davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX CA,XXXX-XXXX  ; XXXX XXXX XXXX  XXXX CA,XXXXXXXX  XXXX XXXX XXXX XXXX  XXXX CA,XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX CA,XXXX  ; XXXX XXXX  XXXX XXXX Balance : - ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  XXXX  Inquiry : XXXX XXXX, 2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 Section 602 A. States : I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 States : A consumer reporting agency can not furnish an account without my written instructions. I never gave my written consent for the furnishing of any of these accounts and I have a right to privacy. I have asked for investigation results and proof that the accounts in question are valid multiple times and have received no such proof. This is a request for an investigative consumer report, which means a consumer report or portion thereof in which information on my character, general reputation, personal characteristics, or mode of living must be obtained through personal interviews with neighbors, friends or associates. The accounts must be permanently deleted if they are not 100 percent correct and accurate. Please investigate these accounts. Please provide proof that they are 100 % correct. Please do not send me results again saying they are valid without proof of validity. I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Please provide proof that you have conducted interviews with my neighbors, friends and associates on my general character, general reputation, personal characteristics, or mode of living. Absent such proof, you must immediately and permanently delete the accounts in question. Please stop violating my rights to a true and thorough investigation.
Consumer complaint received 2022-07-12
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$500.00}
Consumer complaint received 2023-07-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-10-11
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. (AL)

In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Pacer Record type Bankruptcy XXXX XXXX-discharged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy. 

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( 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 instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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 2022-10-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, RI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX : {$5400.00}
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2022-10-11
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. (NJ)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX BANK XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}, If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2024-03-07
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. (FL)

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had one late payment on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). I'm now requesting for you to investigate and provide verifiable proof with records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2022-10-11
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I filed an identity theft report through the FTC. I then provided said report to all three credit monitoring agencies with the request to remove all accounts marked as fraud and identity theft. Equifax has removed 3 fraudulent account but refuses to remove the remaining two fraudulent accounts from my credit report stating that that is their company policy. The accounts in question are XXXX and XXXX XXXX.
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

SUBJECT : SURPLUS ESCROW ACCOUNT WITH MY MORTGAGE COMPANY, ( MR. COOPER dba Nationstar Mortgage, LLC ) Around the first of XXXX, 2022, I checked the Mr.Cooper.com website, and found out that I had an " Escrow Surplus '' in my account. The website stated that this escrow surplus, in the amount of {$1500.00} would be mailed to me on XXXX XXXX. It is now XXXX XXXX, and I have not received the escrow surplus check, ( but, I have received other literature from them regarding refinancing, etc. ). On XX/XX/2022, I spoke with representative XXXX ( because I still hadn't received the check ), and she said to call back the morning of ( XX/XX/2022 ), if I hadn't received the check. I did call back, and I spoke with XXXX. XXXX stated that I should get the check by XX/XX/2022. At this point, I feel like I'm getting the run-around ( especially so since I've gotten other literature from them in a timely manner ). It's my understanding that it is illegal for a mortgage company to retain a surplus escrow, but my mortgage company, Mr. Cooper, is doing just that. 

CFPB, your assistance in helping me is appreciated. 

Thank you, XXXX XXXX, ( Loan Number XXXX )
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (MS)

Regions and their overdraft fees have been beyond ridiculous. They have been doing it for years. There has been several times we have wondered why they have been taking so much. Its out of hand. I did read where regions was getting sued for this. We had one account, then closed it and opened another account with them. So far no fees with the new account, but our other account it was continuous.
Consumer complaint received 2022-02-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (KS)

Beginning in XXXX, I began receiving phone calls from debt collectors attempting to collect a debt from " XXXX XXXX ''. No matter how many times I told these debt collectors I am not and have never been XXXX XXXX they continue to call about my student loans owed to XXXX  XXXX University, which I have never attended. I even received certified mail from XXXX  XXXX University discussing the amount that I owe and that I am delinquent. I returned the mail that came to my personal address back to the post office and explained the situation. I also contacted XXXX XXXXXXXX University and explained the situation. They assured me that it would be taken care off, however, the calls for debt collections continue. They have called my brother and my mother and have been demanding and act like my family members are lying to them about my never being XXXX XXXX. I did an internet search and learned that my phone number and address, somehow, were put in association with this XXXX XXXX. I contacted white pages and advised them that their information is inaccurate, although i'm not sure how many other places have that same incorrect information. I work for a police department, and the assistant chief has an open identity theft case from XXXX of XXXX after I knew the calls to my family and I were not going to stop. The officer that has the open case spoke with XXXX  XXXX University and a couple of the credit " outsourcers '' about clearing my number from their records because I am not XXXX XXXX and I have never attended XXXX  XXXX University. As of XX/XX/XXXX, I am still receiving harassing phone calls from outsourced debt collectors looking for XXXX XXXX and no matter how many times I request to be taken off of their lists and that I am not who they are looking for, they continue to call. They continue to treat me as though I am lying to them about my identity, and they still continue to call my family. I have done everything I know how to do at this point, and the calls will not stop. The outsourcers also can not give me any information on how my number and address came to be associated with XXXX XXXX, because I don't even know who she is. I'm not sure what else to do at this point, but every incident gets reported to the officer that is working my case. Maybe this report will help as well.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am writing to address a matter that requires urgent attention and resolution. On XX/XX/XXXX, an investigation was initiated within the XXXX XXXX XXXX, during which my personal information was accessed from credit bureaus without obtaining my written consent or any form of authorization. This occurrence is deeply concerning and raises serious privacy and legal issues. 

Under the framework of the Fair Credit Reporting Act ( 15 USC 1681 ), it is unequivocally stated in section 602 ( a ) that consumer reporting agencies must conduct their responsibilities with fairness, impartiality, and utmost respect for the privacy rights of consumers. I firmly believe that XXXX, Equifax, and XXXX, as consumer reporting agencies, are bound by this principle. As the consumer, I hold the right to safeguard my private information, as further reinforced by 15 USC 6801, which emphasizes the obligation of financial institutions to respect customer privacy and confidentiality. 

It is crucial to highlight that, as defined by the statute, a " Furnisher of information to credit agencies '' falls within the ambit of a financial institution. According to 15 USC 1681, section 604 ( a ) ( 2 ), a consumer report can be provided only with the explicit written instructions of the consumer to whom it pertains. I would like to emphasize that neither Equifax, XXXX, nor XXXX has procured my consent to disseminate this information, whether through verbal, non-verbal, written, implied, or any other means. Thus, I hereby revoke any and all consent that may have existed, thereby withdrawing any authorization they might have presumed to have.

Furthermore, 15 USC 6802 ( b ) ( c ) explicitly states that Credit Bureaus are prohibited from disclosing nonpublic personal information to any nonaffiliated third party unless the consumer has been informed of their right to restrict such disclosures. Regrettably, I was completely unaware of this investigation until after its conclusion, which directly contradicts both the policy and intent of the Privacy Act of 1974.

I appreciate your immediate attention to this matter and your commitment to resolving this issue in a fair and just manner.
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (UT)

" NEW ISSUE '' I have completed papers in XXXX District Court in XXXX XXXX XXXX and called Barclay and asked how to serve them papers from the courthouse the Barclay representative gave me a PO Box that doesn't reflect their registered agent office so I can't mail them. I am seeking litigation for violations for neglience under the Fair Credit Billing Act and Truth in lending acts and not honoring police reports in XXXX district court in XXXX for damaging my credit reports and not being able to move due to this and my safety been jeopardized due to criminals knowing where I live.
Consumer complaint received 2022-12-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

For almost a year now I've been in contact with the credit bureaus about inaccurate items that have been reported to my credit profile. It has left me with a tremendous amount of stress due to the fact that I can't get approved for what I need to get approved for. They are in violation according to Congress and I am ready to file for litigation if necessary. The accounts are unauthorized, and I didn't approve of the accounts. I need these accounts removed immediately. It's been over 45 days when I suppose to have heard from them in XXXX.
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.