davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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 multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2022-03-08
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. (MA)

I the consumer the natural person, have contacted Experian twice about this issue on XX/XX/XXXX and XX/XX/XXXX about reporting inaccurate information on my consumer report. I have disputed certain accounts on my consumer report and they came back verified. This consumer reporting agency never ask for my verification before they let these debt collectors furnish my report. They havent disclosed their method of investigation to come to the conclusion to verify alleged debt information Pursuant to 15 USC 1681b ( a ) ( 2 ) I notified in writing ; receipt with instructions. My rights have been violated by Experian. They disregard my instructions and proceeded to break the law. I did not have a direct written agreement with Experian to publicly display my information on my behalf. This vital role has cause me harm, they have ruin my reputation and violated my privacy by sharing my information which is consider identify theft. 15 USC 1681a ( q ) ( 4 ) also Pursuant to 15 USC 1681a ( d ) ( 2 ) ( i ) I disclosed with Experian it is unlawful to share my transactions and experiences. They continued to break the law.
Consumer complaint received 2022-07-08
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. (ND)

ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS, I AM A VICTIM OF ID THEFT, PEOPLE HAVE USED MY INFORMATION TO OPEN THEM. 

-AXXXX XXXX XXXX  {$120.00} XXXX XXXX XXXX {$2600.00} -US DEPT OF EDUCATION
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: STATE STREET BANK AND TRUST COMPANY (NV)

I retired from XXXX XXXX on XX/XX/XXXX. I requested my employer to execute a 401k rollover on XX/XX/XXXX. I opened an traditional IRA account with XXXX XXXX to receive the 401k full rollover amount of exactly {$190000.00}. 
XXXX XXXX provided me a confirmation letter stating that {$190000.00} was transferred to my XXXX XXXX Traditional IRA account. 
I have been contacting XXXX XXXX several times and they stated they never received any funs from XXXX XXXX. 
I have also contacted State Street Bank and Trust but they refused to provide any information about my 401k account. 
XXXX XXXX provided check number XXXX which they mailed to XXXX XXXX on XX/XX/XXXX and they claim the check status show as paid. 
The XXXX XXXX  address I provided to XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX changed 401k servicing from State Street Bank and Trust to XXXX on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX and they do not have any information about my account. 
On XX/XX/XXXX XXXX XXXX notified me that they opened an investigation but I have not been able to get any resolution to my complaint. 
At this time I am unable to get any information from either XXXX XXXX, State Street Bank and Trust, XXXX nor XXXX XXXX
Consumer complaint received 2022-03-08
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. (MA)

I am sick of dealing with this situation with Equifax, I have disputed information on the XXXX accounts on my report and they are ignoring the law. The are currently breaking the law. I am not a lawyer, but I am a concerned individual, that has invalid, incorrect, unsubstantiated information on my credit report and I want it removed immediately. 

There are multiple laws that Equifax is violating by reporting these false accounts and by law they are permitted to remove them. I have also filed an FTC Affidavit as well as will be filing with my attorney general. 

I am attaching all documentation that I have sent. 

Equifax is in violation of Act 15 USC 1681 subsections : 15 USC 1681 ( a ) ( 2 ) 15 USC 1681 ( a ) ( 3 ) USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b ) 15 USC ( a ) ( 2 ) ( A ) ( i ) 15 USC 1681 B
Consumer complaint received 2022-07-24
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-02-01
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. (TX)

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-01
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. (NC)

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.
Consumer complaint received 2022-06-18
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: ERC (GA)

My SSN last XXXX digits XXXX. My identity has been stolen.Someone has access to my personal information and has been ruining my credit making outrageous purchases. I have no knowledge of who or what this can be.Enhanced Recovery Co, account number xxxxx XXXX account XXXX collection. Report balance {$2500.00}. Date opened XX/XX/XXXX. Date reported XX/XX/XXXX. XXXX XXXX, date reported XX/XX/XXXX. Date assigned XXXX/XXXX/XXXX. XXXX {$840.00}. Status date XX/XX/XXXX. Account number xxxxxxxxxxxxxx XXXX. XXXX Date reported XX/XX/XXXX. Date assigned XX/XX/XXXX. XXXX {$24000.00}. Status date XX/XX/XXXX. Account number xxxxxxxx XXXX. Inquiries are not mines ether.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

I previously received several correspondences regarding this XXXX debt from several collection agencies I don't owe this debt I've never had a residence in Texas nor have I ever lived in Texas this debt isn't my debt. XXXX XXXX XXXX XXXX continues to transfer the debt to different collection agencies trying to collect. I've advised them several times this isn't my debt.
Consumer complaint received 2019-04-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

National credit adjusters after giving then police reports and ftc identify theft report put a collection on my XXXX  report that legally needs to be removed.this is illegally on my XXXX credit report. My ss # is XXXX.I have given proof of this to my attorney who has taken several companies to court on my behalf
Consumer complaint received 2018-09-12
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I initiated an investigating on my credit file Experian keeps. I never received a response. I again wrote them several times and still didn't receive a response on the file in-question. After my seventh letter, I began to keep a record of Dates, shipping info, and receipt. On or around the XXXX of XX/XX/XXXX, I sent in my 7th letter in because I finally got a response from Experian stating my account was verified. My response at that time, was for them to provide me proof that this filing exist with my signature, and if not to delete the file immediately. Nothing was received, I again sent another letter on or around XX/XX/XXXX. Now at this time, Experian not only broke several violations stated by law, but Experian hasn't even begun to visit the reason for my dispute. 

The account was opened XX/XX/XXXX ... Federal and State statute of limitation has already expired. Also the mere fact Experian hasn't respond to my issue initially, is another grounds for deletion. They are illegally reporting an account which should not be on my credit file, thus causing my credit score to be even lower. I '' ve even tried disputing one last time on Experian 's on Website XX/XX/XXXX & XX/XX/XXXX and was denied, stating " You have previously disputed this item. We are not required to process a duplicative dispute ''. I have included copies of everything I've stated attached to this complaint.
Consumer complaint received 2019-04-23
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. (CA)

XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX XXXX partial account number XXXXXXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This account needs to coded as an M1. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-03-08
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. (TX)

I am being violated by Equifax as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.
Consumer complaint received 2019-04-23
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. (CA)

I am requesting that TransUnion actually investigate instead of giving semantic answers. I have provided more than enough information to conduct an investigation. I am requesting that all of the attached letters that have previously been sent to TransUnion be ACTUALLY investigated. This is my final notice before I file a lawsuit for willful non-compliance under the FCRA.
Consumer complaint received 2022-03-08
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. (GA)

The company, Experian, refused to follow laws set up by the government. Experian says that the information, that does not belong to me, can be verified, but refuses to send the supporting documents to support this claim. This is a request to see the " wet signature '' along with supporting documents to place this infomation on my credit report. By law, Experian must send the customer a copy of the documents used to verify this claim as true. Experian has yet to send any documents to me violating the laws to protect consumers.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (IL)

The following is the list of steps around this issue. 

Last winter ( XXXX XXXX ), I requested Wells Fargo to help me manage a checking account. It had a negative balance and I no longer had an Online Banking service and don't have a branch in my area so I asked them if I could deposit money to the account. They said they would not take any kind of payment on the phone so I had to open a new account. For some unknown reason, they said they had to to close the original account, transfer the money to a new account ( which they opened ) and set me up to use Online Banking. I then used Online Banking to make a payment to bring my balance to a XXXX balance. 

I called a few weeks later and then asked them to close the new account. They said they could not close it because it had not been opened long enough and I had to wait. 

I waited another month and called again. They said they would close the account. The account was never closed. 

I called again and they told me the same thing - the account had not been opened long enough and I still had to wait. 

I then received a statement in the mail with a {$10.00} service charge for having a XXXX   balance! I sent them a written letter the first week of XX/XX/XXXX stating that the service charge was a result of them not closing the account and asked again for the account to be closed. 

On XX/XX/XXXX, I received a letter from them saying they could not close the account because it had a {$10.00} balance. I am now writing them again to ask them to get rid of the service charge and close this account. 

Please note that they have performed many activities which do not seem to be legal : 1.  Opened up an unnecessary account for no valid reason 2. Would not allow the account to be closed 3. Charged a {$10.00} fee on this account.
Consumer complaint received 2018-04-28
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. (GA)

I HAVE A LOT OF INACCURATE INFORMATION ON MY CREDIT REPORT. SOMEONE ELSE IS USING MY IDENTY TO OBTAIN CREDIT. 
THIS INQUIRIES ARE UNAURTHORIZED AND CAUSING ME GREAT HARM AND ANXIETY TO SAY THE LEAST. 
XXXX XXXX XXXX XXXX ON THERE TWICE XXXX XXXXXXXX THESE ARE THE CREDIT ITEMS THAT HAVE BEEN OBVIOUSLY ISSUED AND USED UNDER MY SS # CAPITAL XXXX XXXX XXXX XXXX ACCOUNT # XXXX ANOTHER : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX IXXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS IS AN ACCOUNT THAT BELONGS TO ME FOR A CAR THAT WAS TOTALED BUT THE GAP INSURANCE PAID IT OFF. THEY ALSO SENT THIS TO A COLLECTION AGENGY THAT REPORTING NEGATIVELY ON ME. 
XXXX ACCOUNT # XXXX THIS IS NOT MY ACCOUNT XXXX XXXX ACCOUNT # XXXX IS REPORTING THAT THIS ACCOUNT WAS PAID LATE AND THIS IS INACCURATE I JUST GOT THE CAR.
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XXXX purchased tickets for XXXX world cup through XXXX in the amount of {$1200.00} XXXX found out that XXXX has issued warnings against XXXX, declaring the merchant an unauthorized seller and warning people that they will not XXXX ticket holders into the stadium. XXXX has filed a criminal complaint in a XXXX court, declaring the tickets " illegal '' and " illicit '' XXXX as soon as I found out, I contacted the bank to cease the transaction and did not resell the tickets because of the illicit nature of the tickets XXXX - XX/XX/XXXX asked XXXX for refund and for them to not send me the tickets. They aggressively continued insisting and passed along my information to the sellers who contacted me personally. ( I or the airbnb host in XXXX XXXX never received the tickets. ) XX/XX/XXXX Purchased ticket through XXXX and through a friend in XXXX XX/XX/XXXX sent relevant information to bank including XXXX 's statement that it has filed a criminal complaint against XXXX. Also sent along consumer reviews in XXXX about XXXX 's shady practices as well as British gov inquiries into said practices XX/XX/XXXX Bank of America denies request without providing further information. After calling them, they said they  did not have receipt. I resend. 

XXXX bank says they could not identify " billion error '' but that they would have issue a partial refund until more information from merchant XX/XX/XXXX After refund was withdrawn, I calling bank, which said that they would not accept press releases and that they need a specific letter XXXX that the specific transaction would not be authorized XXXX XXXX refuses request XXXX I reply to XXXX saying that all I need is a letter declaring their policy and that they would not have let me into the stadium with a Viagogo ticket XXXX After not getting results via phone, contacted XXXX via form again, again requesting a simple letter that they would not have me into a stadium with a ticket from XXXX. 

XXXX I find out through a call with the bank that the case should have been investigated through fraud, not billing error. Representative says bank will re-open XX/XX/XXXX Bank of America says that they could not find " billing error, '' when the representative phone told me that the investigation would be one about " fraud. '' Bank tells me it has notified  credit institutions about my complaint. 

XX/XX/XXXX XXXX responds with the same generic message
Consumer complaint received 2019-04-23
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. (CA)

Equifax and Transunion are reporting an incorrect coding of the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This account needs to coded as an XXXX. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

We took out a mortgage with XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX it was purchased by XXXX XXXX and the alleged servicers have denied this fact so they have committed fraud on the Court and violated FDCPA, RESPA, TILA, FAC, etc. 

We have requested further information regarding the CANCELLED NOTE and they have yet to provide it so we have contacted the FBI to investigate. 

We have an automatic stay in place with the XXXX XXXX and have filed for an Order to Show Cause ( OSC ) why the Servicers and Trustees are not in contempt of Court for violating the automatic stay and have repeated that we want all the documentation regarding this loan including the CANCELLED NOTE as soon as possible.
Consumer complaint received 2022-07-24
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (NY)

I called the number and told the person who answered to " stop calling this private cell number, is that understood ''. They seemed to know the number who was calling and asked if I was a certain person. I repeated myself thrice. Each time they'd refuse to stop calling and ask if I was a certain person. My name is XXXX, not the mans name they're trying to reach.