davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

My response from TD bank regarding case Complaint # XXXX was not in good faith. 

TD bank claims that they tried to recall the wire twice but when I reached out to the receiving bank, they did not have a record of this. Hence, I have emailed XXXX XXXX and XXXX XXXX at TD bank multiple times and asked for the swift copy and the reference numbers for when they made the recall but have been ignored. 

I have also spoke to the branch multiple times but no one has mentioned about fraud intake claim. Please advise on how I can file this process and proceed. 

In addition, your employees could have asked questions that are common practice in other banks such as Is anyone instructing you to make this wire as we have experienced wire frauds to easily prevent these type of incidents. Despite that, TD bank has no measurement in place and facilitates such crimes as a part of their business.
Consumer complaint received 2023-01-05
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. (CA)

On XX/XX/2022 I sent a letter regarding an accurate 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 XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 To Whom This May Concern : I writing to you to request that you update and correct the personal information section of my credit report.

I will remind you that pursuant to 15 USC 1681 ( a ) ( 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. Also pursuant to 15 USC 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

18 USC 1028 ( a ) ( 1 ) also states that Whoever, in a circumstance described in subsection ( c ) of this section knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; It is not only the creditors responsibility, but yours, to report only true and accurate information. I have updated my personal information will all the creditors listed on my report and if they are still reporting anything other than the information listed below, then they are not reporting accurate information and I demand that you delete their reports from my file.

Further, the following erroneous information is still listed on my report and since you are required to report only true and accurate information, this will be my final request for you to correct the information before I file a complaint and possible initiate legal action. Please delete the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will look forward to your response. Please include a copy of my updated report to reflect the changes you make. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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. (CA)

On XX/XX/2022 I sent a letter regarding an accurate 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. ''
Consumer complaint received 2023-01-05
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. (GA)

I revisited my credit file and to my dismay, I see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you guys to perform a logical investigation on these accounts.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

Hi I tried to open a credit card with XXXX through Chase on XX/XX/2022. I never heard back from them, no email no letter in the mail - NOTHING. I called them today on XX/XX/XXXX to see what was going on. The first person I spoke with found my application after I gave my social and address ( XXXX XXXX XXXX XXXX VA XXXX ) and said it was not reviewed before 30 days so it was denied. He mentioned something about the holidays, essentially saying they didn't have time to review it and to apply again. I asked why I was not notified and if there was another reason it was denied because I'm not going to run my credit again if the issue is their lack of staff or time to review my perfectly good application. He said there was no other reason listed and since its past 30 days there's nothing he can do. He was not sure why I did not get a letter but said he would pass me on to another department to figure it out. 

The next person I spoke to took my social and said nothing came up and that I didnt have an application. I said that's not possible because I JUST spoke with someone who found it. She asked me when I applied and I told her XX/XX/2022 so I know it's past 30 days. She said oh that's why it's been denied its too old. And I said I know that, I'm trying to understand why I was not notified sooner after you ran my credit and gave me no chance to answer questions or correct any errors. She put me on hold twice to find out and came back with no answers just repeated that it was past 30 days and that I should reapply. Then she said she would switch me to someone else to find my application. I said that's NOT my issue, we found it the first time, I want to know why I gave them all my info and was rejected and never contacted when they ran out of time. She just kept repeating herself so I hung up and called XXXX who said this was NOT normal behavior and to write them a letter to have the hard inquiry on my credit score removed. I was also told to file a complaint here. 

That same month I opened up an auto loan with XXXX and there were NO issues, so I can't seem to figure out, aside from them running out of time on their end and not letting me know, why I was rejcted. Since they found and then lost my application while I was on the phone with them and continuously recommended I reapply, I felt this was abnormal and fraudulent which XXXX agreed with.
Consumer complaint received 2023-01-05
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. (MO)

Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct and I do not give permission for these accounts to be on my credit report. Please Delete. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-05
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. (FL)

XXXX XXXX XXXX, allowed me to have XXXX XXXX payment plan for my car payment in XXXX for the XXXXXXXX XXXX, in the last year XXXX - XXXX the car was paid off, the account showed as current and XXXX balance, when I verified my credit file in XXXX I discovered XXXX XXXX XXXX XXXX XXXX my account NEGATIVE in all XXXX XXXXXXXX late payments, I did a dispute with them and I sent letter to XXXX and Equifax to XXXX all the negative late payments and they never removed them, my account still remain Negative late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please investigate this issue for me because of this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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. (NY)

I opened a secured personal loan with XXXX XXXX XXXX. The amount of the loan was {$500.00} and I deposited more than {$600.00} in the account to cover the loan and its interest. The banker who setup my secured account also told me he will setup auto payments to come out of my account into the {$500.00} loan. Fast forward 1.5 years later the loan and the interest have been paid off however I find out that XXXX XXXX XXXX charged me a fee for every month the auto payment was done on my loan payments. So now even though the loan and interest is paid off, there remains {$180.00} just in bank fees being reported on my credit report and negatively hurting my credit. I called XXXX XXXX XXXX to get a resolution and both occasions the representatives kept me on hold and then dropped the phone. I need help with this, there should be no reason I have a balance with XXXX XXXX XXXX when the loan and interest was satisfied. The {$180.00} is strictly fees and nothing else and that is predatory on the part of XXXX XXXX XXXX.
Consumer complaint received 2023-01-05
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. (AZ)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX  XXXX XXXX Case Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXXhas violated my rights. 

15 USC 1681 section 602 A 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 accounts without my written instructions.
Consumer complaint received 2023-01-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC (NJ)

I was recently checking my credit report and noticed a collection account from Security Credit System for {$4600.00}. I do not know this company and have never given them permission to report anything on my consumer file. 

Currently this company is reporting negative information as if I am legally obligated to pay a debt to XXXX. This account has been causing me stress an anxiety as it is listed as charge off yet I have never received the proper tax documents from the alleged original creditor. Additionally I have never done business with this company and demand they show proof that I have. I'm attaching my requests to them to get this resolved so I can move on with my life.
Consumer complaint received 2023-01-05
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)

After I filed the complaint about the credit reporting agencies I did a thorough investigation on my student loans and found out that all my lstudent loans are still current based on XXXX XXXX XXXX. That none of my loans delinquent. Therefore XXXX had fraudulently reported my student loans delinquent even though that is not true. XXXX, company that handles student loans falsely reported a false credit report on me. 
Sincerely XXXX XXXX
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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. 


I also would like my address updated to the following, and ALL OTHER ADDRESSES REMOVED from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

Our foreclosure was with Wells Fargo. We were doing a loan modification because I had lost my job XX/XX/XXXX. They sent me a packet of paperwork which I filled out and returned. On XX/XX/XXXX they sold our house at auction without telling us, stating they had not received one paper from the packet. I dont know why they wouldnt have told us they were missing a paper, which I find impossible to believe because I filled everything out and returned it. They acknowledged error and their lawyer and they were willing to reinstate our loan but the crooked realtor who bought it at auction was not willing. So we lost our home two weeks before XXXX because they are unethical. Our loan number was XXXX
Consumer complaint received 2023-01-05
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # 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
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (GA)

Return a phone back to XXXX  in the store. Sales representative took the phone. XXXX is reporting they didnt get the phone it been years more than 7 years. The collection was removed from my credit but this company name Enhances Recovery in XXXX have been calling me trying to recover money from this old collection.
Consumer complaint received 2023-01-05
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)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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. (LA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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 revisited my credit file and to my dismay, I see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you guys to perform a logical investigation on these accounts.
Consumer complaint received 2023-01-05
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. (NC)

Name : XXXX XXXX I have a charge off account in my name with XXXX XXXX. I shouldve received a 1099-C Cancellation of Debt Form. Because of that, the account is INACCURATE and HAS TO BE REMOVED
Consumer complaint received 2023-01-05
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. (GA)

My social security number has been compromised and there has been several accounts opened under my name and social since XX/XX/2022. Theres a XXXX XXXX, XXXX XXXX and XXXX XXXX  credit card under the social security number provided to me for which is fraudulent and needs to be removed from my credit report. Someone has been using my name, social and address and Ive been in the XXXX  since XX/XX/2022.
Consumer complaint received 2023-01-05
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. (OH)

I tried to apply for credit in XXXX of 2022 and was denied. I checked my report and saw 2 accounts that i have not done any business with. I have a card with XXXX XXXX XXXXXXXX For the amount of XXXX, i also have a account with XXXX XXXXXXXX on my profile for the amount of XXXX. I have not done business with either company and These 3 companies needs to be deleted off of my credit. THIS IS FRAUD