davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There a couple of addresses on my credit report I am not associated with and I wanted to have them removed from the credit report. Each credit report has different ones that I am not associated with so I will list them by credit bureau Transunion XXXX XXXX Ct, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX Ct, XXXX XXXX, CA, XXXX XXXX XXXX Ct, XXXX XXXX, CA, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX Ct, XXXX XXXX, CA, XXXX
Consumer complaint received 2019-06-12
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. (HI)

I have disputed the late payments on XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (GA)

AFNI, INC. did not provide the proper documentation as requested and continued to leave their collection activity on my credit report.

During this validation period, Afni, Inc., actions was and still is detrimental to my credit reports. The information own my credit report was never validated or verified as being my account there is no provided proof that it is.

Afni, Inc., never validated my request within 30 days from the date they received my letter, all references to this account was never deleted and completely removed from my credit file and a copy of such deletion request was never sent to me. 

I am attaching the signed return card from the post office showing they received my request and had their full 30 days to validate this debt and they did not.
Consumer complaint received 2019-06-12
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. (NY)

There is a fraudulent account opened up in my name. This account is fraudulent and must immediately be removed from my credit profile. I am in the process of filing suit against the creditor. I am XXXX years old and I have no negative accounts on my credit report except for this fraudulent account. It must be removed immediately. 

1 ) XXXX XXXX Balance {$22000.00}
Consumer complaint received 2020-09-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 RE : Complaint To Whom It May Concern, Not too long after having enacted a complaint against a credit bureau on XX/XX/2020 with your organization due to inaccurate reporting, now all three credit bureaus : XXXX, XXXX XXXX, and Equifax have since in retaliation alleviated all payment history entirely from all of my 13 accounts. All three credit bureaus are now purposely reporting inaccurate payments, as well as, all three bureaus are consistently, falsely purporting that my all of my accounts have incurred high balances on a monthly basis or were otherwise overdrawn. 

The above actions have detrimentally negatively impacted my credit score, inhibited my ability to obtain credit, due to the fact that while all three credit bureaus state that I have exceptional payment history, no actual payments are being displayed by any of them, or if in fact a payment is being reflected, it is that of a payment amount being displayed as that of {$0.00} ( View enclosed ). 

In closing, I have tirelessly and arduously filed numerous disputes with supporting documents indicating that each credit bureaus reporting is inaccurate to no avail ; thereby, I again seek your assistance in aiding me to resolve expeditiously under the guidance of the FCRA ( Fair Credit Reporting Act ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2020-09-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/2020 RE : Complaint To Whom It May Concern, Not too long after having enacted a complaint against a credit bureau on XX/XX/2020 with your organization due to inaccurate reporting, now all three credit bureaus : XXXX, Trans Union, and XXXX  have since in retaliation alleviated all payment history entirely from all of my 13 accounts. All three credit bureaus are now purposely reporting inaccurate payments, as well as, all three bureaus are consistently, falsely purporting that my all of my accounts have incurred high balances on a monthly basis or were otherwise overdrawn. 

The above actions have detrimentally negatively impacted my credit score,  inhibited my ability to obtain credit, due to the fact that while all three credit bureaus state that I have exceptional payment history, no actual payments are being displayed by any of them, or if in fact a payment is being reflected, it is that of a payment amount being displayed as that of {$0.00} ( View enclosed ). 

In closing, I have tirelessly and arduously filed numerous disputes with supporting documents indicating that each credit bureaus reporting is inaccurate to no avail ; thereby, I again seek your assistance in aiding me to resolve expeditiously under the guidance of the FCRA ( Fair Credit Reporting Act ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (MD)

This is the second time I have had fraud on this account. I called Suntrust and they told me the claim was refused because the MERCHANT said I had business with them. Suntrust never provided me with any documentation proving I had business with any merchant. I do not believe Suntrust did any investigation. 
The first time Suntrust claimed the fraud was out of the statute of limitations. It was not. 

Suntrust has a habit of not honoring fraud claims. The second case was done on the internet. I tried doing my own investigations but I could not locate the businesses. 
The case number is : XXXX. 
This bank needs to be investigated for their practices.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have a account XXXX XXXX XXXX is showing on Transunion and XXXX  credit reports the account was investigated and deleted off XXXX  and I have disputed with Transunion and XXXX  via letters and fax in the guidlines of my rights in section 611 and 609 of FCRA to challenge their right to report the two bureaus to follow suit and delete account off of remaining credit reports to no avail.
Consumer complaint received 2019-08-29
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. (TX)

Once again Trans Union has allowed the placement of a hard inquiry this time from XXXX XXXX Just FYI Trans Union I have my service with XXXX XXXX XXXX for the last three decades and I don't plan on changing anytime soon, I guess you've never herd of Identity theft which is exactly what this is but since you're so out of tough with the public you wouldn't know that, but I can assure you that after I'm done informing the attorney general in my state and yours, and the FTC for starters, you will know.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (MO)

Consider this complaint as a follow-up to my previous attempt to ensure that these items are entirely removed from 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 Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$84.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

It has now been more than seven years since my negative accounts reported on EXPERIAN were last active. 

By law these accounts should be removed from my credit report. These accounts were sold to sleazy third parties that FALSELY made an account entry to create a false last active date.

Last XXXX I disputed these accounts and the only thing Experian did was to check with the sleazy third parties to see if their false entries were valid ; of course they said, Yes. Today I tried to dispute these accounts again and I was informed that by law I can not dispute an account that has already been disputed.
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Loan Services, Inc. (CA)

I was recently denied a mortgage, unable to secure a HELOC for home improvement and other necessities. Upon pulling my report, I discovered that my score has dropped drastically due to five months  of this account reporting as 30 days late, although I have never once been 30 days late. This has been extremely distressing for my family.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IN)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {XXXX} / XX/XX/2022 XXXX / {XXXX} / XXXX
Consumer complaint received 2019-06-12
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. (MA)

I was harassed by some men from the XXXX XXXX region. They knew my family was on vacation and they said they were going to kill me and hurt my family first and they forced the paperwork to get the account to pay a lot of money to them somehow.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 under 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc. (CA)

I have repeatedly sent this company certifield letters requesting viable proof bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. This company continues to send a computer generated statement as proof that the debt is verified and is mine. They are refusing to send me exactly what I am asking for and I have been asking since XXXX 2016. This company continues to report negative marks on my credit report without sending proof bearing my signature that the account is mine or has ever been mine. I am prepared to sue this ageny or 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Pratices Act ( including but not limited to Section 807-8 ). I want the negative marks removed from all three credit bueaus if XXXX can not send proof bearing my signature and proof that I have or ever had a contractual obligation with XXXX XXXX.
Consumer complaint received 2019-06-12
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. (DC)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Screening Reports Inc. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/1982. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2019-04-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/19, a CD I have with Wells Fargo matured and entered a grace period. I wanted to close the CD and have the funds transferred to another Wells Fargo checking account. I did not want the CD rolled over as I needed to use the funds. I called and requested that the CD be closed and transferred to my checking account. 

After several business days, I called Wells Fargo again because the online system still showed the CD as open. On XX/XX/XXXX, I called Wells Fargo again. The representative said they couldn't find record of my XX/XX/XXXX request so they put in another request to close the account. This time, the representative put in the request to just close the account and send me a check. 

After several business days, I emailed Wells Fargo regarding the status of the request. Rather than helping me, the representative told me the CD had rolled over for a new 24-month period. 

On XXXX, I called Wells Fargo again and finally got a hold of a manager. The manager indicated that they could close the CD even though the grace period ended because Wells Fargo had messed up my request. Finally, after a couple business days, the CD was closed and transferred to my checking account without any fees. 

Fast forward to XXXX, the 2nd of my 3 CDs at Wells Fargo matured. I called Wells Fargo to close the XXXX during the grace period and have it transferred to my checking account. After two business days, I called again on XXXX to ask about the status of my request. The representative at Wells Fargo told me that they did not have record of the request and that I should just wait another day. It's now XX/XX/19 and the CD remains open despite my request to close it. 

The reason for my complaint is that I refuse to believe that my luck is simply this bad or that Wells Fargo is simply just that incompetent by happenstance. At this point, I can't help but think that Wells Fargo is intentionally ignoring my requests to close the CD because they are hoping that the CD rolls over and I just give up and go away. There's no other logical explanation for why closing an account takes this much effort -- and why multiple representatives at the same call center are unable to fulfill a simple transaction request. 

I refuse to believe that a billion dollar bank in the U.S. just happens to have really antiquated systems that a ) doesn't track closing requests, and b ) is so difficult to navigate that no one at the bank seems to have the cognitive capacity for fulfilling the request. 

Considering that Wells Fargo is a bank, presumably in the business of selling CD products, I can't help but think they are also doing this to other customers. I find it borderline fraudulent that Wells Fargo can repeatedly ignore requests to close accounts. I would like the CFPB to investigate this issue, because where there is smoke, you know there is fire.
Consumer complaint received 2019-06-12
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. (DC)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please TELECOM SELF-REPORTED XXXX, TELECOM SELF-REPORTED XXXX
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.