davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Dear TransUnion, I am writing to officially dispute the inaccurate listing of the name XXXX XXXX XXXX on my credit report. I seek your immediate attention to rectify this matter and ensure the accurate representation of my identity.

I have previously sent a dispute letter by mail, outlining the inaccuracies associated with the mentioned name and providing supporting documentation. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute inaccuracies on my credit report.

Additionally, I have placed the supporting documents in the Consumer Financial Protection Bureau ( CFPB ) portal for your investigation. FCRA Section 611 ( a ) ( 3 ) requires consumer reporting agencies to consider all relevant information submitted by the consumer during the reinvestigation process.

As outlined in FCRA Section 611 ( a ) ( 1 ) ( A ), it is mandated that consumer reporting agencies must conduct a reasonable reinvestigation within 30 days upon receiving a dispute notice. Failure to initiate an investigation within this timeframe may result in the automatic deletion of the disputed information.

Enclosed with this letter is a copy of the supporting documentation sent via mail, reinforcing my identity and the inaccuracies associated with the name XXXX XXXX XXXX. I trust that this information, along with the documents in the CFPB portal, will expedite your investigation and ensure a swift resolution. 

I appreciate your attention to this matter and expect your prompt collaboration in rectifying these inaccuracies within the stipulated time frame.
Consumer complaint received 2023-02-14
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)

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts, be verified or removed immediately : Please investigate and remove completely from my credit report, Please investigate and delete from my credit report. 

XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX & XXXX : ( ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX XXXX ( ACCOUNT NUMBER XXXX ) In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX SS # : XXXX
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, My name is XXXX XXXX and I submitted a credit dispute with Transunion and after 30 days they have failed to honor my request. Instead Transunion sent me the documentation after 30 days that they believe that this was not me when the dispute came from me with proof of identification documents and failed to open the dispute of items on my credit that are inaccurate and do not belong there. They have violated FCRA laws without processing my dispute and ignored my request with a invalid reason stating that it was not me.
Consumer complaint received 2024-04-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (TN)

I have XXXX credit collections companies trying to collect but I did some research and I think they are not licensed and bonded to collect in the state of Tennessee. Consumer Adjustment Company {$970.00}. And XXXX XXXX XXXX {$1600.00}
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SUNTRUST BANKS, INC. (GA)

SunTrust fraud case # XXXX My card number was stolen and the perpetrator used my card on three separate occasions in California . I filed claims on each transaction and the first two were honored. Although our son has used XXXX, he did not on the day of this charge. However, SunTrust denied the claim. 

I do not understand the rationale behind the decision when it is obvious this is fraud.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I XXXX XXXX a consumer is still having problems with a Bankruptcy on my credit report. I have asked the several times that the bureaus show me how this information was furnished. They have yet to mark the accounts as disputed. The bureau has completely disobeyed the FCRA. They have not removed this account from my credit report. So, I'm requesting that all XXXX XXXX accounts on my credit be removed. 15usc1681 604a Section 2 states that a consumer reporting agency can not furnish account without, my written consent.
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (AZ)

I had a car loan with Well Fargo and the interest rate was higher than I noticed even having a great credit score i was paying {$250.00} monthly. when the car was bought off the lot, I believe it was {$13000.00} but when it was all said and done, I feel like I paid way too much. I put {$2500.00} down and still took a while to pay down the interest.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (SC)

Im a Wells Fargo customer from 2012 to present my account was always overdrawn when I didnt overdraw I was always charged a overdrawn fee I will call to confirm what was going on with my account most of the time I will get a mean person on the phone so I would go into a branch and still nothing and now since I refuse to pay a overdraft fee this time Wells Fargo closed my checking account I still have my savings but I see that they charge my savings account I removed all of my money and stop all of my direct deposits and now they talking about closing my savings accounts I been with Wells Fargo for like 10 years and they want even approve me for a secure credit card using my own money witch cost my credit score to go down.
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armada Corp. (WA)

The debt for {$150.00} was already paid to Armada Corp and was supposed to be removed from my credit. They keep reporting this debt to XXXX as a debt owed and it is not owes. I even have a letter from them that I have submitted to XXXX that states I DO NOT OWE THIS DEBT. Please remove it from my credit.
Consumer complaint received 2024-03-13
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. (CA)

I have contacted all 3 bureaus and informed them all that XXXX. XXXX XXXX is a charge off.account and according to FCRA 15 US Code 1691eb that I have not received a 1099 for it also they have written it off on their taxes. So it is illegal to remain on my credit report. It must be removed immediately. 
XXXX XXXX XXXX has claimed over and over that it is mine. They have shown no proof at all. They just keep stating its mine along with stating its closed but it's still appearing open and if it is closed it is considered charged off and has not been given proper information to show it is charged off anything. 
XXXX. XXXX was proven to not be mine and removed from my credit report. Then they claimed it was mine so they reinserted it without proof that it is mine. Along with it's a charge off account and FCRA 15 us Code 1681eb I didn't receive a 1099 and I know they were able to write off on taxes. 


These illegal practices need to be handled ASAP or I'll gladly take this way beyond small claims I'll take this federal because this is illegal and messing up my livelihood. So these items need to be removed immediately!
Consumer complaint received 2023-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2023 I contacted Portfolio Recovery Associates LLC Via-mail and requested the following in which they responded with just a few copies of the last billing statements that didn't add up to the Balance amount owed and copy of XXXX XXXX XXXX contract agreement with no signatures written or digital indicated on contract agreement, and a copy of the same bank Notification of Assignment, Sale or transfer of Credit Card Account that is deemed to be fraudulent. 

GENERAL DENIAL Pursuant to Tex. R. Civ. P. 92, and without waiving any other defenses, Defendant denies.

each and every allegation of Debt Collectors original debt claims, and demands strict proof thereof by a preponderance of the evidence as required by the Texas Rules of Civil Procedure. Furthermore, I denies the debt collectors allegation and request that all conditions precedent and all documents are validated and presented as I have requested ; Therefore Above debt collector should be denied recovery and the claim voided, furthermore until the conditions precedent below have provided to me in its entirety. 
XXXX. 
AFFIRMATIVE DEFENSES By way of further Validation, in the alternative if such be necessary, and without waiving any of the foregoing, I XXXX XXXX XXXX, XXXX asserts the following affirmative defenses : 1. Illegality in contract law 2. Debtor is not liable to Debt Collector for the debt claimed because Debtor is entitled to an offset.

3. contract is illegal, and therefore, unenforceable 4. Duress in Contract I therefore I demand that the debt collector provide me with the following Documents below for complete validation of the said debt : 1. Provide Name and address of original creditor along with verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. Please provide a copy of the written agreement that created my original requirement to pay.

2. A copy of the all-billing statements sent to me by the original creditor since the beginning of the credit card contract agreement.

3. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing all the dates and amount of each charge added to the total amount that created the full balance amount claimed due. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

4. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.

5. Identify the date of the first and last payment made on this account.
Consumer complaint received 2023-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TN)

My mortgage amount for XXXX XXXX XXXX place is {$2700.00} with THE MONEY SOURCE. 
In the month of XX/XX/XXXX however, XXXX charged me {$3100.00}. I have no lapse in insurance coverages or anything so I contacted them requesting an explanation and a refund. I got neither. 

I did realize sometimes in XXXX of XXXX, XXXX conieved with my XXXX agent to put XXXX  Insurance on my property. I immediately opted for a more reputable insurance company- XXXX XXXX XXXX. The XXXX XXXX agent and myself emailed and called in my new policy several times but XXXX pretended not to receive our barage of calls and emails. 

Then in XXXX, instead of acknowledging my new insurance information they decided to overcharge me without explanation. 

I contacted XXXX  requesting explanation for the overcharge and refund. Uptill today, I neither received an explanation nor a refund from XXXX.
Consumer complaint received 2023-02-22
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. (TX)

In accordance with the Fair Credit Reporting Act these accounts have violated my rights. 
According to 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 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Account Name XXXX, XXXX. 
Account Number XXXX Account Name XXXX XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX, XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name OFFICE OF THE ATTY GENER Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (AR)

I have been a victim of identity theft for several years and its a constant battle keeping negative information and inaccuracies at bay! I informed XXXX, XXXX And Experian as well as the FTC ON NUMEROUS OCCASIONS, that I Wanted an Extended Fraud Alert placed on my File. Experian Has complied and processed some of my Disputes However, Experian, XXXX and XXXX hasnt been so compliant to my disputes. All three Bureaus have disregarded the police reports Ive sent to them, The FTC Victim Affidavits and statements. I filed numerous disputes with XXXX and XXXX regarding inquiries. Any inquiry that isnt Attached to an account I did not authorize. The only Inquiry Made by me was with XXXX XXXX XXXX XXXX In XXXX of 2021. Ive tried maintaining Freezes but somehow the fraudster steal weasels around it. Ive placed in my statements to not extend Credit or check Credit without verification of my identification. To ask for multiple forms of identification by Mail or Fax or In person only. My wishes for that hasnt been Met. XXXX has denied all of my dispute claims against the numerous Inquiries that has been made to my XXXX Report : Experian Has denied the dispute Regarding the XXXX Account which was included in a police report, Ftc Statment and fraud Affidavit Ive sent them numerous times. They have violated FCRA 605B ( 15 U.S.C. 1681c-2 ). I have requested to have the negative FRAUDULENT Data Blocked, furnished all three bureaus ( XXXX, XXXX, and Experian ) the proper Documentation I.e. Police Reports, FTC Statements, identity theft victim reports and statements. Due to these bureaus not correcting Certain discrepancies and fraudulent activities, Ive been Denied Access to certain Financial Products, Fair Housing opportunities, Certain Utilities, Fair Lending opportunities, Equal Employment opportunities, Business Ownership And Expansion opportunities, Life/Auto/home & Renters insurance . I Feel that another Class action should be en motion because Im certain Im not the only U.S. consumer being subjected to these Adversities Due to the CRA ( Credit reporting Agencies ) ignorance, negligence, and disdain
Consumer complaint received 2023-02-20
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: CL Holdings LLC (IN)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I am a natural person, I am a living human being I have rights under 15 U.S.C 1681 Section 602 A.

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1692 B ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states 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 calls to believe the information is inaccurate
Consumer complaint received 2023-03-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-13
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. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2023-06-27
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. (LA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts 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