davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (LA)

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (LA)

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my second 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 Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX MA XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX, XXXX XXXX Balance : {$1000.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Inquired on XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$1000.00} 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
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2020-03-09
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: Experian Information Solutions Inc. (AR)

I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

US DEPT ED XXXX {$1700.00} XXXX  XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$5500.00} DPT ED/XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX {$56.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$660.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$2100.00}
Consumer complaint received 2018-04-30
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, I received a notification that there was a XXXX XXXX account in collections reporting on my credit report. 

On XX/XX/XXXX, I immediately contacted all 3 credit bureaus to dispute the XXXX XXXX account as identity theft and a fraud alert was placed in my credit file. 

On XX/XX/XXXX, I received a letter from XXXX XXXX stating I am not responsible for this account as it was the result of identity theft, and they notified XXXX, XXXX, and TransUnion. 

By XX/XX/XXXX, XXXX  and XXXX had promptly removed any record of that account from my credit reports. 

I received a notification on XX/XX/XXXX that TransUnion is still reporting the fraudulent account on my credit report, hindering me during the underwriting process for my mortgage. I spoke to 5 dispute representatives on XX/XX/XXXX from XXXX to XXXX - each one would not provide any resolution to this matter. XXXX XXXX stated TransUnion was required to remove this collection account once receiving notification, and they had 24 hours to do so. This should have been removed by XX/XX/XXXX, as XXXX and XXXX  had removed them. I now have to send them another round of additional documentation that this account is fraudulent.
Consumer complaint received 2024-03-12
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. (NJ)

In submitting this follow-up complaint, I wish to highlight my ongoing issue as a victim of identity theft, as previously reported under reference number XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, Credit Reporting Agencies are mandated to expunge any items detailed in an identity theft report. Enclosed are documents aimed at facilitating the removal of erroneous and fraudulently posted items from my report. Below is a catalogue of items opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to delete any items from a consumer 's file that the consumer identifies as resulting from alleged identity theft, within four business days following receipt of such a claim.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (TX)

FCRA Violation auto loans not mine XXXX XXXX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX  CARES ACT Violation credit card payment never late XXXX XXXX XXXXXXXX FCRA Violation other loans not mine XXXX XXXX XXXX  FCRA Violation other loans payments never late XXXX FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation collections not mine XXXX XXXXXXXX XXXX XXXX XXXX  FCRA Violation personal information not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
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. (MD)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

This company is reporting inaccurate information to my consumer reports. Not only is the information inaccurate, it is too old and obsolete to be reported on my consumer reports. This has caused financial damage to me and my family.
Consumer complaint received 2023-09-08
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. (MA)

I am writing to formally dispute and request corrections for the following inaccurate information on my TransUnion credit report, as of XX/XX/XXXX : The account listed as XXXX, XXXX. ( Account Number : XXXX, Open Date : XX/XX/XXXX, Credit limit : {$900.00} ) is not mine. Kindly remove it from my credit report. 


XXXX XXXX XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Reported Balance : {$2300.00} ) is reported incorrectly. I dispute the reported balance of {$2300.00}, as I remember it to be lower. Additionally, the Past Due amount should not be reported, as this account is closed and charged off. Please mark this account as disputed to prevent its impact on my credit score. 


XXXX XXXX XXXX XXXX XXXX  account ( Date Opened : XX/XX/XXXX, Reported Balance : {$680.00} ) contains imprecise information. The reported balance of {$680.00} is higher than I recall. The Past Due section should be cleared, as this account is closed and charged off. I intend to discuss the discrepancies with the creditor. Until the necessary corrections are made, please mark this account as disputed. 


I request verification of the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Reported Balance : {$6300.00} ) due to inaccuracies in your reporting. I dispute the reported balance of {$6300.00} and believe it to be lower. Additionally, the Past Due amount should not be displayed, as this account is closed and charged off. Please mark this account as disputed while I work to resolve the dispute with the creditor. I also request verification of the Date Opened, Date of Status, and First Reported.
Consumer complaint received 2023-09-08
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXXXXXX # XXXX  -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NV)

on XX/XX/21 a wellsfargo atm shorted me and 3 other customers. we all filed claims and today they tell me my claim was closed because the ATM had no shortages for that day. they will not escalate the call
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (GA)

The Fair Credit Reporting Act ( FCRA ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity.
Consumer complaint received 2022-12-07
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. (MS)

Pursuant to USC 1681 these accounts are damaging to my reputation, character, and violates my rights to privacy. This account furnised a false report and does not have my consent to report to ANY credit reporting agency. Any alleged documents or agreements from listed account ( XXXX ) provides rights only to the credit bureaus which XXXX, Transunion, XXXX, etc. are not bureaus, but are assumed agencies pursuant 15 USC 1692a ( 1 )
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.
Consumer complaint received 2023-09-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson Cruz & Associates LLC (OH)

ON XX/XX/2023 NELSON CRUZE AND ASSOCIATES FAULSLY REPORTED A DEBT THAT I PAID IN FULL TO MY CREDIT REPORTS AND IT DROPED MY SCORES XXXX. I CALLED THEM TO ASK THEM TO TAKE IT BACK OFF MY REPORTS AND THEY BASICALLY BLEW ME OFF! I WAS IN THE PROCESS OF IMPROVING MY SCORE AND NOW THIS HAS REALLY SET ME BACK! PLEASE CONTACT THEM AND HAVE THEM REMOVE THIS OFF MY REPORTS IMMEDIATELY!
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION ()

I owned a property in XXXX FLXXXX which I sold 2 years ago and had an account with BB and T. This bank was acquired by Truist . 
I want to close the account t and remit the balance back to my XXXX dollar account. 
They keep telling me I have to go to their online banking site but I no longer have an ITIN number so I can't access it and they say there is no other way the funds can be transferred.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain 3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status.

4 if any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of YOUR STATE, including your Third-Party Debt Collection Bond 6 Also send proof that you sent the legally required notices Followed by reporting this alleged debt to any consumer icies, including copies of the original notice and Any letter tracking your firm maintains. FTC XXXX XXXX XXXX makes clear that it debt parking without # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
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: TD BANK US HOLDING COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Several years ago I/we had ID theft. We place freezes on the three major credit bureaus. Now I am trying to temporarily lift the freeze in order to secure a new mortgage. 
XXXX  & XXXX  have been great. Experian is a not so cooperative. 

I have tried multiple times to follow Experians online credit unfreeze process and it all ends in an error. The end result is for the consumer to call Experian. After working through all of the automated prompts their system instructs, the end result is a recording that says I need to send copies of my personal ID 's - Drivers License, SS Card, Utility bill, etc. via US Postal Service to them. Talk about a recipe for ID Theft! " Yes, send copies of all this stuff that we tell you to hold close and don't give to anyone '' Experian DOES have an option to upload documentation via secure server, just not for credit freeze/unfreeze issues. 

Experian also does not allow for ANY option to talk with a human operator or case worker.

Why is it that I am beholden and held hostage by a " for profit '' company that I did not ever sign up for their services? They have been granted " immunity '' from the federal government to exercise their freedom of " lack of customer service ''. 

I would ask that if a company like Experian is allowed to exert so much control over a consumers financial lives, then that company MUST offer a more robust customer service experience. But ultimately I would like the free market to decide which credit bureau survives or not, the the consumer/business ' decide!