davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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. (TX)

Please block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING, and send the required notifications to all furnishers of this information I have not initiated any transaction with, that obtained your credit report ]. Further, under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, ( 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 a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ). 
As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees. 15 U.S.C. 1681n ( a ). 
Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
Fair Credit Reporting Act Section 605B
Consumer complaint received 2022-07-11
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. (SC)

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My SSN was in the Equifax breech and XXXX XXXX Breech and my credit has Been ruined ever Since I always had good credit and now I cant even get a bank account or A XXXX pack of gum!!! Please help without credit in American you cant do XXXX buy a house Car nothing please help, Who do I ask for a CPN?
Consumer complaint received 2022-07-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I had a loan with XXXX and even after I lost my job as of XX/XX/XXXX and still was making my payments on time to them and there were no late payments during this time at all even though they reported me late several times and still are with regards to my 3 credit reports. 

The vehicle was totaled as of XX/XX/XXXX and XXXX received a payment from XXXX XXXX XXXX in the amount of {$16.00}, XXXX. The balance on my credit reports needs to be updated to reflect {$0.00} ASAP along with all the points returned to me that I lost as a result of the derogatory info. being reported and affecting me negatively. 

XXXX is also currently under investigation with XXXX regarding this matter as well and I have not heard anything from XXXX regarding this matter or the check that was received as a result of this matter the case number is XXXX.
Consumer complaint received 2022-09-02
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. (AZ)

XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX provided statements, but no signed contract between XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY (NY)

In XXXX I opened a TD BANK checking account ( AC # is attached to a picture ) in the Town/ City of XXXX XXXX , NY . I worked in the area for the summer and it was the closest bank to where I lived, about a XXXX - XXXX minute walk to be exact. I got my account on XX/XX/XXXX ( I will attach images to prove this fact ), and I got a checking account as well as a savings account with them. About a year passed while in XXXX I saw that there was a hold on my account and I could not get to use my debit card or use my XXXX account and I don't have access to my login anymore either, I called the bank and they said I had to come into the branch to get the issue sorted out. I kindly informed them that would be impossible for me because of the whole covid 19 pandemic I was not able to travel. They were adamant that I need to physically come into the branch to fix to issue. Fast forward to XXXX when I finally get back a chance to come to the USA, I immediately go to visit the TD bank branch I had signed up in XXXX, and to my surprise, the bank was not there anymore they had discontinued that branch. So I went to go visit the TD banks in XXXX and XXXX. Both branches told me that my account was closed out. So I ask them where the money was that was in my account. I had a total of approximately {$4000.00} USD in my accounts the last time a checked before they locked me out. {$2000.00} in checking and {$2000.00} in savings. They told me that I should have gotten a check mailed to my address on file and when I informed them I did not receive a check they are giving me a number to call ( XXXX ) XXXX saying that's the demarketing department when I call the number it brings me to an automated voice system that takes your message, promises to call back in 2 days and never does ..when I return to the branches informing them that nothing happens when I call the number and that I need help to get my money back they are telling me there is nothing they can do so at this point I think TD bank stole my money.
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Account numbers XXXX, and 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 2022-07-11
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. (NC)

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00}
Consumer complaint received 2022-08-26
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. (NY)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXXXXXX XXXX, DOE XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, and US DEPT ED XXXX have violated my rights XXXX 

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 an account without my written instructions.
Consumer complaint received 2022-04-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX the following accounts : XXXX XXXX XXXX XXXX Account number XXXX Date XXXX, XXXX XXXX XXXX, XXXX. 
XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date : XX/XX/XXXX the following above accounts has violated my rights. 

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 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 2022-07-11
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$470.00} ), XXXX XXXX  ED/XXXX ( Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX ( Date opened XX/XX/XXXX, Credit limit {$2000.00} ), XXXXXXXX XXXX  ( Date opened XX/XX/XXXX, Credit limit {$2800.00} ), XXXX ( Date opened XX/XX/XXXX, Credit limit {$300.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Hello, so in 2021 the PPP Wave  was going around and me being a business in real life I wanted to get one for my business funds because Im young and coronavirus had really came and messed up my money flow and I knew that would help me get back to where I wanted to be in life. So I paid someone to do the loan for me and I was approved for XXXX. I had just received the loan in XXXX I had not spent too much of it and I had just got everything together I had got it transferred into my personal bank account because I had just got all my stuff together and I didnt have my business account routing number and stuff so I got it deposited into my personal and I was going to move it into my business account because I was going to spend stuff on my business card FOR MY BUSINESS. And the other bank was so slow opening up my business account waiting on documents they finally opened it in XXXX!! It had been a whole month tho since and my money was still in my capital one account. But on XX/XX/2021 I went to the bank to get a {$100.00} out the atm for my moms XXXX XXXX XXXX and the teller lady started going through my deposits snooping while I was at the window waiting and started asking questions about my deposit, she then locks my account, Ive talked to 100 people since then about getting the account unlocked Ive sent trade name documents in and everything I received a case number but still no help my loan is also forgiven the money is jus sitting in my capital one account which is still open collecting interest I think they just want to collect interest because its been almost a year and they still holding on to money that belongs to me & its forgiven by the XXXX. So its just free game and I need it, please help me get it back.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RS Clark and Associates, Inc. (GA)

DUE TO THAT XXXX XXXX XXXX THE BANKRUPTSY BEING ON THERE LONGER THAN IT SHOULD, I HAVE NOW GOTTEN THE LETTER OF DENIAL FOR SCHOOL LOANS ... .IM VERY UPSET! ATTATCHED ARE THE PROOF OF LETTERS XXXX DDENIAL FROM XXXX XXXX XXXX XXXX WHERE I BANK AT BUT THEY DENIED ME AS WELL FOR A LOAN FOR SCHOOL AND A CREDIT STUDENT CARD. EVEN I GOT DENIED BY COLLEGE AVE. LOAN!
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The list of incorrect information was unknown and erroneous. The information were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following information 's be corrected and removed accordingly. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date Updated XXXX XX/XX/XXXX
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've been trying repeatedly to get this incorrect info off of my credit report. Please investigate the date of last activity. Please only respond to me through CFPB portal. Communication by any other means will be considered harassment.
Consumer complaint received 2022-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I received a written job offer and XXXX form from XXXX XXXX. On XX/XX/XXXX I received a check ( {$2200.00} ) from this company to deposit to purchase " software '' from their " vendors '' that I need to do the job. On XX/XX/XXXX I received another check ( {$3400.00} ) to purchase software. I deposited those checks and sent money to " vendors '' ( {$1700.00} ) to a person named XXXX XXXX, via XXXX. On XX/XX/XXXX I sent {$500.00} via XXXX XXXX to a XXXX XXXX ( another " vendor '' ), phone number ( XXXX ) XXXX, email XXXX. It turns out this was ALL A SCAM, THE CHECKS WERE FRAUDULENT and all of my personal funds were taken as well. Wells Fargo allowed the {$2200.00} check to be available, NOT ME. Now I'm being told that I owe them that money and they are harassing and coercing me telling me they are going to put me on the blacklist for banks and also they will run my credit ( harassment and coercion ). I have had no money since XX/XX/XXXX. The person who was giving me all this information was a XXXX XXXX ( via XXXX ). The person who sent me the job offer was XXXX XXXX at XXXX XXXX. I NEED HELP!
Consumer complaint received 2022-04-25
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-11
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: EQUIFAX, INC. (PA)

Hello my name is XXXX XXXX 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 commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
These items are effecting my ability to purchase a home.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I thoroughly observed my credit report recently and noticed my personal information was inaccurate. I sent letters out to the XXXX credit reporting agencies asking that they update my personal information. I sent my first round of request out XX/XX/2022 and the second round request XX/XX/2022. I have yet to receive any type of correspondence from any of the credit reporting agencies. I asked if they would only provide my current address and remove all other non applicable addresses as well as phone numbers, employment and the way my social security number is displayed on my report.
Consumer complaint received 2022-02-14
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-25
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. (OK)

On XX/XX/22 I sent a certified letter to all XXXX credit bureaus about each collection agency listed on my credit report asking for validation of the debt and the method of validation along with my wet signature on the original contract of the said company where I agreed that my information could be sold or given to the credit collection agency. The first time around the only thing I got was a notification that the credit collection agencies met the required FRCA rules and an updated credit report. 

On XX/XX/22 I sent another certified letter to each credit bureau again about the same collection agencies listed asking again for validation of the debt, the method of validation and my wet signature on the original contract. 

None of the disputed accounts have been fully validated and the information I requested has not been presented. I asked that the accounts be deleted if they were not able to verify the accounts properly. This has not been done.
Consumer complaint received 2022-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (CA)

I have a loan/ savings account with Seedfi and am now paid off on the loan portion of it. The rest of the life of the account requires me to pay {$100.00} every two weeks which goes into a savings account through their company that I would have access to once I have contributed {$2500.00} total. According to the app I have a {$300.00} credit towards this savings account so far. I asked to have them close the account since I can no longer afford to put this money aside to " save '' and not have access to at all and they are refusing. I have asked 7 times now. They state the " only '' way to close the account is to pay the entire savings amount and then they release my own money back to me. It is getting negatively reported to the credit bureaus. They refused to close the account which also has a section on their loan agreement on section XXXX which allows me to close it at any time, and I stopped making payments because I can't afford them any longer so is there anything I can do to get around this? I have requested to have the account closed over 7 times from them in writing and get the same answer ... I have to " pay it in full '' even though I'm technically paying to myself in the long run and the loan portion is paid off. Thank you!
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX XXXX XXXX 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.