davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute certain information on my credit report related to the accounts mentioned below. I have been informed by the respective banks that the discrepancies are due to internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1000.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00}. I have attached supporting documentation to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I am aware that the Fair Credit Reporting Act ( FCRA ) requires you to complete the investigation within 30 days. I anticipate your prompt response and the correction of the inaccuracies in my credit report.
Consumer complaint received 2023-12-13
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 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.
Consumer complaint received 2024-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (AZ)

I once signed up for Auto Insurance with XXXX ( Policy Number XXXX XXXX ). The insurance was cancelled and I had already shopped for another insurance policy through another insurance company. XXXX later came to inform me that I still need to pay for days of coverage. However, they wrote me a letter that if I can show them a proof of another coverage before cancellation of their policy, they would waive the purported premium. 

I did send a copy of my new policy to XXXX and they stopped contacting me for collection. 

After a couple of months they still went ahead to farm out a 'NON EXISTENT ' debt to Adler Wallach ( AWA ). AWA without consultation with me put a derogatory remark on my consumer credit report.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute certain information on my credit report related to the following accounts. The discrepancies have been acknowledged by the respective banks as internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : XXXXXXXX XXXX XXXXXXXX XXXX, DEPT OF ED/XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. XXXX. I have attached supporting documentation, to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2024-01-04
Product: Credit reporting 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. 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 a 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.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Capital One has continued to call after multiple requests asking for them to Cease and Desist. Every time they call, Im told that there is no note or no record of anyone entering a cease and desist. Im still getting calls almost two months after the initial request was completed. Each person says theyre going to file it, but no one does. Ive told them of my hardships and they continue to send me notices saying they will help with payment options, but when I try to, I dont ever qualify for anything that will help. What they are trying to do is make sure that I dont eat or lose my electricity or anything they can do to get their money back. They lie to consumers about abilities to reduce APR and other customers get APR reductions when asked, but anytime I call, they say that it is not something that Capital One does. They have also violated CFPB regulations by refusing to escalate complaints on these things to their Level 3 escalation team or their Executive Office. Im told that I cant speak with those levels and they dont take complaints.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

About a month a ago i mailed a dispute letter to Experian reporting inaccuracies found on my consumer credit report. I have not received a response and my Experian report is still showing inaccuracies. This is a violation based on 15 USC 1681 ( i ). As a federally protected consumer and based on the attached reports, Experian violates the following : 15 USC 1681 - Accuracy - for failing to maintain accuracy of reporting based on the attached documents highlighting inaccuracy of reporting : 1 ) employment history 2 ) credit score 3 ) address history 4 ) number of late payments 5 ) account number 6 ) date reported 7 ) inquiries 8 ) payment history for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  days late 10 ) late payments. 

The FCRA requires the information furnished on the consumer report be accurate and complete, to include the account number, if it is reported. In addition to the numerous inaccuracies reported, Experian is only reporting the I.I.N. ( Issuer Identification Number ) or B.I.N. ( bank Identification Number ) of the card/account number, it is impossible to determine if this account is even mine. 
Experian is also in violation of 15 USC 1681 ( b ) - Permissible Purposes. Experian has never received a permissible purpose to furnish any information on/to my consumer report. Also Experian violates 15 USC 1681 ( b ) - Permissible Purposes- due to furnishing inquiries on my consumer report that are not open accounts. Unless Experian can provide documentation verifying that I, the consumer, have an open account with any company listed as an inquiry, the inquiries. 

Experian also violates the Privates Act of 1974 ( 5 USC 552 ( a ) by obtaining all address through a third-party agency.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

I am including a copy of the letter submitted to Wells Fargo, and the response from the company for your review. 

On XX/XX/2023, I contacted Wells Fargo about increasing my current credit card limit. Over the nearly 10 years I have had the card, I periodically call Wells Fargo with this request to increase my credit balance, and subsequently, my XXXX XXXX. During the call, I was told that Wells Fargo would require certain information, and that depending on the results, a credit report MAY be necessary and that I will be notified if it is needed. I have received the same disclosure each time, Wells Fargo has never needed nor performed a hard inquiry on my credit report for a credit line increase request. At some point during the process on XX/XX/XXXX, a hard inquiry was performed. I only learned about the hard inquiry after I received a notice from my credit monitoring service. I sent a letter to Wells Fargo on XX/XX/XXXX, informing them about the hard inquiry and telling them that I never agreed to a hard inquiry on my credit report. 

On XX/XX/XXXX, I received a response letter from Wells Fargo. The letter, purportedly drafted on the federal banking holiday of XX/XX/XXXX, says that Wells Fargo determined that the hard inquiry was proper as an " application for an account requires us to review the credit file of the applicants for credit determination. '' I did not apply for an account ; I already had an account. To the extent that Wells Fargo considers a credit line increase a " application for an account, '' and that a hard inquiry is required whenever a consumer requests a credit line increase, than Wells Fargo 's chosen language that a credit report " may be necessary '' is deliberately misleading if Wells Fargo 's position is that it will always be required for such requests. Either way, I did not consent to a hard inquiry and would not have proceeded with the credit line increase request if I had known that it would have results in a hard inquiry.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

The account of XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality. 
15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A section B. States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C inaccurate credit reporting directly impares and undermines the banking system and public confidence. 

I would ask and recommend that XXXX XXXX ACCOUNT be takin off of my credit and consumer reports immediately.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. 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 a 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.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (GA)

My information was exposed during an XXXX XXXX XXXX. XXXX removed the late payment account on XX/XX/2023. XXXX XXXX entered the account and blamed it on the creditor. My information was compromised and led to unauthorized charges on my XXXX account. I have disputed this account with the credit and XXXX with no results.please see XXXX claim, and etc report regarding this account. this account does not have my accurate name. this account is unverifiable and late payments are not to be reported due to leak of my personal information
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I got a notification of a collection on my transunion credit report and called immediately to the collection agency princeparker. They could not identify me by my name, address, telephone number and my information did not match the collection except for the ssn. I had my ssn stolen and have had several attempted attempts to open credit cards and loans in my name. My file is locked. I have a current XXXX XXXX XXXX account which is an always has been current for more than 20 years. The thief was able to use my ssn to open some sort of account somewhere unknown in XXXX for {$230.00} which went into collection on XX/XX/XXXX. I demanded that this account be removed from my file since it was obviously a fraud and the agent hung up on me after demanding that I pay the account in full before they could verify the debt, Agent did not follow through on verifying the debt bc the identifying information that they have on file is for the thief and not me. I want this item removed ASAP. I immediately filed a dispute with trans union but trans union has not removed the item from my report after contacting princeparker. Trans union has not given me a reason why item is still XXXX my report and says that my dispute while complete the information is unavailable to me. I contacted trans union again today and they were unhelpful. Filing this separate complain against trans union based on these facts. I have no information other than what is listed on the credit report for this collection as I have never been contacted by the collection agency or XXXX XXXX XXXX,
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$4300.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681 e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC e ( b ). 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They must be XXXX because everything is inconsistent.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX, airbnb issued a refund of {$610.00} to my purged Chase sapphire card ending in XXXX. I have spoken to XXXX representatives at Chase, and no one can tell me how to obtain the refund. I have been referred to the escalation dept XXXX  times, the dispute dept, and the purged credit card dept. I can not get anyone to help/understand, despite my having the complete credit card number, and the XXXX number ( XXXX  # XXXX ) from XXXX.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KS)

I went to the car dealership, and I wanted to apply for a car, and they shopped my credit around without my consent. I told them I would go through my personal bank, and they proceeded to go forward without my permission. This has affected me extremely as my scores have dropped and i have been getting denied for lines of credit.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Churchill Holdings, Inc. (SC)

This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This company has none of these documents or written instructions from me authorizing them to pull my report. I did not authorize this inquiry. The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (CA)

Fraudulent accounts were opened using identity theft. One at Ally Bank and the other at XXXX XXXX XXXX I received a notification because the identify thief used my email address for the account. 

I called both banks where the accounts were opened. In both cases they refused to close the account and stated they would " restrict the account ''. 

They refused to provide me with details with exactly how a restricted account was secure or more secure than a closed account, refused to close the account because " I didn't open the account so I was not a customer of theirs, '' refused to provide me with a timeline of when the account would be closed. 

They only stated that they needed to conduct an investigation before any action would be done. When I asked for an estimated timeline for the investigation to be concluded they refused to answer. When I asked if I would be updated on the status of the account, they refuse " because I was not a customer. '' They claimed to " secure and restrict '' the account, but when I challenged them on the fact that they could not even secure the account from being fraudulently opened, how could they ensure restrictions of further fraud such as the opening of another account? Ally hung up on me without answering the question, XXXX XXXX XXXX refused to answer the question. 

My issue is these online banks are a hot bed for virtual identity theft to transition to actual theft. It is already alarming to deal with chasing down these fraudulent accounts and double checking if any money was stolen, but to then be denied the closure of a potential risk of future fraud perpetuates the nightmare to a daily basis of constant calls and monitoring. These online banks already seem to have less security in terms of opening and verifying an account than a traditional bank. Refusing to close a fraudulent account only exacerbates the issue.