davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title 15- Commerce and trade Chapter 94- Privacy subchapter I - Disclosure of nonpublic personal information SEC. 6802 - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On XX/XX/22 while I was in XXXX, OR on a work trip I received text notification at XXXX that a charge for {$810.00} at a XXXX XXXX XXXX XXXX XXXX Washington had been made. I was at least 30-45 mins minimum with traffic away from the store at that time. I had just arrived at my hotel, so checked in and called to report it right away within 10-15 mins.

My card was not stolen, it was in my possession the entire day and at no time prior to that was it out of my possession. With exception to my stop for gas earlier that day when I handed it to the attendant ( No self serve in Oregon ) and he promptly returned it. Naturally the card was cancelled and a claim started.

Initially the charge was removed from my account the next day and then placed back on the same day. When I checked on it I was told because the transaction shows as a chip transaction which means the card has to be there in person for that to happen, they denied my claim.

Research and confirmation from various persons in law enforcement indicates that chips can indeed be mimicked to read that way. I filed a police report and reached out to the store to see about surveillance footage which the police retrieved for review and is detailed in the report received XX/XX/22. The report describes surveillance video footage of a white guy XXXX, I am a white female XXXX. Shortly after receiving it I called Capital One to find out how to send it along and get everything cleared up. They refused to accept the report as it didn't matter because like the times I reached out prior, the transaction reads as the chip/card being in the store, so that is it, nothing more to dispute. They apparently, conveniently refuse to acknowledge that chips can be mimicked. So they are sticking to that and seemingly there is nothing I can do. Which brings me here. I speculate that my card information was somehow captured at the gas station but its purely speculation. My hope in filing a complaint is that I can have the charge reversed. I appreciate you looking into this matter and hope it can be resolved easily.
Consumer complaint received 2022-09-09
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX, XXXX XXXX on XXXX, requested to know if the XXXX I was selling was still available. I said yes and the conversation continued throughout the day about the condition of the machine, the price, and when her sister was going to pick it up on that Monday. She then asks if she can pay me through XXXX. I had only used XXXX once before for a small payment of under {$10.00}. This was {$180.00} I was asking for. She asked for my email and number and name and then it sent me an email saying XXXX XXXX has sent you {$500.00}. She then said that I would need to submit a XXXX XXXX for {$500.00} in order to upgrade my account to a XXXX User. I then received an email from who I thought was XXXX asking me to send the money, send it to the buyer agent, screenshot the amount and send it to the XXXX  email and my account would be credited {$500.00} and the {$180.00}. Then I would have to send the woman back {$500.00}. I didnt think this was sketchy because this woman had mutual friends on XXXX with me. Which Im obviously guessing she got hacked. But needless to say Ive tried requesting the money back and havent gotten it. Truist said I may or may not get the money back. This is a shame for a bank to not have better things in place for fraud and scam acts thru XXXX. Im now out {$500.00} and NEED that money because I just bought a house and that money was supposed to go towards a mortgage.
Consumer complaint received 2024-11-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

I am a creditor with several financial institutions where I can no longer afford to pay. I have a XXXX XXXX XXXX that causes me to lose work, and in some cases XXXX  is required. Accordingly, I have no choice but to cease monthly payments with these creditors that I am submitting my issues through the Consumer Financial Protection Bureau. I request a cease and desist on all telephone communications, and request any communications by mail only. I can submit medical proof of my XXXX  if a settlement is offered. I am looking into filing a XXXX  XXXX bankruptcy. Please cease all communications with any of my accounts. Thank you. 
XXXX XXXX
Consumer complaint received 2022-07-16
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)

Despite all my extended efforts to heve the fraudulent items removed from my Credit File, it is clear that the Credit Bureaus have been non-compliant of the FCRA section 605b. I geatly appreciate the effort done by the Credit Bureaus to correct a portion of my Credit Report that were incurred due to Identity Theft. But upon further investigation of my Credit File, I realized that not all the disputed fraudulent information was deleted. Once again, I was a victim of identity theft and the items I am disputing were never related to any transaction that I have made or authorized neither did I received any beneits resulting from my Identity being stolen. Acording to the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any account and information that the consumer recognizes as an item resulting from an Identity Theft. I am submitting this complaint to follow up my previous complaints regarding the same problem and have the following items removed immediately from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Consumer complaint received 2022-09-07
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

An employee worked for me for about 5 years. He was taking customer checks made out to my business and mobile depositing them into his personal Wells Fargo account. This was over the course of XXXX. In XXXX of XXXX, Wells Fargo called me and asked if I authorized an employee to deposit a check into his personal account to which I of course said no. They told me " over the last 3 months, we see he has done this with several checks totaling approximately {$30000.00}. '' They told me they were not allowed to tell me any further than 3 months even though it was my money. I confronted the employee over the phone and he stopped contact with me. After filing charges and subpoenaing records from the bank, the total amount stolen was {$130000.00}. Criminal charges were filed but the bank 's fraud department refuses to work with us and will not give any of the money back. The employee has since overdosed and died. This is negligence on Wells Fargo 's part for continuing to allow business checks specifically made out to my business to be deposited into a completely separate personal account. How this was not caught sooner, I will never understand. I am willing to work with the bank and settle this any way possible.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (TN)

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C1681 section 602A.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 in which i did not do an this is clearly a violation
Consumer complaint received 2022-07-16
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. (GA)

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor items. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, AR XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, AR XXXX XX/XX/2022 ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX Balance : {$740.00} ; XXXX XXXX  XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) I48243O1****Balance : {$750.00} ; XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00}.
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/XXXX ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-07
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. (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 ( 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 2022-06-08
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. (NY)

I have multiple times requested validation of some inquiries that I NEVER authorized to the company ignoring me. I did call these companies and was told they have no record of me and to contact the reporting agency. I didnt authorize these. 
Attached is last letter sent to the agency.
Consumer complaint received 2022-09-07
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 — Problem with personal statement of dispute
Company: CAVALRY INVESTMENTS, LLC (NY)

This company is falsely trying to collect a debt that is not mine. 
Bi law they have 30 to inform me before they take negative actions against me I am showing a court document which is public record that I was sent XXXX XXXX XXXX XXXX on XX/XX/XXXX. So all those paper your showing going to a XXXX XXXX fraud. I was sitting in XXXX  since XX/XX/XXXX. And I didnt owe no debt then. I have requested numerous of time for proof what they mail me is two pieces of papers with my name an amount and a XXXX XXXX address .. this company is falsely causing pain and suffering.. I have tried to tell them nimberous of times I have been in XXXX so show me proof and if there was any proof they would have taken civil actions agains me since I was in a XXXX XXXX and could not move. I am a XXXX veteran and these two fraudelent reports are causing me extra hardship that is unlawful and violates the fair report credit act they have no proof of perchisas they didnt timely report me 30 days prior to taking actions agains and lastly they didnt file a civil order before the statue of limitations please remove these negative remarks before I file charges of fraud and before I file a lawsuit against you for messing with my live and causing me suffering
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act ALL IN 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX  NA XXXX Date opened XX/XX/2021 Balance $ XXXX Late Date XXXX
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints several times already but still, these accounts are visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have sent my FTC report to them but still, nothing has changed. These fraudulent accounts should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 

XXXX  XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$2200.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}