davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act XXXX  account named XXXX XXXX  compan has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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.
Consumer complaint received 2022-05-24
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. (PA)

In accordance with the fair credit reporting act XXXX account named XXXX XXXX compan has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United PanAm Financial Corp. (ND)

They are spoofing numbers and calling me repeatedly about my ex wifes vehicle. I believe they are either working for United Auto Credit or they are a debt collector who bought the debt. Ive given them her number and even told them where she parks the car but they continue to harass me. They also call from other numbers and leave me voicemails at XXXX  every night. 

I have received the following call and voicemail from XXXX ( XXXX ) XXXX every night at XXXX for months. 

Transcription : Hello this is United auto credit and we need to speak with you today we are open between the hours of XXXX XXXX XXXX XXXX XXXX central standard time Monday through Friday and from XXXX XXXX XXXX XXXX XXXX central standard time on XXXX  please give us a call at XXXX thank you When they call they will repeatedly call from different numbers every couple of minutes so that even if I block one number my phone continues to ring. I have repeatedly asked them to stop calling me because I cant help them.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing in regard to the charge off accounts on my credit report for my Bank of America. On XXXX XXXX I agreed to pay the lender with the assurance that it will be removed off my credit report, a " pay for deletion ''. I have had a constant battle with lender honoring their part of the settlement. I am requesting that this account be removed. It has now been over 45 days since requesting lenders to delete this account, the request was delivered XX/XX/XXXX through USPS Certified Mail, with no response. The lender have responded to letters in the past stating that the account is accurate, and I advised them I am not denying it. I understand that this account is valid, but I paid this account with the promise of the deletions. I fell behind XX/XX/XXXX, six years ago, because my mother was diagnosed with XXXX and had to take care of her. I then settled on XX/XX/XXXX, four years ago and since then I have been dealing with this burden. I paid for deletion, I did the right thing, rather than just waiting seven years for it to fall off. Since then, I have gotten all my finances in order and paid every account on time without a blunder. I am trying to provide for my family and purchase a home for us and this has had a major impact. Please help me be able to provide for my family.
Consumer complaint received 2019-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (OK)

XX/XX/18 I have two Money request one is {$15.00} and the other is {$35.00} from paypal. But I dont have PayPal it was sent to my email and I was charged for those 2 payments from PayPal I see that the email that i got charged from is from another country Im not sure how they did all this they went in to my email and they requested money from their other account to my account I also got a notification saying unusual log in but I didnt think much of it at the moment tell I checked my email yesterday at night and I was to late to contact you guys I just want my {$50.00} dollars back
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: EQUIFAX, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


It has been over 4 days
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: Experian Information Solutions Inc. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


It has been over 4 days!!
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Card Services Has lied about validation of the debt in question. and have violated my rights. 

They claim they validated the debt but has refused to send name of the company they used to validate the debt. 

And has maliciously, purposely withheld the information requested one being the original signatures which they cant provide because the account does not exist. as you heard the phone call.

And two the name of the company who validated the debt. 


This is really bad and sad. 
this account should be deleted.
Consumer complaint received 2022-12-16
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 — Investigation took more than 30 days
Company: LEXISNEXIS (NY)

I sent a certified dispute letter to LexisNexis, that they received XX/XX/2022. This dispute letter included copys of my Driver ID and a copy of my social security card. I received a letter from them on XX/XX/XXXX telling me they could not verify my identity. I then call LexisNexis and I was informed that letter was a mistake and they were able to start the dispute. I have not received any correspondence from them, so I call today XX/XX/2022. I get told there is nothing on file of any certified letter for a dispute. I mention I'll file a complaint with the CFPB and then the rep just so happens to find my certified dispute letter and then informs me the other forms with copys of my Driver ID and copy of my social security card are missing. The LexisNexis rep then informs me NO dispute was ever filed and that now they will since I stated I file a complaint with the CFPB. The fair credit reporting act, states they have 30days from the time a dispute is filed to investigate and reply back to the consumer. They have NOT done that. They can not just misplace copys of consumers ID numbers and social security cards. They can NOT take a certified dispute letter and hold onto it for a month and then only after getting multiple phone calls finally decide to submit that certified dispute letter to go through the process.
Consumer complaint received 2024-03-09
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended XXXX alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

YOU ARE IN VIOLATION!!! Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

It has been over 4 days.
Consumer complaint received 2019-11-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

I am a XXXX veteran with a XXXX XXXX XXXX  XXXX XXXX. My name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. I was just hospitalized again and I am in dire straights. USAA/XXXX  XXXX, and XXXX XXXX  are threatening to cancel, repossess and/or foreclose on me. Please help me. My cell number is XXXX.
Consumer complaint received 2019-11-23
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. (CT)

XXXX do not want to delete my student loans that were rehab originally I have 6 student loan that went into default but I rehab those loans but the original creditor XXXX reopened 6 more student loans basically converted 6 students loans in 12 student loans when they should be 6 ..I need the 6 that are closed to be delete because they are the same as the open loans. In XX/XX/2019 I made a depute but no results..
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM FILING THIS COMPLAINT IN REGARDS TO MY PREVIOUS COMPLAINT. TRANSUNION RESPONDED TO ME THROUGH THE PORTAL, I THEN RESPONDED TO THEM THROUGH THE PORTAL, AS IT IS NOW XXXX XXXX, 2015 I HAVE NOT RECIEVED A RESPONSE FROM TRANSUNION IN REGARDS TO MY RESPONSE. TRANSUNION HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA LAWS. THE DISPUTED ITEM OUTLINED IN MY ORIGINAL DISPUTES MUST NOW BE LEGALLY REMOVED FROM MY TRANSUNION CREDIT REPORT. 
I am writing in regards to my original disputes referenced with the CFPB. I have disputed these alleged accounts information as inaccurate with Transunion, and Transunion has come back to me and stated that they were able to verify these alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted each of the creditor listed on my credit report myself and have been unable to get them to verify that these are indeed my debt. 
I have previously enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified signature request. These debt are not mine and I was given no evidence of my obligation to pay these alleged debts to the creditor 's listed on my Transunion credit report.. 
The FCRA requires Transunion to VALIDATE the validity of the disputed items within 30 days. If VALIDATION can not be verified, Transunion is obligated by law to remove the disputed items listed in my original dispute. There is a clear case of unverified debt here, and I urge Transunion to remove these items before I am forced to take legal action. 
Transunion has legally failed pursuant to the FCRA, to VALIDATE the disputed items outlined in my original disputes and is continuing to list the illegally disputed items on my credit report I will find it necessary to sue Transunion for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue Transunion in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my Transunion credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Transunion. 
I look forward to a speedy resolution of this matter.
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: EQUIFAX, INC. (MD)

This is my 2nd submission to remedy my consumer report. Your response indicates that you did not read or see my attachment in the 1st complaint, as all the information you mentioned was provided already. I have pasted your response below and I have attached the document again. 

Please read thoroughly. In the event you are unable to comply, I am requesting a written letter stating the laws ( superior to the laws I've stated ) that gives you the authority to reject my request. 

Thank you for your time. 

Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com
Consumer complaint received 2019-11-23
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. (CT)

TransUnion do not want to delete my student loans that were rehab originally I have 6 student loan that went into default but I rehab those loans but the original creditor XXXX reopened 6 more student loans basically converted 6 students loans in 12 student loans when they should be 6 ..I need the 6 that are closed to be delete because they are the same as the open loans. In XX/XX/2019 I made a depute but no results..
Consumer complaint received 2022-05-24
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. (MD)

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX have violated my rights. 

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
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

XXXX and Equifax keeps stating information is verified as accurate. I want XXXX and Equifax to send the Method of Verification, who did they verify Bankruptcy with, I want name of person spoken with, address, phone number, agency and where did they SPECIFICALLY get verification information according to the FCRA guidelines. They are not being truthful. Can they provide a statement of penalty of perjury they followed FCRA guidelines to verify information.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (IL)

The collection agency Berlin-Wheeler-k keeps reporting this fraudulent account to my credit report they will remove it then add it back the amount is XXXX they keep reporting it as a new account in collections recently they reported the the account. it read as follows Between XXXX and XXXX a new account is in collections
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX  XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Inquiry XX/XX/XXXX, XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX / XXXX Inquiry XX/XX/XXXX, XXXX XXXX / XXXX Inquiry XX/XX/XXXX, XXXX XXXX / XXXX Inquiry XX/XX/XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
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: EQUIFAX, INC. (MN)

The following accounts listed on my XXXX and Equifax credit report are lost/stolen credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, balance {$450.00}, and XXXX  XXXX Bank XXXX XXXX, XX/XX/XXXX, balance {$580.00}. The following credit inquiries listed on my Equifax and XXXX credit report are fraudulent, unauthorized and not mine : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CA)

I received a billing statement from XXXX XXXX which I don't have account with them. I contact XXXX XXXX that I never open an account with them and they ensure me that it was taking care of. Few month later, I received a debt collecting letter from XXXX XXXX and phone call. I told them it was a fraud and someone use my name and the SSN # was different. They are very rude and threaten me that if I don't pay they will take me to court.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXXXXXX XXXX XXXX  XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX, XXXX XXXX / XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-24
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. (MD)

In accordance with the Fair Credit Reporting act. The Bureaus acct # XXXX and XXXX XXXX XXXX XXXX acct # XXXX, have violated my rights. 

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.
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 — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC. (WI)

I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.