davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (NY)

I made payments of XXXX dollars for four months in a row on our vehicle starting XX/XX/2021. On month 5 I paid the XXXX dollar payment only For it to be rejected and returned by Wells Fargo. When we called to attempt to find out why, they stated they no longer are banking with us and there was nothing we could do aside from either do a will full repossession or sell our car. We were not at fault and have all the payment history to prove it. We never received an electronic disclosure or letter stating why they stopped banking with us and never once received a letter. The bank stated that they could decide to not continue with the car loan at any time during the 7 year loan. They have not repossessed the vehicle and they wont agree to pick up the vehicle but wont accept a payment for the vehicle. I can not trade it in, as I was charged triple the value of the vehicle.
Consumer complaint received 2019-10-16
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. (IL)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  ****XXXX* not mine XXXX ****XXXX* never late XXXX XXXX ****XXXX {$94.00} not mine XXXX ****XXXX not mine XXXX ****XXXX not mine XXXX XXXX XXXX ****XXXX {$280.00} not mine
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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  XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has XXXX XXXX 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 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Dear Credit Reporting Agencies : XXXX XXXX XXXX , XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under
Consumer complaint received 2017-03-30
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding LLC accepted a CLOSED account from XXXX back in XXXX. Midland Funding is marked on my credit account as an open credit account. Midland Funding is noting as an open account placing on my credit report monthly. I have asked for verification monthly since XX/XX/XXXX. It still registered as a dispute on my credit report. 

Midland Funding never respond to numerous request to verify the debt and actual breakdown what is due. XXXX was the creditor with a 300 initial limit. I was unaware of a XXXX Card opening XXXX. I 'm unaware of the actual charges from XXXX. Midland Funding never responded to proving the charges on the XXXX Card. 

Midland Funding still posts as a monthly open account on a closed account. Refuses to comply with the Federal Credit Reporting Act. 

This damaging my goals of advancement. Both XXXX and Midland Funding is documenting in my history XXXX in XXXX. Midland Funding also in XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2024, I sent a certified letter to Experian to update my personal information as I noticed in my most recent copy of my credit report that there were numerous inaccuracies report on my personal information. I attached a copy of my Driver 's License, Social Security card and a most recent utility bill that has my name and address on it. 
Experian received this certified letter on XX/XX/2024. I received an email from Experian on XX/XX/2024 indicating that it does not appear that the information was sent directly from me. I have attach all of the correspondence that I sent via certified mail to Experian. I have also attached the email that I received from Experian on XX/XX/2024.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2024 called American Express Serve about a payment deposited to account. Haven't used account in over a year and no longer have card. Was told my SSN # was incorrect and was offended no recourse to fix problem. My account is lock on their app and if XXXX is money there no way to check or retrieve.
Consumer complaint received 2023-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I've been attempting to have my sister assume my loan, I contacted the Mortgage company Caliber Home loans. About a month ago I was told that my they would contact the assumptions team and would send out a packet to fill out. I was informed it may take 30 days, the 30 days have come and gone and I have yet to receive the packet, I would understand the actual process of underwriting to take this long, but to even receive the application to take 30 days sounds ridiculous. After waiting the 30 days I have called the mortgage company and each time I inquire about this process I'm told I have to speak with the assumptions group and each time they transfer me I'm on hold for more than 2 hours at a time at which point I get disconnected anyway. I'm not sure what's going on with that company, but they have failed to help me as requested. Having worked at a bank previously I know there may be delays, but I also know when the proverbial ball has been dropped and I feel like it has been dropped this time. 

First time I contacted Caliber Home Loans was on XX/XX/XXXX. 
I have subsequently spoken with 5 representatives from that company each with varying results of failure.
Consumer complaint received 2019-12-06
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)

On XX/XX/2019 I wrote Transunion and informed them of several inquiries that was on my report that was unauthorized and had asked them to contact the furnisher for proof of a signature that I applied for credit. I sent the letter certified mail with tracking number XXXX and was received from TransUnion on XX/XX/2019. I then received a letter from Transunion on XX/XX/2019 without the verification I had requested and was told the inquiries will remain on my credit report for two years. I then resent a second letter on XX/XX/2019 asking them again to provide me documentation with my signature that I had authorized for my credit to be ran by these companies with tracking number XXXX which was received by TransUnion on XX/XX/2019 and they still did not respond back with the requested verification I asked for in which I received on XX/XX/2019. I have given them over 30 days to provide me with verification and they still have not provided me with such.
Consumer complaint received 2020-12-15
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. (PA)

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 the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

i am a live human being i have the rights under 15 USC 1681. 

Equifax is govern by 15 usc 1681. and they have violated my rights too many times. I demand the accounts listed be low removed because according to 15 usc 1681 : i have the right to privacy and i did not give equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Complaint, XXXX and XXXX  to Bank of America and demand for disclosure of documents. If Bank of America refuse to provide it to me via CFPB, I will issue a subpoena for these documents. 
Bank of America is a part of collection and servicing team who assists others in collection and servicing activities, thus a subject for disclosures under FDCPA and RESPA. 
Between XX/XX/XXXX to XXXX all my money were collected by XXXX XXXX XXXX XXXX XXXX and XXXX and deposited with Bank of America XXXX 
I demand to identify owners of the accounts where my money were deposited and names of each individual employee who had authorized access to these accounts, with contact information of these companies and individuals. Identify the named payee on this account. 
I demand copies of these accounts monthly statements history, which can show all debits and credits, starting from XX/XX/XXXX to XXXX. 
Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-16
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (VA)

In XXXX applied for services with Affirm to have a contractor perform work from XXXX 's XXXX XXXX. Affirm allows you to finance projects with their buy now, pay later service. Upon talking with the vendor, i decided to cancel the contract for the service. I contacted the company XXXX 's and they confirmed they cancelled the request, however, Affirm is still trying to collect on the service which was never, provided. 
Please help me in getting this cancelled. Again, i have not received any services and neither ( Affirm/XXXX ) is providing assistance in getting this cancelled. I am uploading the cancellation from XXXX 's and the statement from Affirm showing the outstanding transaction. 
Affirm will not accept the cancellation notice from XXXX 's. They have conveyed they want an invoice. I do not have an invoice because the transaction never happened.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, or XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This marks my third attempt to address a persistent concern regarding the disputed account with XXXX XXXX XXXX, Account # : XXXX. This is the sole inaccurate item on my credit report, and despite my previous efforts, I have yet to see any resolution from Experian and XXXX in their reinvestigation process. 

I am unhappy by the lack of progress, particularly when compared to XXXX, which promptly removed the disputed account on XX/XX/2023. This inconsistency raises questions about the process and methods employed by Experian and XXXX in verifying this account. If they are sourcing information from a single provider, why is there a discrepancy in the reported details? The lack of streamlined communication among the credit bureaus and the original creditor adds to my frustration. 

I am reaching out again, seeking your assistance in resolving this matter. I believe in the fairness and accuracy of credit reporting, and the current situation has left me questioning the intentions behind the handling of this dispute. I kindly request your immediate attention to this issue to ensure a swift and accurate resolution. 

Your cooperation is highly appreciated, and I look forward to a positive resolution to this ongoing concern.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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.

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 2022-07-29
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 account information below : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (TX)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NC)

I started an account online with US bAnk and transferred {$3000.00} from my XXXX account. I have denied access to the account because they didnt provide an account number until a week later. Once I received the number, I created a login. I attempted to transfer more money into the US Bank account from XXXX  after i verified that account online with US Bank and was then locked out. I called and was told I'd regain access in 24 hours. that didn't happen. I called back and was told that the account was being closed but he fraud dept. for possible identity theft. I called the fraud dept and XXXX claimed that the fraud dept. had nothing to do with it but could not provide any other info. I have since disputed the transfer of {$3000.00} with XXXX as I have now taken back the authorization and east my money back- WITH INTEREST.
Consumer complaint received 2021-04-20
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. (FL)

There are three accounts on my credit that do not belong to me I need these off my credit report I have a notarized affidavit with an FTC regarding this and I have been disputing these accounts since XX/XX/2020 I just dont understand why the bureaus are not answering back or helping me out regarding this matter I am getting frustrated XXXX XXXX XXXX - XXXX XXXX XXXX