davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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)

I am writing to formally dispute the reporting of the XXXX account on my credit report. This account was previously removed but has reappeared, and I believe it is being reported in error. 

I have requested a 1099-C form multiple times regarding this account, as it was recorded as a profit and loss. This suggests fraudulent activity on my report, as it does not reflect the accurate status of my financial obligations. 

If this account is not promptly removed from my credit report, I will have no choice but to escalate the matter to the courts and the IRS. I will be reporting your participation in this fraudulent activity. 

I expect a prompt resolution to this issue. Please confirm receipt of this dispute and provide me with an update on your investigation.
Consumer complaint received 2024-10-16
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt and Request for Validation under 15 U.S.C. 1692g Dear XXXX XXXX XXXX, I am contacting you regarding the alleged debt referenced in my consumer credit report and associated with the following account : Original Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Amount : {$15000.00} Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I formally dispute the validity of this debt. I am exercising my right to request verification and validation of this account within 30 days of receiving notice of this debt. 

Specifically, I request the following : Verification of the amount claimed to be owed, including a breakdown of principal, interest, and fees. 
The name and address of the original creditor, if different from the current creditor. 
A copy of any judgment ( if applicable ). 
Verification that you are legally authorized to collect on this debt. 
Under 15 U.S.C. 1692g ( b ), collection activities on this account must cease until proper validation is provided. Failure to provide sufficient validation within a reasonable period will be considered a violation of the FDCPA, and I may pursue my legal rights accordingly. 

Additionally, please update your records to reflect that this debt is in dispute. If your investigation determines that the debt is invalid, I request that you remove all negative references related to this account from my credit report. 

Please provide written confirmation of your receipt of this dispute. I expect a response within the timeframes required by law. 

Thank you for your prompt attention to this matter. 

I do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the account high balance. Nor do I recognize the late payment associated with this account. Everything reported here does not meet the FCRA! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-31
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)

I disputed several fraudulent accounts, as a result of identity theft. The accounts in question were deleted. Several weeks later the accounts were reinstated. Based on the research I did the proper protocol was not followed. Also these account were opened by me.
Consumer complaint received 2024-10-16
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. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. (MI)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. (CA)

Ive noticed unfamiliar items on my credit report, suggesting potential identity theft, as I did not authorize these accounts. Ive raised this issue before and urgently request their removal, as they misrepresent my credit history and are causing me significant stress. If this cant be resolved promptly, Im prepared to take legal action to protect my rights. These inaccuracies are hindering my financial goals, like purchasing a home and supporting my family. I hope we can address this issue soon.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-16
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)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-16
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. (TX)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-03
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: Apoyo Financiero, Inc. (CA)

THIS COMPANY HAS A VERY UNPROFESIONAL WAY OF DOING BUSINESS. THEY ARE VIOLATING MULTIPLE FCRA LAWS AS WELL ONE IN SPECIFIC IS 1681 ( E ) ( B ).

- THIS ACCOUNT WAS CLOSED AND CHARGED OFF, THEN THEY WENT ALONG AND SUED ME FOR NOT PAYING. WENT TO COURT AND CASE WAS DISMISSED. -NOT HAPPY WITH THERE CASE BEING DISMISSED WITH PREJUDICE THEY WENT ON MY CREDIT REPORT AND CHANGED THE PAYMENT HISTORY TO BEING LATE AS OPPOSED TO BEING CHARGED OFF AND CLOSED.

-THE EMPLOYEE FROM THE LOCATION WE GOT THE ORIGINAL LOAN FROM KNOW US PERSONALLY AND HAVE TRY TO CHARGE US IN PERSON AT OUR RESTAURANT LOCATION ON THE WEEKENDS WHEN THEY RUN INTO ME OR MY HUSBAND, WHICH IS VERY UNETHICAL.

-THEY CALL ME DAILY, MAKING ALL KINDS OF THREATS TELLING ME TO PAY EVEN THOUGH THIS CASE WAS ALREADY DISMISSED AT COURT. THIS DEBT IS NO LONGER VALID. THE MOMENT THEY TOOK US TO COURT THE COMMUNICATION WITH US HAS HAD TO BE CEASED.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (FL)

XX/XX/scrub>XX/XX/24 {$65.00} XX/XX/24 {$510.00} XX/XX/24 {$91.00} XX/XX/24 {$100.00} THEY ASKED FOR THE DOCS TO PROVE MY CASE I PROVIDED THEM ALL AND SAID THEY ARE GOING WITH THE WRIITEN LEASE THAT NO REFUNDS DIDNT CARE ABOUT THE CHARGEBACK CODE GOOD AND SERVICES NOT AS DECSRIBED OR RECEVIED
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

I asked for my debit card to be shipped to XXXX XXXX XXXX XXXX XXXX XXXXXXXX but they shipped it to my address in Virginia. The card then had to be shipped to Colorado from Virginia by my boyfriend because Wells Fargo improperly delivered my card to the wrong address. I activated the card then realized it was missing and reported the charges. The charges were made by XXXX XXXX in Colorado which is a sports betting app and only works in that state. I do not have an authorized account with them and I notified customer service of this after which they closed my account. 

I ordered a new card to Virginia and as soon as I activated it funds were taken out of my account in Colorado. If they check the location of where I activated my card vs where it was used- it is evident that it was used in a geospecific location where I was not located. 


This was unauthorized use of my account and debit card. I have been unable to add my debit card to my apple wallet and I have called customer service to report this problem. They were unable to verify my charge. They can again check the IP address. Someone is making XXXX XXXX accounts using my identity and withdrawing large sums of money from my account. I can not use my card on a website in Colorado if it was activated in Virgina. 

Wells Fargo even sent me a notification that they think my username and password may have been published online by another website or service.

The customer service agent changed my username for me which is illegal and they are not supposed to do that on my behalf- check the phone records.

I called the claims agent and they were able to provide no information other than the card was activated and used. 

No advanced access code was sent for a suspicious XXXX transaction.
Consumer complaint received 2024-10-16
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. (MD)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

" I do not recognize this collection agency, as I have never entered into any agreement to work with them. Could you please provide evidence showing that I have signed any agreement with this collection agency? '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-27
Product: Credit 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. (IA)

On XX/XX/XXXX I received an email from Home Depot Credit Services with a statement showing a balance of {$5200.00}. The statement showed 6 purchases each between {$700.00} and {$900.00} that were made in Pennsylvania and New Jersey between XX/XX/XXXX and XX/XX/XXXX. I called the number on my credit card to report the fraudulent purchases. I was told that a person by the name or alias of XXXX XXXX had taken control of my account, made himself an authorized user, and was sent his own credit card linked to my account. I was NEVER notified of these changes. Home Depot has acknowledged notification of the fraud and stated in a letter that I did not have to make payments on the disputed charges. However, since then I have continually received email statements almost daily showing that I owe the disputed balance. I have also received two letters from Citi Bank stating they are attempting to collect a debt and that my account is past due. I last used my Home Depot card on XX/XX/XXXX and paid the balance on XX/XX/XXXX. I have not used the card since then. I have not made any purchases where I would owe any payment. It appears to me they are trying to make me pay for the fraudulent purchases that they were responsible for.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CADENCE BANK (MS)

I apply for jobs submitting reviews for XXXX company for commission and I worked for about XXXX weeks doing that and they did tell me that you know Id have to transfer some money over into my work account to offset negative balance sometimes well I did a total of {$3300.00} And not once have I received my commission well now whenever I disputed it with my bank I called because I didnt know exactly how to dispute it. My bank filed it wrong instead of in XXXX XXXX. They put XXXX and they said it was fraudulent like I didnt do it, but I explained to him what happened and Well she filed it and they sent me a denial letter that they denied my dispute because my excessive transfer over to Cash app, and whenever I called him to explain that you know the amount they had was wrong and how they filed it was wrong. The lady I spoke with said it was service is not received is how she was supposed to file it, but since it was already denied, my bank refused to reopen it or to even re-file it because it was already denied and they closed out my checking account. Now since my bank denied my dispute of XXXX XXXX XXXX dollars XXXX XXXX XXXX dollars my house is up for repossession and so is my husbands company equipment and my bank doesnt want to do anything to help