davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-10
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. (NY)

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 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-07-19
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. (NJ)

so as CFPB already know I had fraud accounts opened in my name got most of it cleared away and I decided I wanted to go to XXXX XXXX XXXX and apply for a store card now back in XXXX I applied and told I was approved and wait 7-10 business days. in that wait I received a letter stating was denied because of delinquent XXXX XXXX accounts I went back and forth on the phone for 3 months. Prior to that I was told by a manager that I was all cleared to apply again which I did while she was on the phone told me I was guaranteed approval now I got the same 7-10, letter came and it said the same thing ... called back-office corporate everybody I spoke to 50 people in 10 different departments all told me everything was cleared and made me run my name but now im stuck with 3 XXXX XXXX inquires and no card or approval.
Consumer complaint received 2020-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Ria Envia, LLC (TX)

On XX/XX/XXXX and XXXX of 2020 a particular individual whom I know charged money fraudulently to my debit card, by utilizing Walmart to Walmart. This individual may have been responsible for several other Walmart to Walmart transactions as well as XXXX  transactions that were not authorized by myself. withdrew money several times for amounts totaling over XXXX. She then sent a payment to an individual out of town, by using XXXX to XXXX on XXXX XXXX XXXX at XXXX XXXX, located in XXXX Texas. XXXX  charges were also charged to my debit card. All these charges were acquired on XX/XX/XXXX and XXXX of 2020. I currently collect unemployment. I have had to dispute several transactions behind this/these fraudulent individuals.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX ...., has violated my rights XXXX  XXXX XXXX ...., Has violated my rights XXXX XXXXXXXX XXXX ...., Has Violated my rights XXXX XXXX XXXX ... .., Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer report as late for any purpose.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

Mobile Deposit check on XX/XX/2022 wells fargo put a hold on it until XX/XX/2022 made scheduled payments for bills to come out. I noticed on XX/XX/XXXX funds were not in my account called the bank they transferred me to the loss prevention department they told me that the check could not be verified and is now being held for fraud that was reason one. I got disconnected called back was told a different reason this time that unusual activity was coming from the issuers bank account. So at this point the person who wrote me the check ( girlfriend ) called her bank and was told that the money was withdrew from her account two days before XX/XX/2022 and that wells fargo does not know what they are doing. I then called wells fargo on XX/XX/2022 and they told me absolutely something different after telling them we verified with the issuers bank they responded with ( not going to release it until the new extension date XX/XX/2022 ) i asked why again i have bills to pay they said because we believe your trying to cash a check fraudulently. I went down to the local branch with the issuer showed the branch manager and they were at loss of words and didnt know how to help me. I am fully exhausted with this bank and now im going to have my bills late and occur late fees and items will show late on my credit report all because wells fargo messed up there way the hold deposits and lying about it ....
Consumer complaint received 2023-01-19
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 discovered that some of the items on my credit report were incorrect when I reviewed them. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (FL)

On XX/XX/2021, I went to XXXX XXXX on XXXX XXXX in XXXX XXXX FL and purchased a refrigerator. I did not have enough money to purchase the refrigerator outright and they offered me a financing option. I completed my information on a small tablet and typed my signature. The clerk at the store told if I paid it off in three months, I would save allot of money. She said they send you a notification when you are close to the three-month window so that you dont miss it. The company was Acima acct number # XXXX I didnt receive any correspondence from the company ACIMA except for the day I made my purchase in XX/XX/2021. I made myself a note to pay off my account within the three-month period- I tried to pay it off on-line. It would not allow me to do it. It kept saying I had to pay a much higher amount. I called them and was on-hold for an hour. I was finally able to get someone on the phone and she told me I was 4 days over my ability to pay off my account for {$1500.00}. They said my payoff was a little over {$2000.00}. The representative said that they sent me a notification 10 days prior to the cash price payment expiration date. I checked my email and spam. I did not receive anything. I did not receive any mail. I asked if they would make an exception for the 4 days and allow me to pay off my refrigerator. She said there were no exceptions. I explained that this would be a hardship for me to pay over {$2000.00} in finance fees on top of the purchase price of XXXX. In just 12 months. When she said no, they would not make an exception, I told her I wanted to return my merchandise. I could buy a new refrigerator for less than the payoff price they were asking. They did not come and pick up my refrigerator. I sent them an email asking them if they were going to do that and what was the process. I have made several calls and sent 4 emails. I had gotten a response a few days ago telling me I had to call to have it picked up. They are clearly giving me the runaround. They also said I must pay the {$900.00} that they are owed before they will pick it up now. I need help. I dont understand what I have gotten myself into
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-08
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. (PA)

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 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XXXX. All the credit report companies Equifax, XXXX and XXXX are all reporting late payments on my credit report. 
XXXX All the credit report companies are reporting hard enquiries without my authorization.
Consumer complaint received 2023-03-08
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-08
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (LA)

On or about XXXX XXXX XXXX  I applied for a Navy Federal Credit Union CashRewards VISA card with NFCU. I received a denial letter stating reasons I was denied ( Denial Letter Attached ). I then mailed NFCU an adverse action letter addressing the denial ( Letter Attached ), in which I received no response from the financial institution. I do believe in fact that I was discriminated against. I would like NFCU to understand that I am aware of how Financial Institutions do business in commerce. I would like NFCU to promptly mail me back my application ( # XXXX ). If they can not mail me the original application, then they have violated my consumer rights. I know my rights and quit a few laws that protect those rights. I understand that my signature creates the security collateral in ANY consumer credit transaction. 

It is a fact, I am aware, that the term credit means the right granted by I, the original creditor, to a debtor NFCU to defer payment of the debt or to NFCU to incur debt or a loan from the US Treasury and defer its payment. This makes NFCU ( 12 U.S, C. 1431 } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to me, at the time of the transaction. I, the cunsumer came to extend credit and not receive a loan from the U.S. Treasury. NFCU 's lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by NFCU. I am aware that although I was told I was denied, the application was still deposited into the Federal Reserve Bank for notes. The Federal Reserve Act Section 16 parts 1 and 2 expresses this fact. 

I am also aware, in accordance with the term creditor in subsection 1602 ( g ), pursuant to 15 U.S. Code 1602 ( i ) a consumer in reference to a credit transaction is the party whose credit is extended from is a natural person and the subject of the consumer credit transaction is primarily for personal, family, or household purposes. 

Furthermore, I am aware that my social security card is a credit card pursuant to 15 U.S.C 1602 ( l ) as any card, plate, coupon book or other credit device. Existing for the purpose of obtaining money, property, labor, or services on credit. 

I am also aware that the unlawful use of a credit card such as ( Social Security Card ) under 15 U.S.C. 1602 ( l ) by a organization or person other than the card holder who does not have actual, implied, or apparent authority for such use and from which the cardholder ( me ) receives no benefit equals unauthorized use pursuant to 15 U.S.C 1602 ( p ). 

I am a long standing member of this Financial Institution and I am very disappointed.
Consumer complaint received 2022-09-27
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: Self Financial Inc. (NJ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681 section604 a section 2 it almost states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late or any purpose.
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, as I was getting ready for my wedding, I received a call from a number that came up Chase on caller ID. I answered it and a lady told me that she was from Chase. Presented me with her " credentials '' and claimed that someone gained access to my bank account and was sending money through XXXX. The lady had my full name, address and Social security number. Being it was my wedding I wanted to get this straightened up since I was leaving for my Honeymoon the next day. The lady walked me through the process of unenrolling from XXXX. I filled out my name and number and all that. By the end of the call the lady drained my bank account to XXXX. I had a lot on my mind so I was just trying to get this taken care of. After I realized what happened I called Chase immediately and filed a claim with them. They said the investigation would take up to ten business day, no credit or anything from Chase. The ten days went by and I have yet to see the money from Chase. So I called on the XX/XX/21 which was the XXXX business day and after waiting on hold for an hour and being transferred around a couple of times they told me that they denied the claim. I didn't agree with this so I asked to talk to an account manager. I went through the whole thing again that I explained to them two weeks prior and she told me that they filed the claim as Fraud and not as a scam. They resubmitted the claim on XX/XX/21 and it was another ten business day wait. I called on the XXXX day ( XX/XX/21 ) just to get an update and the guy on the phone said that XXXX was going to send the money back by the XX/XX/XXXX. That day came and went so I called Chase on the XXXX business day ( XX/XX/21 ) to see what was going on and they told me that the claim was denied and the only thing they could do was suspend the XXXX user that my {$1000.00} went to but I would not be getting reimbursed for anything. It has been a month since this happened and I haven't gotten a XX/XX/XXXX back from chase.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (AZ)

I recently reviewed my credit report and found unauthorized inquiries done ALL the same exact day! 

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

some gave me the run around over the phone because they couldn't find anything so they kept switching me to multiple department and no one could help me figure out why they pulled my credit without my consent, nor could give a proper answer. 

Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete it. 

here are the inquiries to immediately remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX / XX/XX/2023 I also mail certified with return receipt the dispute to the credit bureau Experian who's reporting this wrongfully enclosed a copy
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is 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.