davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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. (MS)

To Whom it may concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the informa- tion in which a company has passed to you. Please delete immediately. 
When the requested above deletions are made, please mail me an updated copy of my credit report. 
Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX Kind Regards
Consumer complaint received 2022-12-10
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. (CA)

XXXX XXXX Equifax have exceeded my patients please note and publish I am being represented by council referred by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to follow Case # XXXX do to the practice areas I retained a attorneys that practices in California representation was mailed out, XXXX has called me twice and made XXXX  and lyes in there investigation process, due to the proven fact noted by C.F.P.B my prayer or relief Decretory judgement that defendant violated th FCRA, 15 U.S.C.1681e ( b ) An award of actual damages pursuant to 15 U.S.C 168n ( a ) ( 1 ) or 1681 o ( a ) ( 1 ) An award of punitive damages, as allowed by the court pursuant to 15 U.S.C 1681n ( a ) ( 2 ) an award cost and reasonable attorney fees pursuant 15 USC and such other and further relief as the Honorable court may deem just and proper including any applicable pre judgement and post judgement interest, and/or declamatory relief I will demand jury trial on all issues
Consumer complaint received 2019-02-02
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. (TX)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
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)

I am writing this complaint to Experian regarding the accounts and information thats listed in my dispute letter. After going over my monthly consumer report I've noticed information thats reporting to my report that doesnt belong to me. I am aware of the consumer laws that Experian is governed by, and I understand that any information or account must be verifiable and accurate to properly report. The accounts and personal information listed in my dispute letter are both inaccurate and don't belong to me. The creditors thats reporting the accounts never had my consent to obtain my personal information nor did they have permission to share it with anyone, which violates my right to privacy. For the accounts to belong to me there must be mutual agreements and documentation included in which neither exists. It is Experians duty to thoroughly investigate my dispute and update and remove anything thats unverifiable. How can there be a debt owed if there was never a mutual agreement between both parties? 



Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2023-02-04
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. (NJ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TX)

Some people posing as " Pay Pal '' have been emailing and calling me stating that I owe {$500.00} for XXXX XXXX. I haven't used my PayPal in over a year and I have never used XXXX XXXX. This is a total and complete scam. I do have the emails and one voice mail. This is fraud and harassment. 

Their number is : XXXX
Consumer complaint received 2023-02-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

In collusion with legal firm of XXXX XXXX XXXX, my mortgage was defaulted and my home foreclosed on, even though I had also filed for bankruptcy protection prior to my home being repossessed and sold. Outside of a temporary option, which I successfully completed, Wells Fargo denied my attempts to get modifications on my home mortgage and generally made no good faith effort to help me keep my home. My home was initially foreclosed on XX/XX/2011, then postponed to XX/XX/2011.
Consumer complaint received 2019-02-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Patenaude & Felix A Professional Corporation (NV)

I received a letter from the company named Patenaude and Felix, A.P.C. stating that I have to pay off an account that for {$260.00} when the account has already been closed. In the achieve I will be enclosing the following documents. One, the letter from Credit Monitoring ( showing proof that the account was closed ) and the letter from the following company I have mentioned earlier. I don't know these lawyers and I would appreciate it greatly if you looked into the matter as soon as possible.
Consumer complaint received 2024-02-21
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. (AL)

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 2024-02-21
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing to formally raise my complaint regarding the inaccurate credit information present on my credit file. These inaccuracies not only cause embarrassment but also hinder my ability to access the credit I rightfully deserve. It is well-established by law that credit bureaus must report only precise credit information. It is evident that the inclusion of this erroneous information is either a mistake on your part or on the part of the reporting creditor. It is disconcerting to find that the following information has been included in my credit report : XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please delete these fraudulent accounts in my credit ASAP.
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: Professional Credit Analysts of MN, Inc. (UT)

I sent over a validation of debt request back on XX/XX/2022 and I have never received in insight back on Account # Professional CR Analys-Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will send copy of tracking and letter requesting information.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ( XXXX ) XXXX is reporting these fraud inquires on my account please remove from my credit report as per consumer privacy law thank you 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 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 According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the 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 account
Consumer complaint received 2023-11-30
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'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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. (GA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-01-07
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. (TX)

I contacted the four ( 4 ) main Credit Reporting Agencies and let them know that they are falsely reporting an account on my consumer report as the creditor stated in writing that they were not reporting on my report. However, they are still is claiming the report as accurate after disputing with them.
Consumer complaint received 2023-11-30
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. (TN)

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 XXXXXXXX
Consumer complaint received 2024-02-21
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. (CA)

EXPERIAN has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. However, I have never received any documentation to prove that their investigation is correct. FTC complaint is being attached to prove that I had made some necessary actions considering my rights. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-04
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

In XXXX I filed this complaint and and it still has not been resolved. I submitted the forms through and HSBC affiliate in XXXX and never heard back from XXXX or HSBC. 
My original complaint number is : XXXX In XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX an affiliate of HSBC ) and XXXX {$17000.00} as a demand draft ( see attachment ) in preparation for leaving. The demand draft was drawn on HSBC Bank, XXXX. Upon arrival in the XXXX I deposited the demand draft. It was returned without explanation by my US bank ( XXXX ) and stamped " XXXX XXXX XXXX  ''. They issued me a check in XXXX of the original ( see attachment ), which I then attempted to deposit at Bank XXXX XXXX. The teller accepted the check and said it would not be a problem. When the money did not appear in my account after several weeks I called and was told that the check was returned and since they destroyed the original I would have to contact the original bank for another one. Since I was no longer in XXXX XXXX, XXXX XXXX XXXX XXXX  in XXXX XXXX, and they went to the branch with copies of all the attached documents as well as a XXXX. They were told that my demand draft was in fact returned, and the money deposited into my account. However since it had gone dormant, the money was transferred to the XXXX affiliate of XXXXHSBC XXXX HSBC Bank XXXX XXXX I called the HSBC help lines and since I don't have an active account the customer service reps can not help me. I have searched various states ' abandoned property listing and come up empty. I get no response when I email the HSBC addresses on their website.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Kohls Credit cards offer auto pay but instead of allowing you to make any w of payment they only off statement balance or minimum payment due. If you only pay the minimum payment due your accruing interest at almost the same amount as your payment. Ive called kohls credit service multiple times and theyve assured me that i can set it to a certain amount monthly just not on the mobile app. I was instructed to go to their website on a computer as the browsers are said to be different. They are not and there are no other options for payment. I feel this is a violation and I was lied to by multiple employees. All I would like to do is pay a set amount every month so that i can pay it off quicker and avoid paying so much in interest.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I opened a banking account with Wells Fargo. I initiated two separate transactions, via Wells Fargo 's website, to transfer money from an external account to the Wells Fargo checking account, using the other bank 's routing and account number. Wells Fargo denies having received these two transfers, for {$500.00} and {$100.00}. 

I called the credit union that transferred the funds. They have verified that they transferred both amounts to Wells Fargo and they have sent me proof of that transfer. Wells Fargo still denies they received it a week later, and they refuse to credit my account. 

I have been on customer support with them for HOURS, and they refuse to fix this. My next step is to get a lawyer I think, even if it costs more for the lawyer that the lost funds, because this is just blatant fraud on the part of Wells Fargo. 

I have attached the proof from my credit union that the two transfers happened. They are dated XX/XX/23 ( {$500.00} ) and XX/XX/23 ( {$100.00} ). Neither of these has appeared in my Wells Fargo account.