davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I write this in reference to the Fair Credit Reporting Act ( FCRA ) and believe my federally protected consumer rights ; specifically my right to privacy and confidentiality under 15 USC 1681, have been breached. The accounts involved in this violation are as follows : XXXX - Account number : XXXX XXXX  XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX - Account number : XXXX Section 602 ( A ) of 15 U.S.C 1681 safeguards my right to privacy. Additionally, Section 604 ( A ) ( 2 ) of the same code outlines that a consumer reporting agency may not provide account details without the written consent of the concerned consumer. 

Section 1681c ( a ) ( 5 ) of 15 U.S.C mandates that a consumer reporting agency can not include any adverse information other than criminal conviction records that predate the report by over seven years. 

As per 15 U.S.C 16 1681s-2 ( A ) ( 1 ), it is illegal for anyone to furnish consumer-related information to any consumer reporting agency if they are aware, or have justifiable reason to believe, that such information is inaccurate. 

These inaccuracies are currently obstructing my ability to purchase a home for my family and are negatively impacting my financial prospects. I hereby request the immediate deletion of these inaccuracies from my credit report. 

I anticipate your swift attention to rectify these inaccuracies, as this matter is crucial to my financial future.
Consumer complaint received 2020-06-18
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: CORELOGIC INC (CA)

There are inquiries on my credit report that I do not recognize and I did not authorize. Here are company names and dates : XXXX XXXX XXXX XX/XX/2020 XXXX, CREDCO XXXX XX/XX/2020 ), XXXX XXXX XXXX ( XX/XX/2020 )
Consumer complaint received 2023-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-03
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. (MD)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonab
le cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-01
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. (MI)

On more than one occasion transunion never mailed my credit report on XXXX and XX/XX/2021, in which the law states a free copy of all three ( 3 ), credit reports every one to two weeks do to the on going outbreak, I believe that someone name on my credit report maybe showing up, or something or someone is plugged into my credit information.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

15 U.S. Code $ 1681c 2 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 date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should be furnished in my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b Permissible purposes of consumer report ( s ) any consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delinquent accounts listed removed immediately.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union reports 2 hard inquiries that led to at least one active account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both of which were never applied for by me.
Consumer complaint received 2021-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I sent the attached dispute to TransUnion on XXXX/XXXX/2021 and they haven't respond as they are required by federal law which stated they have to respond in 30 days.
Consumer complaint received 2023-07-20
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. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MI)

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXX, XXXX XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account was created on mistaken identity, this account is not mine. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of this company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (RI)

I shall begin by saying this is a cease and desist letter to the companies SELF FINANCIAL INC, XXXX, XXXX, AND XXXX. I am seeking Monetary Relief because my rights under the FCRA have been violated by Self Financial Inc ( 15 U.S. Code 1681n - Civil liability for willful noncompliance ). This company has been reporting to all 3 credit bureaus that my account has been charged off however, they have been constantly harassing me via email to make a payment. Below I have attached proof of how the account is reporting on my credit report which is also accurate for the other bureaus and I've also attached proof of them emailing me today XX/XX/2023 saying that I owe a payment. I would like this account IMMEDIATELY deleted and removed from all 3 credit bureaus as this is a CLEAR violation of my rights. This corporation is trying to profit from the government as I assumed they filed a 1099C for this " debt '' and they are also trying to profit off of myself as a consumer since they are STILL asking me to make a payment. HORRIBLE HORRIBLE HORRIBLE and shame on them!!! I would also like to receive monetary relief from the 3 major credit bureaus as I have reported MULTIPLE times that this company has been violating my rights and all they have done was validate the account without any explanation as to HOW they validated it. I'm confused because I was under the impression that these credit bureaus have an obligation to the CONSUMER but it looks like they are working together with these major corporations to try and profit off of poor consumers as this account has cost me thousands of dollars in interest. I will take legal action if this account is not removed and deleted within 15 days off of all 3 of my credit reports as there is no excuse or explanation that can justify such violation!!!
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX, I went to Wells Fargo to deposit a check in my checking account for over {$240000.00}. The manager Had to make a call to verify The funds were there. They told me {$400.00} of the funds are available today and the other {$240.00}, XXXX plus dollars will be available on saturday, XX/XX/XXXX or the next day. My printed receipt from Wells Fargo States the exact same but the funds will be available the next day, XX/XX/XXXX. I noticed online that the funds are still not available and I called the customer service rep and spoke with the supervisor. The supervisor now changes the story and tells me that {$5000.00} will be available and then the remaining balance of {$240000.00} won't be available until XX/XX/XXXX. Meanwhile my printed deposit says the funds will be available saturday, XX/XX/XXXX. We needed to move the funds Else To earn interest And now Wells Fargo Is delaying this for themselves to earn the interest. Meanwhile, we have certain obligations with the funds and now we're held back because they lied to me at the branch and also the printed receipt shows when the funds would be available. I want to pursue and go after Wells Fargo for doing this to us.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (AZ)

( Hard inquiries that need to be removed from Equifax credit report, with dates ) Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (WV)

I went online XXXX to search for a XXXX XXXX XXXXXXXX XXXX. I found a pendant on XXXX XXXX XXXX. It was advertised as high quality with a price of {$13000.00}, on sale for {$12000.00} with a 75 % rebate for a total of {$3100.00} No Tax. Attached is a screen shot of what I saw. Plainly on the top it says 30 Day Return. Upon checkout I noticed an option to pay overtime through Affirm. It asked for my phone number and email address only. it approved me for the amount to purchase the pendant over 12 months with interest. The next day I get an approval email, but it has my wife 's name on it, XXXX. My wife doesn't even know about this purchase. 

I emailed the company on XXXX asking if I was going to receive this before XXXX and never received a reply inside 24 hours. I emailed them again asking the same question. I got a reply explaining I purchased the poorest quality diamond made. So, I immediately called XXXX XXXX XXXX. He suggested I go to a smaller diamond for better clarity. The bigger diamond would show too many imperfections and be very dull. I told him to just cancel the order. He told me there would be a XXXX $ % restock fee?!!! That would be {$1000.00}. It hasn't even been shipped. He didn't offer any other solutions to try to fix the issue. 

I contacted Affirm. At first they didn't want to talk to me because the account is in my wife 's name. She doesn't even know about it.
Consumer complaint received 2023-02-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXXXXXX XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been charge off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

i received a letter from a debt collection company ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ) claiming i owe {$5600.00} from an unpaid XXXX Credit Card, The bank who filed the claim is Jefferson Capital Systems LLC and the original creditor is XXXX XXXX. I called XXXX and they confirmed my social security number, name and address are correct ; however the email address on file was not. XXXX rep said the account was related to charges from 2017. I have never opened a XXXX credit card so I know this is not my debt. I asked them to please report the account as fraud. The XXXX rep told me she would be mail me a form to complete and mail back to them. I thought I would file an official complain with your office. Please let me know what else I need to do to protect my credit card from this fraudelent debt. Thank you.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a credit collection on my XXXX that is different from Transunion. One was taken off of my XXXX report but the same charge was on my Transunion and was not removed. I clearly saw that this was an incorrect charge or report on my credit card that might introduce more problems and they may have other incorrect credit reports to my credit as well. I have seen other companies sell credit collections that were owed to keep them going longer so it doesn't get removed under the time frame
Consumer complaint received 2022-12-15
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX