davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
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. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-25
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. (NY)

They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX  {$690.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  {$590.00} XX/XX/XXXX XXXX XXXX  {$4900.00} XX/XX/XXXX XXXX XXXX {$840.00} XX/XX/XXXX 2022
Consumer complaint received 2024-08-01
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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2024-08-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (KY)

We have tried numerous times to resolve our late payments. I have been paying 1 month behind recieving late fees month over month. Through the website it says do you need assistance then after entering the info it says wait you need to call. Call and jump through hoops and we are denied and no one can say why only the computer says. Early on we had deferments so maybe no more available but if that is the case why suggestion on the payment page and why cant someone just tell me. 

We also do not get statements and they are not available online either. We are nearing the end the account and there is also a random XXXX other fee with no explanation. 

I tried to multiple times to email this inquiry through the website with messages that said cant complete my request.
Consumer complaint received 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXXXXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX  {$820.00} XXXX XXXX XXXX {$9800.00} These are not my accounts . i have no knowledge of the inquiries and accounts listed. 15 USC 1681b. i am requesting these items be removed from my credit report within 24-48 hours.
Consumer complaint received 2024-07-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: REGIONS FINANCIAL CORPORATION (ID)

On XX/XX/year> We sent over a Termination Request to XXXX. We were told by them that this process could take XXXX to XXXX days. On the XXXX day. We sent and email asking for an update. No response was received so we called and we were told that no email was ever received which made no sense as we verified we had the correct email address. We were told to resend the email and that they would put a rush on it/basically expedite it. We were told XXXX to 4 days. today is day number XXXX and nothing has been done on the file, I was told today that it might be XXXX to 60 days that basically they were very busy and they have no idea when the Termination will be completed. This is the only thing that is holding up my refinance as it can not be process until the Termination is completed. I have asked to speak with a supervisor and i have been repeatedly told them there is no one else to talk to so i am finally this complaint to hopefully get this resolved.
Consumer complaint received 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, I discovered that my Wells Fargo accounts were affected by identity theft. Following the XXXX XXXX  data breach, unauthorized accounts and credit lines were opened in my name, causing significant financial disruptions. 

Timeline and Actions Taken : XX/XX/XXXX : Changed my phone number but did not update Wells Fargo immediately due to not being the primary account holder. 
XX/XX/XXXX : Noticed unauthorized changes to my phone number at Wells Fargo, complicating account security. 
XX/XX/XXXX to Present : Repeatedly updated my phone number and address with Wells Fargo branches to secure accounts, only to find changes reverted back to compromised details. 

Fraudulent Accounts and Activities : Multiple fraudulent credit card accounts and checking accounts were opened without my consent. 
Discovered unauthorized transactions and fraud when visiting Wells Fargo branches. 

Credit Bureau Manipulations : Unauthorized individuals have accessed and manipulated my credit profiles with XXXX, XXXX, and XXXX, resetting PINs, security questions, and changing contact details. 
I am actively disputing fraudulent accounts and transactions with the credit bureaus. 

Impact and Requests : These fraudulent activities have devastated my financial stability, lowering my credit score and causing significant emotional and financial strain. 
I am requesting Wells Fargo to review my case, dismiss the lawsuit for the fraudulent credit card balance, and correct the records to reflect the identity theft. 

I have consistently reported these fraudulent activities to Wells Fargo branches and cooperated with investigative processes, but the ongoing unauthorized access to my accounts has made securing my personal information challenging. I am prepared to provide further information to expedite the resolution of this matter.
Consumer complaint received 2024-07-25
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)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c-2 ) 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 4 ' business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX or XXXX XXXX or whichever date because this account shows different dates conflicting on any truth to understand the exact date under the account number ( XXXX ), another personal credit card account opened at XXXX XXXX  on XX/XX/XXXX or XXXX XXXX or whichever date because the data furnished for this fraud account has different information being publicly furnished under the account number ( XXXX ) and furthermore examined another XXXX XXXX account opened at XXXX XXXX on XX/XX/XXXX or XXXX XX/XX/XXXX or whichever date as multiple dates are XXXX publicly furnished under multiple agencies under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've have not attached a list of the hand inquiries in questions 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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. this has been Reported with the XXXX XXXX XXXX XXXX Police station in the United States Of America California Republic
Consumer complaint received 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently obtained a copy of my credit report and noticed that i have some hard inquiries that i did not authorize. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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. (TX)

I am writing to express my serious concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to see any resolution or corrective action taken. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative impact of these inaccuracies has caused immense hardships, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a thorough investigation be conducted into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hi Equifax, I don't know what is going on here. I just received a copy of my credit report today and I found this fraud collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THAT shall delete from my credit report. I never have XXXX  phone and also this is the first time I seen this fraud collection without an opened date. I would like to know how this account was opened and my wit of signature because this is a fraud collection opened without my knowledge.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hi Equifax, I don't know what is going on here. I just received a copy of my credit report today and I found this fraud collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THAT shall delete from my credit report. I never have XXXX phone and also this is the first time I seen this fraud collection without an opened date. I would like to know how this account was opened and my wit of signature because this is a fraud collection opened without my knowledge.
Consumer complaint received 2024-07-31
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. (NC)

On XX/XX/XXXX, I contacted Equifax via phone to find out why Im having trouble accessing my credit report with them. Between the months of XXXX, XXXX, XXXX Ive sent multiple letters to dispute inaccurate and fraudulent information that was on my credit report, I also provided police reports along with an FTC report all while verifying my identity. Equifax has been reporting my birthdate as XX/XX/XXXX since Ive checked It in XXXX of XXXX. Ive submitted the proper documentation showing my identity with my real birthdate which is XX/XX/XXXX. Under the FCRA Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Equifax never investigated my birthday as being inaccurate they just decided to leave it as is. Reporting inaccurate information on a consumers credit report is violating my rights Ive ask Equifax numerous of times to remove any and all inaccurate accounts and personal information off of my account and they always say they have verified it as accurate. If this behavior continues to go on and threaten my creditworthiness, I will have to take legal action. All I want is for my credit report to have accurate and correct information.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-25
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has obtained my nonpublic personal information through fraudulent means and financial identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization for the purpose of monetary gain through extortionate means. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has intentionally and knowingly omitted and distorted facts regarding consumers nonpublic financial information in exchange for monetary gain. This misuse of nonpublic financial information for a fraudulent financial action was publicized by Transunion, LLC through a consumer file. In XXXX of XXXX, consumer received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via U.S. mail service to defraud consumer which has caused consumer financial harm and brought injury to the consumer. This unauthorized publication has deprived me of right to privacy, caused significant harm resulting in financial loss, loss of opportunity, defamation of character, subsequent mental anguish, and has exposed me to the risk of further financial identity theft. Here is a list of Tennessee State statutes and United States codes that were violated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/or Transunion, LLC Tennessee XXXX XXXX ( XXXX ), Tennessee Code XXXX ( XXXX ), ( 18 USC 894 ), 18 USC 1028A ( a ), 15 U.S. Code 6802, ( 18 USC 242 ).
Consumer complaint received 2024-07-25
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-25
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. (TX)

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

The account was opened in XXXX and was charged off in XXXX. Two internal investigations were led for my fraud application and they confirmed that they used public records to confirm my information on the application is correct when they had the wrong phone number and email. The phone number they claim they found on public records is not my phone number and is not the same email I use and still they denied my fraud application and deemed it invalid. 
They claim that I made a payment in XXXX but I never called or made a payment. 
I never opened the account or used the account.