davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FORD MOTOR CREDIT CO. (DE)

company not reporting vehicle loan ( XXXX ) to credit bureaus. I contacted both, Ford motor company and crossroad equipment & leasing to ask why they were not reporting my positive accounts. Both companies expressed they would update, that has yet to happen. 

my initial communication regarding the matter was XX/XX/2021 till present. 
unresolved.
Consumer complaint received 2024-10-27
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)

The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate or belongs to me. This ground for removal they also violated my rights under 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 2022-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is threatening to close my account if I do not walk in the branch and show them my Identification.

Keep in mind this threat was made before the account was even open. 

They understood that I did not complete the application process. Then sent me welcome letters 2 days later after the threat. 

On Tuesday XX/XX/XXXX XXXX pm Welcome, XXXX XXXX Thanks for choosing Wells Fargo. Here are ways to get money into your new checking account. 



On Thursday XX/XX/XXXX XXXX Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above referenced accounts because information provided when the account was opened is inconsistent with internal and public records. The accounts are expected to close by XX/XX/22. Please note that the Bank reserves the right to close the accounts sooner if circumstances arise that warrant an earlier closing. 

Seems like their is some sort of discrimination going on here. I do need to speak to corporate and all parties responsible for inaccurate reporting will be sued. 



Before my account was even open rep told me that she would be blocking all incoming deposits. How would they be able to do that if my account wasnt open in the first place so thats why they rushed to send me the welcome letter just to block the account
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

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 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I am unable to provide all of the documents because they were altered and hidden. This was not where I lived where it was forwarded to after an incident. False claims information was used and apparently taxes were taken out and XXXX XXXX closed so as found this is the last document of unknown and known people some mail forwarded to XXXX XXXX XXXXXXXX XXXX XXXX XXXX account information XXXX XXXX and this was forwarded leaving me with nothing closing my post office box on auto pay likely with id or some other means I dont believe it was the actual post office. Went in and told they had to give it to someone else. Again likely not the post office but I know that it is also illegal to use bank information or deduct for likely tax purposes so left with little. This is not meant as a complaint but info needed. Parents were not at the residence at the time it was forwarded my father was undergoing XXXX XXXX. So it was someone on their behalf unknown does not mean it changes anything or anyone but someone had to go in do this and after covered the evidence. So could be anyone may have been after returning by anyone. But sent to both parties forwarded.
Consumer complaint received 2022-11-18
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. (GA)

3rd request XXXX received a check and cashed it. Someone tell me where the funds are. When I call XXXX will not speak to me. Ive logged hours and at this point its mental distress, emotional distress and financial distress. 

This dispute has 2 parts Original account is mine however fraudulent activity occurred as I experienced Identity there. I went through the fraud process with target when it happened. The account sat dormant until recent on my credit. I dont owe it HOWEVER I PAID IT. Again I PAID IT. Attaching a front and back copy of the cashed check. 

Where is my money. 
Why are you reporting charge offs after it was paid. Per XXXX the reporting was suppressed then reporting began XXXX of this year. 

I request someone call me as Ive did all I can do on my own and I am fully prepared to file suit and go to the media as this is rediculous. Someone is half doing there job and its going to cost you if someone doesnt make an effort to resolve with me and that can be a phone call. This impacts, reg b, fcra, fdcpa, ftc as a fraud case was filed, Ive sent fraud forms and police report showing the identity AND I PAID EVEN THOUGH I DO NOT OWE IT AND NO ONE WILL RESEARCH THE PAYMENT. FINAL ATTEMP TO RESIDE BEFORE HIRING LEGAL COUNSEL AND I WILL ASK XXXX TO REIMBURSE LEGAL FEES.
Consumer complaint received 2022-10-08
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: SYNCHRONY FINANCIAL (MD)

I received a letter from Synchrony Bank saying they received a credit report with XXXX Rewards card inquiry from Synchrony Bank that I did not apply for. It has tarnished my creditworthiness and lowered my credit score. After reaching out to the bank to let them know I had not made the inquiry for the card I was met with incoherency and denial the bank sent me the information dated XX/XX/XXXX, I received the latter from the bank on XX/XX/XXXX 2022
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

In the first week of XXXX, I received a text from the Home Depot card fraud dept, asking if I've made a purchase for over XXXX. I said no and the fraud dept immediately called me. They advised another purchase for XXXX was approved the day before. After telling the dept. I was not at that store, did not approve or make that purchase and gave no one permission to do so, they closed the account, issued a new card and removed the balance from my account. They supposedly did an investigation and said I'm responsible for the charges. 
During the time these charges were made, 2 other card accounts I have were compromised. Both those accounts, one of which is also owned by Citibank as the home depot card is, removed the charges from my accounts and found me not responsible. Someone had also manipulated my identity, using a driver 's license photocopy with inaccurate expiration and issued dates to rent equipment from a rental facility I've never heard of. I was cleared of responsibility for this transaction as well. I have filed an identity theft police report with all this information included, froze my credit reports and had a fraud alert placed on all my credit reports as a result of this activity. Although I had paid off this card and not used it in quite some time and supplying all this info to the card company, they have refused to actually investigate and clear me of responsibility. I know my signature is not one that made a purchase, I'm also certain the stores security cameras knowing the exact time and date of the purchase, would prove it wasn't me while also identifying the people responsible for this crime. I feel the home depot branch of citi cards has been negligent in fulfillment of their obligations to ensure consumers are protected in their stores and in their investigation of fraud in my situation.
Consumer complaint received 2022-04-29
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. (AL)

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. 

XXXX  XXXX XXXX Account Number XXXX has violated my rights. 

XXXX XXXX XXXX Acct Number XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX  ) Account Number XXXX has violated my rights. 


XXXX XXXX XXXX Account Number XXXX has violated my rights. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX has violated my rights. 


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

15USC Section 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without written con
sent.
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX VALIDATION AND PROOF OF CLAIM IS STILL REJECTED WILLFUL NONCOMPLIANCE Violation 1. ) trying to collect a charge off you dont have legal rights too.

2. ) Furnishing deceptive forms.

3. ) False and misleading representation Collection of extensions of credit by extortionate.

4. ) Violate my right to privacy.

5. ) Sharing non-public personal information.

6. ) Willful noncompliance.

7. ) I would like to see the bill of sales and any documentation how account transitioned 12 CFR part 1016.7 And I am now exercising my right to opt out!

To Whom it May Concern Last and final warning before I get my legal team involved. Your company is in direct violation of the FDCPA, TAX Regulations, PRIVACY ACT OF 1974 and the FCRA. I've exercised my right in the letter Ive sent your company by mail as well online. 15 usc 1692 ( A ) ( C ) Communication in connection with a debt collection. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

The Definition of the word Communication ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
This report is a form of communication, your company is using XXXX, XXXX and XXXX as a medium to communicate to me about a debt I dont owe.
Consumer complaint received 2024-10-29
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. (NJ)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-27
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. (NC)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605c that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX {$3200.00} XX/XX/XXXX XXXX {$3000.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-09-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have attempted to remove a closed account from my XXXX credit profile as the statue of limitations has exceeded the 7 year mark on XX/XX/21. In addition I attempted to dispute another card account however XXXX has not provided info and the dispute time has exceeded 30 days,
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase credit card, the one through United Airlines. I pay off my balance every month but it appears that Chase is penalizing me for this. On Monday XX/XX/XXXX, one of my children attempted to make an online purchase and said the card was not working. I called Chase and was told that I had hit my credit limit ( $ XXXX ) on Monday XX/XX/XXXX. They said if I made a payment to bring my balance below the limit, my card would be available for use again in 1-2 business days. I therefore paid directly online on Monday XX/XX/XXXX and the money was taken directly from my checking account at XXXX XXXX on XX/XX/XXXX. My son in southern California tried to use the card and was declined so I called today. I am now told my card is on hold for at least a week because I paid too much money. They said that when someone pays an amount that is close to their total credit limit they have a policy of putting the card on hold for a week. Since I paid off my balance, there is no legitimate purpose to putting my card on hold. This policy appears designed to punish people who pay off their balance each month, so that Chase can deter cardholders from doing so ( and can collect interest on balance that carries over ). I spoke with two account supervisors ( XXXX and XXXX XXXX who did not help me and said they had no power to override the hold.
Consumer complaint received 2024-09-28
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: EQUIFAX, INC. (TX)

As I was reviewing my credit I came across unauthorized inquiries. Remove immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX