davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-01-05
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. (CA)

There are items on my XXXX report that are not accurate and is preventing me from having a XXXX FICO score. The following include : 1. Negative Account Information : XXXX XXXX that dates back to 1987.  This should have been removed from my profile. 

2. I have been borrowing money for the last 30 years with the bulk of the borrowing coming in the last 5 years and still events from 30 years ago are factored into the FICO score.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX and Experian refuse to place fraud alerts on my credit bureau accounts and freeze all inquirees and attempts to gain credit. I had alerts on all 3 to freeze my reports and apparently someone figured out a way to ignore that. 

Today I received word that there have been fraudulent attempts to apply for credit in my name at both XXXX and Experian. 

I received notices from both XXXX XXXX and https : //opm.gov/cybersecurity that my identity was being compromised. I called one of the banks listed on the XXXX and found it was XXXX. I talked to XXXX in the XXXX fraud department reference number XXXX. They had a hard inquiry that someone attempted in my name. They deleted the record and reported the fraud to XXXX They said they would send me a letter and that I should hear from XXXX in 30 to 60 days. XXXX refuses to take my calls and refuses to authenticate me online! 

Today XXXX notified me of 2 fraud attempts to gain credit on Experian. Same problem contacting them. info below : -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX Not sure what this is? Contact XXXX -- -- -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone BYMAILONLY Address XXXX XXXX XXXX XXXX, OH XXXX Company XXXX Not sure what this is? Contact XXXX Please make all three credit bureaus ock my reports for 7 years! OPM notified me over a year ago that they had compromised military and civilian data to include mine. Clearly I am now a Identity Theft Victim.
Consumer complaint received 2022-04-01
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OFEDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I received my Wells Fargo Class action settlement claimant number. 
On XX/XX/XXXX, I was notified I could then file my claim online via their website www.wfsettlement.com using the code I had received previously. When I visited their site and entered my claimant number and ( email address or/and last 4 of SS # ), and Captcha, the site either rejected my request either because of the captcha or because of the information entered. This rejection alternated rather randomly, despite the same information being entered ( only the captcha changed ).  It really seems like their site does not work for claiming the settlement money.
Consumer complaint received 2022-08-11
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. (TX)

In accordance with the Fair Credit Reporting Act 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 Sections 604 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C. 166b A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any reason. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-03-24
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)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 

XXXXPlease provide a breakdown of fees including any collection costs and charges, XXXX a copy of my signature with the provider of service to release my informationto you and XXXX XXXXCease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency My correct name is XXXX XXXX, please delete these variations of my name : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, I currently live at : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, these other addresses I have never lived at or may belong to a relative and should be deleted : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX COURT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My telephone number is ( XXXX ) XXXX and I have never had any of these numbers listed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The following accounts need to be deleted/removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SERVICES, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, 15 USC 1681 section 602 A states I have the rights for privacy, 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/2020.
Consumer complaint received 2017-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALCHRO INC. (FL)

I recently pulled a credit report and saw that XXXX XXXX XXXX XXXX XXXX is reporting to be collecting on an alleged debt. After research, I am unable to find a licence in the state of Florida on the Florida office of Financial Regulations  website. How are they legally entitled to collect on the debt?
Consumer complaint received 2023-07-21
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. (MA)

I am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from Equifax to date. The following are the details of the disputed accounts and the required corrections : XXXX. Account Name : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Original Creditor : COLLECTION XXXX. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Original Creditor : COLLECTION I assert that the above-mentioned accounts are not mine, and their presence on my credit report is inaccurate and unjust. I dispute the reported balances and past due amounts, particularly for accounts that are closed and charged-off. These inaccuracies have had a detrimental impact on my credit score and financial reputation, causing significant harm to my creditworthiness. 

I also found inaccurate information in my credit report for the account identified as XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} ). I recall having a lower Balance than {$5900.00} on this account. Moreover, the Past Due amount shouldn't be reported for this account as it is closed and charged-off. I request Equifax to mark this account as disputed while I resolve my dispute with the creditor and verify the Date Opened, Date of Status, and First Reported.
Consumer complaint received 2022-04-01
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. (FL)

In accordance with the Fair Credit Reporting Act and XXXX  XXXX XXXX XXXX  : XXXX has violated my rights, 15 USC 1681 section 602 A states I have the rights for privacy, 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/2020.
Consumer complaint received 2018-01-05
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. (VA)

Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : XXXX. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. 

Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX  without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. 

Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and XXXX XXXX started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.
Consumer complaint received 2021-02-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BTH Management (GA)

I pulled my credit report from XXXX XXXX and an unauthorized entry from PLAZA SERVICES collecting on behalf of, XXXX XXXX  XXXX in the amount of {$1300.00}. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2020. PLAZA SERVICES has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 and no response. Due to the lack of communication, I then contacting XXXX XXXX regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
Consumer complaint received 2019-11-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (AL)

I offered to pay {$10.00} or {$20.00} to my bill I told the lady at XXXX XXXX XXXX that I couldnt pay {$50.00} every week on my bill and she got an attitude and told me if I didnt my credit would be ruined and she was very rude
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MI)

Citibank Credit Card account numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Remove consumer statement Both my Citibank cards have a consumer statement attached which are incorrect I am in the process of closing a large home loan near {$300000.00} The only hitch is both my citibank accounts are reporting as being in dispute. I called Citibank explained the urgency, informed them the account was not in dispute, as I currently use the accounts and make my monthly payments timely. The agent informed me to fax a letter requesting to remove the dispute immediately, but also stated this could take 30 days. I do not have 30 days. The consumer statement is not accurate I am asking for that statement to be removed immediately. 
I have attached : 1 ) the letter I faxed to Citibank 2 ) Page of my credit report showing the 2 Citibanks credit cards with Consumer Statements
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b . Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNT were NEVER late and should be listed as PAYS or PAID AS AGREED.
Consumer complaint received 2021-03-24
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. (TX)

This company is in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C. 
1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ).

I have not initiated any transaction with Advantage Credit Inc. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX. for review or collection.
Consumer complaint received 2018-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have unauthorized inquiries from:-XXXX XXXX - XXXX-XXXX- XXXX XXXXI have never applied , given or authorized my information or credit to be run by these companies. I don't recognize them at all.Besides the inquiries I also have 2 late payments from XXXX  XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late . The balances are paid off at the moment.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$680.00} collection XXXX XXXX Date opened XX/XX/XXXX Balance {$680.00} collection