davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (TX)

I contacted XXXX on XX/XX/2019 to inform them that the inaccurate information they have purchased from a reseller and put on my consumer file and rental history is fraud. I disputed the inaccurate information with the credit bureau and received my result on XX/XX/2019 that Experian has investigated the alleged debt and removed it from my credit rereport. I requested a copy of my consumer file from XXXX XXXX. I requested to XXXX to freeze my file and they sent me a confirmation email that they processed my request and the reference number is XXXX that a security freeze was added and will remain in affect until the consumer request a lifts. 

I have not requested any file be unfrozen. I have an identity fraud protection alert on all of my credit files and i have not given any third party entity or vendor permission to use my personal data. XXXX has violated mu FCRA rights and used my personal data without my permission, without a signed authorization and is damaging my credit and rental history. Their consumer relations department located in XXXX, TX called me today and stated they unfrozed my file without my permission. I have a right to file suit against XXXX for violating my right s and privacy.They have not sent me an updated consumer report that i requested.
Consumer complaint received 2017-05-04
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. (NY)

My credit report shows a hard inquiry from  XXXX . I did not authorize this inquiry and would like it removed from my credit report  XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX  2016
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

This is my follow-up 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 accounts 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 Balance : {$6000.00} XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2023-04-15
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-15
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)

It has come to my attention that, although I have written several letters, asking for validation of that, audit trail, I am not getting any responses because of the automated system you have in place, which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report, as it is in violation of the federal Constitutional laws.

15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1692 15 USC 1601 I am rich, I am afraid the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality and respect for the consumers privacy. I did not give consent to these accounts be published they did not have my permissible purpose.

I have remained, how old is by the dress abuse in harms that the three credit reporting agencies have done to me.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Received a statement and a debit card in the mail. Contacted Bank of America and they closed the account and cancelled debit card on XX/XX/2022. Just received a statement for my husband from Bank of America. Called again today. XXXX will have to call to close this one but while on the phone I checked on my information again. Another account was opened in my name just yesterday - XX/XX/2022. They closed this account. We were members of Bank of America over 5 years ago. All accounts were closed. Why are they allowing accounts to continuously be opened in my name? I closed the first one and informed them this was fraud. They should not have opened another one.
Consumer complaint received 2020-04-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (NC)

XXXX contacted me after I went online to apply for a loan in connection with the impending Coronavirus Outbreak by shoring up my most high payment creditors, along with insuring more funds were available for the increased cost of consumer items as usually happens in situations like this, and to which the state government does little about. I was able to have my car loan payment to be put on the back in of the loan which I wasn't sure was going to happen. 
XXXX somehow got a whole of my old checking account at XXXX XXXX XXXX, and in doing so was unable unbeknown to me at the time, to withdraw a due payment on XX/XX/2020 as I took this loan out early XXXX. I never did get a loan account number until recently when I accidentally stumbled over it nor have I ever receive a copy of the loan contract. The company is based on a XXXX reservation, not subject to state laws regarding Pay Day Lending companies. They are outlawed here in North Carolina. XXXX has harrassed me on several occasions concerning their apparently inability to draft funds from my account. I have repeatedly told them and sent by email, certified mail, and fax the correct account info, and they will not accept my explanation or documentation nor query the employee who signed for the certified mail on XX/XX/2020 with the correct info, and again on XX/XX/2020 I sent them their payment with a XXXX money order sent CERTIFIED PRIORITY MAIL along with yet again correct banking info at a cost of {$15.00}. Today on XX/XX/2020 after them calling me again requesting payment and saying I was in default, I am mailing them my most recent bank statement by regular mail. I have tried to work with them as best I can, now its ' getting to be harassment.
Consumer complaint received 2023-03-03
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. (TX)

The unverified items listed below remain on my credit report in violation of Federal Law. Rather than immediately remove the items listed below per federal law, you opened up a dispute for these items, contrary to my request. I am NOT disputing these items, I am demanding that they be removed if you can not provide me visual proof that I have signed a contract for this account. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing dated XX/XX/23, received in the mail by me XX/XX/23, that you " verified '' that this item is being " reported correctly. '' Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA.

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit and has. Caused me emotional distress. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX refused to dispute claims and process them properly. 
Erroneously reporting mortgage payments to XXXX XXXX despite providing proof that payments were made on time. 

Payments received after the 17th of the month are late. I have never paid this account late. 

Secondly, CRA 's refuses to update XXXX XXXX XXXX account. This account was in a Covid 19 forbearance and was never late. Consumers did NOT qualify for a deferment if payments were past due.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

HOLD UP!!! WAIT A MINUTE!!! This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of an item that is reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the credit reporting agency TRANSUNION is using a stall tactic claiming that I am using a XXXX party to submit this request and that additional authorization is needed. I am reopening my case offering my statement as proof that no such XXXX party exists in submitting my dispute. I've recently received notification from this credit reporting agency that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a XXXX party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should TRANSUNION refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (MO)

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . 

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ]. 

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as 3 days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA.

account-Nationstar Mortgage LLC Update status on dates followed to current status/paid as agreed. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Consumer complaint received 2023-03-03
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. (TX)

I checked my credit report and found that some of the data wereincorrect. 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 immediate repair 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
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The reasons they gave me are false because I have investment accounts with them and I have platinum benefits with them for having those accounts but they are denying me access to my money and my benefits and above all they are hiding information and account statements, that is, they are trying to do fraud with me I need help
Consumer complaint received 2022-05-24
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: Home Loan Center, Inc. (SC)

I have a collection XXXX from XXXX XXXX which was fraud. My brother use my personal information with my consent. The amount of the collection in the amount of {$900.00}. I have small loan inquiries which I never applied for. I already informed the FBI about the issue. And I am a victim of mail theft and identity theft.
Consumer complaint received 2021-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co. (WI)

I sent a letter to OAC Collection Specialist dated on XX/XX/XXXX XXXX XXXXfor an amount of {$310.00}. I ask them to verify and send me a breakdown of fees. In addition, to provide me a copy of my signature with the provider of service to release my medical information. This is an error on their behalf. I am disputing this to the Credit Bureaus as not been verified. This bill does not belong to me and I am requesting for proof of this bill.
Consumer complaint received 2022-11-22
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)

Dear EXPERIAN, XXXX XXXX, XXXX XXXX XXXX  There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting the the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXX/XX/2017, XXXX XXXXXXXX XXXX XX/XX/2017 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you
Consumer complaint received 2022-11-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX and I'm submitting this complaint by myself and there's no third party involved. This account that I'm stating below is in violation of 15 USC 1681s-2 and 15 USC 1681i for reporting innacurate informations on my credit report. I demand you to remove this fraudulent account immediately! 
XXXX XXXX XXXX XXXX {$1400.00} I have submitted an FTC report ( check attached file ).
Consumer complaint received 2017-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

They are calling my parents, my mother who is ill and telling them that they have court orders and papers that need to be served and they want to speak with me. My mother told them that they are not the contact for me or responsible for me and to stop calling. She said this has been going on for over a year. They wo n't stop harassing her even though she asked them to stop calling.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

THE FINANCIAL INSTITUTION GAVE ACCES TO MY MONEY A THIRD PARTY WITH OUT MY CONSENT ANF ACCES TO MY HUSBANDS TAX REFUND CHECK AND THEY ARE REFUSING TO GIVE ACCES TO MY MONEY, THEY REFUSE TO LET ME TALK TO SOMEONE IGHER THAN A GUY NAME XXXX WHO IS VERY RUDE AND AND WHEN I ASKED TO TALK TO SOMEONE HIGHER HE REFUSED TO ALLOW ME TO DO SO. IAM BEGINNIG TO FEEL THAT I AM BEING DISCRIMINATED AGAINST THE FACT THAT I AM A FEMALE XXXX WOMAN
Consumer complaint received 2023-03-03
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. (IL)

I dispute 3 bankruptcies on my credit with Transunion in XXXX on XX/XX/2023 asking them to verify these bankruptcies they never sent me any information with my signature on it I ask them to please provide me with paperwork they never did this has been an ongoing battle with them about this matter I have sent them in documents from the bankruptcies court saying they didn't verify this debt
Consumer complaint received 2023-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX, XXXX, and Equifax has been reported as follows : XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$2200.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-08
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)

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.