davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-04-23
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: EQUIFAX, INC. (AL)

There are several items reporting on my credit report that does not belong to me and/or is inaccurate information : Please assist me in getting these items removed : Fraud Reporting Information : XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX - That is reporting incorrectly. I have contacted XXXX XXXX   because XXXX  is reporting inaccurate XXXX XXXX Information. There was an overpayment where XXXX XXXX had to reimburse the money sent. Equifax is reporting inaccurate information. 

XXXX XXXX XXXX XXXX - This is a fraud account. This account was not opened by me. XXXX  is reporting fraud information and they was sent a FTC FORM. 

I have never had a XXXX XXXX XXXX account because whereI live they do not have XXXX XXXX XXXX XXXX. I have talked with XXXX XXXX XXXX Customer Service Rep and they do not see any accounts with my name on it. So XXXX   and Equifax is reporting incorrect information. 


Inquiries that was not authorized by me : XXXX XXXX XXXX 3 times
Consumer complaint received 2024-09-06
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This account continues to report inaccurately as delinquent on my credit report. I have contacted the company on various occasions in XXXX, XXXX and XXXX to correct. However to date this matter has not been resolved. I requested proof of past due status as reported XXXX - XX/XX/XXXX ; and CO from XX/XX/XXXX - XX/XX/XXXX ; however I have not been provided any validation of the debt.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I applied for the Fifth Third Trio Credit card online. https : //www.53.com/content/fifth-third/en/personal-banking/bank/credit-cards.html The page clearly states that I will earn {$100.00} after spending {$1000.00} in the first 90 days of opening the account. I even called 5th/3rd/ when I applied to ensure I was eligible for this promotion and was assured that I was. I spent the {$1000.00} in my first 30 days and have waited the 8 weeks for the XXXX  points ( {$100.00} rewards value ) to be applied to my account, it has not been applied as of today. 
I called today to ask for the status of this and was told I should have received a promo code - and since I didn't, I don't qualify for the offer. That makes no sense as the promo code would have had to come from 5/3 bank. 
This is misleading in every way possible I just want the bonus points that I am owed.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted XXXX to formally dispute and demand the immediate removal of inaccurate information on my credit report regar

ding erroneous collection accounts and late payments, addresses, and names. This letter constitutes my official notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer laws. These entries are disputed as they do not meet the accuracy standards outlined in 15 U.S.C. 1681e ( b ) and violate the requirements of 15 U.S.C. 1681a ( 2 ) ( xi ), which obligates furnishers of information to report accurate information related to consumer debts. Under 15 U.S.C. 1681i, I demand a th
orough investigation into these disputed accounts. XXXX required to complete this investigation within 30 days of receipt of my request. According to 15 U.S.C. 1681i ( a ) ( 5 ), XXXX find that the information is inaccurate or can not be verified, it must delete the information from my credit report.

Furthermore, please be advise

d that under 15 U.S.C. 1692c, debt collectors are prohibited from communicating with consumers under certain conditions, particularly when the consumer is represented by an attorney. Additionally, 15 U.S.C. 1692g mandates that consumers have the right to dispute any debt information. Therefore, I expect your immediate compliance in verifying the accuracy of the reported accounts. Moreover, should it be determined that any of the disputed accounts were inaccurate or unverified, I expect those entries to be removed from my credit report in accordance with the laws outlined in 15 U.S.C. 1681e ( b ) and the prohibitions against unfair practices as enforced under 15 U.S.C. 1666b for consumer credit protection. I also remind you of the responsibilities under 15 U.S.C. 1635, which grants consumers the right to rescind certain transactions. Should these inaccuracies fall under this category, I will exercise this right to protect my interests. I was informed that they would not removed improper, and non mail able address because they were associ
ated with old accounts. ( Please see attached ) Please be advised that if XXXX fail to resolve this dispute satisfactorily, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and consider legal act

ion against your agency for non-compliance with the FCRA, including potential damages under 15 U.S.C. 1681n for willful non-compliance and 15 U.S.C. 1681o for negligent non-compliance. This is a formal notification of my expectations for immediate action regarding this urgent matter. I appreciate your prompt attention and look forward to your written response within the legally mandated 30-day investigation period, detailing the actions taken in response to my dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION (DC)

This is not an account I have been receiving offers with the incorrect middle name in my name Navy Federal Credit Union has me in their system as XXXX XXXX XXXX My correct full name is XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (IL)

I am writing to formally file a complaint against Elan Financial Services regarding a highly disproportionate interest charge on my credit card account for the billing cycle ending on XX/XX/year>. I believe the interest charged is incorrect and unfair, and I am seeing your assistance in resolving this issue. In the most recent statement, I was charged XXXX in interest on a balance of XXXX. This charge is particularly alarming because I had made payments totaling XXXX in the prior month, significantly reducing my balance. Based on my understanding, the interest should be calculated as of the statement closing date, not based on any amount that was paid down during the month. This situation has caused significant concern, as I believe this interest calculation does not reflect the actual balance carried over into the next billing cycle. I have reached out to Elan Financial Services but have not received a satisfactory resolution. I request that the Consumer Financial Protection Bureau investigate this matter and help ensure that interest is calculated fairly. Enclosed are copies of my recent statement and payment records for your reference. I appreciate your assistance and look forward to your prompt response to this complaint.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX and Transunion are reporting that I owe XXXX to XXXX. I disputed the debt. XXXX  XXXX could not verify the debt. XXXX XXXX has stated to me that the accounts should be removed from my credit reports. The accounts have not been removed.
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NV)

On or about XX/XX/XXXX, I contacted Wells Fargo requesting documents and information pertaining to my now closed mortgage loan. 
On XX/XX/XXXX I contacted XXXX XXXX at Wells Fargo, and asked why I have not received the information that I requested. He stated that they have to open a case to produce the documents. I then informed XXXX XXXX that they are obligated to fulfill my request for documentation according to Federal laws. Wells Fargo grossly mismanaged the account and had applied charges to my account that were unauthorized. In addition Wells Fargo failed to provide statements for XXXX, XXXX, and XX/XX/XXXX. During that period I made several payments to Wells Fargo, totaling in the thousands, that Wells Fargo knowingly and intentionally did not apply the payments so that they could add them onto my loan balance. 
Here is a list of the requested documents from Wells Fargo : Breakdown with details regarding the {$25000.00} that was added to my loan balance XXXX statements Response as to whom owns the loan Breakdown with details for theremediation check in the amount of {$710.00} dated XXXX XXXX Escrow statements for XXXX, XXXX, XXXX, and XXXX Mortgage statements for XXXX, XXXX, and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-04-24
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-04-24
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: Experian Information Solutions Inc. (PA)

Disputed a chap XXXX bankruptcy with all 3 credit reports. XXXX   Experian and XXXX failed to verfiy within 30 days the items disputed, in addition not provide results of the investigation within 30 days.
Consumer complaint received 2024-09-12
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. (PA)

I am not liable for this debt with XXXX XXXX  I do not have a contract with XXXX XXXX XXXX. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to. They did not provide me with the purchase agreement as I requested in complaint ID XXXX. This must be removed from my report since XXXX failed to follow the law per the FCRA. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You sent a letter trying to portray that you are validating a debt and in the same letter stated that you are not trying to collect on debt, when in fact you are. Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. I have no knowledge of an account with said company. Being that XXXX has stated that this alleged debt was sold to them means that this debt was claimed on taxes, therefore XXXX is trying to collect money from a debt TWICE. SENDING A BILL IS NOT VERIFYING A DEBT! I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the attorney generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX XXXX ( XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is stated above. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
TODAY IS XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-23
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: EQUIFAX, INC. (GA)

On XX/XX/2020 XXXX  claimed that they did a reinvestigation for my XXXX student loan and show the balance as {$1100.00} .XXXX  is commiting fraud they could not have actually performed a investigation because I have a screen shot proof that the balance was XXXX at the time that I filed my dispute.XXXX  continues to claim that they are performing a investigation and they are not actually completing a investigation on my disputes.
Consumer complaint received 2024-09-12
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. (NY)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-09-12
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. (IL)

I am filing this complaint against TransUnion, XXXX, and XXXX regarding their failure to properly address the inaccuracies in my credit report despite my formal disputes. I initially sent dispute letters to each bureau on XX/XX/2024, outlining the inaccurate information being reported. As of today, more than 30 days have passed, and no sufficient verification has been provided. The inaccurate items remain on my credit report, which continues to harm my financial standing and well-being. 

Disputed Accounts : XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) XXXX XXXX  XXXX ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) ** In addition : XXXX is also reporting an unknown account ( Account Number : XXXX ), which does not belong to me and must be removed from my credit report. 
Despite my attempts to resolve these issues, I have not received the requested evidence verifying the accuracy of these accounts. As required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, the credit reporting agencies must ensure maximum accuracy and reinvestigate disputed information in a timely manner.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  - Debt Final Rule 1002. 142 ( b ) ( 4 ) - 5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted .. company TransUnion XXXX please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (AZ)

In the XXXX XXXX XXXX, there was a promotion to sign up for the Apple credit card where if you spent {$2000.00} you would receive {$200.00} as a promotional credit. I clicked on the link in the XXXX XXXX XXXX  to apply, and it automatically opened the XXXX wallet app. I completed the application in the XXXX app and was approved. I met the spending threshold within the time allotted. ( see attached document ) Goldman Sachs, the issuer of the Apple Card has failed to credit the promotional amount. They are asking for proof that I signed up with that promotion, but I didnt take screenshots of the process because normally you dont have to. I suspect that their tracking from the XXXX XXXX app to the XXXXXXXX XXXX  application was broken, or they are purposefully not fulfilling the terms of the agreement with XXXX XXXX.
Consumer complaint received 2024-09-11
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 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.