$17000.00} ; XXXX  XXXX .... Balance : {$6900.00} ; XXXX  XXXX .... Balance : {$5400.00}
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Rent Recover, LLC (NE)

The issue is that a company named Rent Recover LLC is continuing to report thecollection account as " open '' when it has been discharged since XXXX/15. I have attempted previously to get this resolved with Rent Recover directly. I was told they would not remove this from my credit profile unless I paid it in full. It continues to show as an open account. This needs to be REMOVED immediately.
Consumer complaint received 2023-04-13
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/ 2017 Balance {$940000.00}
Consumer complaint received 2023-01-02
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 (PA)

For over 20 months, fraudulent charges were being made using my debit card/account number from XXXX ( a service of theirs ). Once I noticed I informed XXXX as well as Wells Fargo, my banking institution. Because I do not own or have access to the XXXX account where the charges originate, XXXX was unable to help me and told me to inform my bank. When I informed Wells Fargo a claim was opened and within 10 days a decision had been made to only refund me {$30.00} of the hundreds of dollars I have been fraudulently charged. My bank refused to elaborate or look into it further, claiming they are unable to provide claim support on charges past 3 months. I provided Wells Fargo with the name, date, and dollar amount of every single charge and they only reimbursed me for 3 of them. In addition to that, they did not include every charge I flagged for the claim. The claim was missing two charges, and included 2 charges that I did not flag, despite me spending hours compiling every charge to ensure accuracy of the claim. Wells Fargo claims it is up to the merchant ( XXXX ) to reimburse the rest of the charges even though I have informed them that XXXX is unable to help because the charges come from another XXXX account. Wells Fargo has refused to help and has not provided the protection and security they claim to provide. I have lost hundreds of dollars and Wells Fargo has made it clear they do not care. When I told Wells Fargo I was concerned for my bank accounts and my money, they did nothing to help and told me to go to an ATM and withdrawal it if I am that concerned. They have treated me with disrespect and bias, and have failed to provide the account security they advertise and claim.
Consumer complaint received 2017-05-03
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. (TX)

There are terrible mistakes in my report, these accounts do not relate to any transaction that I have made :  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  MTR - #  XXXX    XXXX   XXXX   - #  XXXX
Consumer complaint received 2017-05-03
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. (TX)

There are terrible mistakes in my report, these accounts do not relate to any transaction that I have made :  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  MTR - #  XXXX    XXXX   XXXX   - #  XXXX
Consumer complaint received 2023-05-17
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. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-02
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)

My consumer report has been improperly used and my rights have been violated. 
In accordance to 15 USC 6801,6802. I was supposed to be given appropriate notices to report anything on my consumer report and then be given the option to opt in or opt out of allowing that information to be reported to my consumer report and then be given the exact process to be able to opt out securely. 

This information is an invasion of my privacy rights. 
The Granm Leach Billey Act 15 USC 6802 states that I as a consumer should receive a notice and that this information can not be reported in public, it is my personal information and the listed items below should be removed immediately because I never received a notice nor did I give my permission to anyone. 
1 ) XXXX XXXXXXXX - # XXXX XXXX 
2 ) XXXX XXXX XXXX # XXXX XXXX 
3 ) Dept of EducationXXXX # XXXX XXXX 
4 ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 
5 ) XXXX XXXX XXXX 6 ) XXXX XXXX - # XXXX XXXX 

7 ) XXXX XXXX XXXX - # # XXXX I never received NOTICE or gave anyone PERMISSION. Remove these items from my consumer file.
Consumer complaint received 2017-04-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

We had posted our complaint letter dated XX/XX/2017 to you through US first class mail on XX/XX/2017. Since we have not received so far we would like to know whether you had received our complaint, if not we will send all the documents again. At present we are attaching the complaint letter dated XX/XX/2017.
Consumer complaint received 2017-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Debt Collector, Portfolio Recovery has manipulated accounts from my credit report that have been reported as Identity Theft accounts and re-reported them multiple times on my credit reports issued by  XXXX ,  XXXX , and  XXXX .   By slightly altering the original account information on file including account numbers and account names and dates certain accounts have been re-reported or duplicated to appear on my report as another account with a different negative status.   The original accounts are in fact closed, but by altering the date info the accounts also report as newly opened accounts that are past due.   The purpose of this decietful act is done deliberately to damage my credit reports.   As a result there are accounts reported that do not even exist that are essentially replacing the accounts that have been reported to the FTC as being Identity Theft.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Consumer complaint received 2023-07-25
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-04-13
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXXXXXX Date opened XX/XX/ 2022 Balance : {$76000.00}
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-02-16
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: CORELOGIC INC (KS)

On XX/XX/2022 I see a mortgage inquiry Credco that I XXXX XXXX did not authorized I would like to remove the inquiry if possible so it would not affect my credit profile for when I do decide to get a mortgage.
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

In an effort to pay my loan off in  XXXX  years, my  XXXX  daughters agreed to have a total of {$910.00} drafted from each of their checking accounts per month. This was in addition to my payment of {$940.00}. This totaled a minimum payment of {$1800.00} per month. Moreover, I agreed to make my payment every  XXXX  weeks thus making an extra payment per year. The necessary draft amounts to pay the loan off in  XXXX  years was calculated by the  XXXX   XXXX  mortgage loan  officer  who is no longer employed with the  XXXX , AL branch. As previously stated, he explained and we agreed that my checking account would be debited every  XXXX  weeks to make an extra payments per year, thus shortening the term of the loan. This coupled with my daughters ' extra monthly payments would ensure a five-year payoff. The date of the refinanced loan was   XXXX   XXXX   XXXX  , for {$100000.00}. The specifics of the loan include : annual percentage rate is 3.625,  XXXX   XXXX ,  XX -year loan.     I learned that the error had been made when I received information from  WF  that my escrow payment was inadequate and would increase in  XXXX .     When speaking with the resolution specialist, she stated that when I called to give the checking accounts from which to debit the mortgage payment and extra principle, that I did not explain adequately and also that there were documents that should have been filed by the mortgage specialist in  XXXX . I did explain and I have never had an issue with self-expression. The resolution  specialist  stated when I called her concerning the incorrect application of my loan payment that it was too difficult to go back  XXXX  years, but they could probably go back  XXXX  year. My question to her was why could n't the same procedure be utilized for both years since a dreadful life-changing error had been made. I expressed to her that it was our goal to have the loan paid off by the time I was at the retirement age of  XXXX  in  XXXX . If we do not get my money correctly appropriated, first, I will have to work longer and secondly, my children 's selfless effort to help pay the loan off in  XXXX  years will be all for NOTHING.     PLEASE HELP turn this situation into it 's intended positive outcome. Please contact me to clear up any ambiguity.     Finally, I just want to stress that I do not want anything free or anything that I have not earned. I just want WF to do what is right and I want to be treated like a valuable customer, I have never been late in paying a mortgage payment in the  XXXX  plus years as a homeowner, I have an exceptional  credit score  of  XXXX .     When I called to get help with this problem, I was told that my account was paid up to the year  XXXX  because of how the payments were applied. My question which is yet to be answered is, why would anyone choose to pay forward rather than apply extra funds toward the principle of their loan. I am at a loss to understand why anyone would throw their hard earned wages away in that fashion.
Consumer complaint received 2023-04-13
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. (PA)

My name is XXXX 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.