davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

An unknown person opened a credit card under my name with the company XXXX XXXX. This was not me who signed up for this card. They spent over the limit on the card. It was opened in XXXX and I figured it out by looking at my credit report with a new inquiry. This significantly dropped my credit score. I called XXXX XXXX and theyre opening an investigation.
Consumer complaint received 2024-11-15
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)

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 XXXX 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 2023-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Admin Recovery, LLC (FL)

Address for service of lawsuits To : Admin Recovery , LLC. Re : Your XX/XX/ correspondence in violation of my cease & desist notice as to XXXX XXXX XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, 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. (CA)

In XX/XX/2022 I approached a XXXX dealership in XXXX California with a preapproval letter from XXXXXXXX XXXX XXXX XXXX  I put a XXXXXXXX XXXX from them through an auto financing, however, on my credit report showing in XXXX an inquiry from XXXX XXXX XXXX XXXX on XX/XX/2022. I never gave them permission to run my credit as I was already preapproved via XXXX XXXX XXXX XXXX. This inquiry from them is fraudulent and needs to be removed immediately
Consumer complaint received 2023-06-01
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: Upgrade, Inc. (RI)

On XX/XX/XXXX, I applied for a rewards checking account and a credit card with Upgrade. Through XXXX XXXX there was an advertised bonus for {$500.00} if both were opened and XXXX transactions were completed with the debit card that came with the checking account. The checking account was approved that day, but the credit card was not approved until 8 days later. After completing the terms of the agreement and contacting Upgrade customer service they stated that I now had to use the credit card for a few months in order to receive the bonus. I completed those terms and paid the monthly bill on time for multiple consecutive months. 

On XX/XX/XXXX, I again contacted customer service asking why the promotional offer had not been honored. The customer service agent stated that because the checking account and credit card were not opened on the same day that the offer would not be honored. The credit card was not approved until 8 days later, even though that was the product that I had applied for first. 

Upgrade is refusing to pay out a promotional offer with deceptive practices. The accounts were opened in the order which the terms stated, but by not approving the credit card days later they can avoid paying out the promotions.
Consumer complaint received 2023-08-03
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-12
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-09-12
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. (OH)

On XX/XX/23 I reported to all 3 credit bureaus that there was incorrect information on my Credit Report. XXXX resolved the issue in 3 days. XXXX resolved it in 1 hour. Transunion after two disputes and several phone calls including several documents along with the same information I submitted to the other 2 agencies Transunion refuses to remove the negative reporting. I don't understand how 2 agencies can look at all the same information and make immediate decisions and Transunion just takes the side of the lender who is reporting the information. This has resulted in me being denied Homeowners Insurance and also paying additional fees and rates for a Mortgage.
Consumer complaint received 2023-08-03
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. (IL)

I, XXXX XXXX XXXX, a Natural Person, am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g , to inform you that I protest the alleged account/negative activity associated with my credit report. I submitted a dispute to Equifax, XXXX and XXXX on XX/XX/XXXX. Companies responded that all information was true and accurate. This is not a Fact. I disputed a bankruptcy listed on all 3 reports. The dispute came back as verified by all three bureaus. XXXX XXXX XXXX has been listed on my credit report as being a part of the bankruptcy since XXXX. XXXX, Equifax and XXXX have furnished false information on my report for almost 5 years. As you can see in complaint # XXXX XXXX XXXX XXXX confirmed that they were never included in the alleged bankruptcy. This response was sent to the CFPB on XX/XX/XXXX. This is 60 days after I was told all information is accurate, in which is not the case. Equifax, XXXX and XXXX have violated 15 USC 1692ga validation of debts. This violation has caused me mental anguish and stress. Equifax, XXXX and XXXX are in violation of 15 U.S.Code 1692 ( k ). please delete this alleged bankruptcy and all accounts associated with alleged bankruptcy.
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (LA)

about a year ago my service was canceled with XXXX XXXX XXXX XXXX  amount at that time was around XXXX I had no cable the service was canceled due to me being out of work due to XXXX so now this account has gotten sold to a company called XXXX who constantly calls me from numerous numbers they called me 4 times today XXXX from XXXX approximately XXXX XXXX back to back XXXX and XXXX they called me saturday from XXXX at XXXX XXXX i spoke to someone on XX/XX/XXXX approximately XXXX about how im not paying almost XXXX when my service was cancelled at XXXX i told her to no longer call my phone this company uses multiple numbers that are not linked to them uverse is no longer a active service with XXXX XXXX XXXX  any more i have XXXX and i dont appreciate these tactics at all i told them this
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I have been a customer of XXXX, which recently was acquired by U.S. Bank. On Saturday XX/XX/XXXX, I was frozen out of any access to my online checking account, such that I could not even check my balance. By Tuesday XX/XX/XXXX, access was back up only if I filled out a form to create a U.S. Bank online account. However, I have not received my debit card in the mail, and U.S. Bank ( as my bank now is ) cancelled my XXXX debit card, so that I can not pay bills, withdraw cash, or otherwise have access to my money. This was compounded by the servers for online banking crashing for U.S. Bank, such that I currently have no debit card or access to online banking, putting me in unexpected financial precarity. I would respectfully submit the bank failed in its duty of care to customers during the merger, when these foreseeable problems should have been anticipated and avoided. The handling of customers has left me and many other XXXX customers financially adrift, and is far below standard to which any financial institution ought to treat customers.
Consumer complaint received 2023-09-12
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC (FL)

I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and associated details are not reported on my consumer report, as their inclusion violates both the FDCPA and FCRA. I insist that you take immediate action to delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. Please proceed with the removal of these accounts and information without delay.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am deeply concerned about Equifax 's noncompliance with the Fair Credit Reporting Act ( FCRA ). Specifically, they have disregarded my request for the removal of inaccurate accounts from my credit report, in direct violation of federal law. 

The problematic account details are as follows : ACCOUNT : XXXX XXXX XXXX XXXX - {$8800.00} - XX/XX/2020 I have informed Equifax multiple times about the inaccuracies in this account. They persist in reporting incomplete and incorrect information. Federal law mandates that consumer reports maintain maximum possible accuracy, per 15 USC 1681e ( b ), defined as " correct in all details ; exact. '' Equifax 's reporting falls short of this standard.

Furthermore, 15 USC 1681i ( 6 ) requires Equifax to notify me of the results of a reinvestigation within five business days, but they have failed to do so.

As the original creditor, I alone can validate this debt, which I do not. Hence, I demand the immediate deletion of these accounts from my consumer report. 

I respectfully request CFPB intervention to ensure Equifax 's compliance with federal law : Conduct a thorough reinvestigation.

Provide written notice of results within the required timeframe. 
Delete inaccurate and incomplete account information promptly. 
Your involvement is crucial to rectify this matter, protect my consumer rights, and hold Equifax accountable for FCRA violations. 

Also as I stated before Equifax actions seem like they careless or disregard the CFPB and federal law. As I stated before I am the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately :
Consumer complaint received 2023-09-12
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: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of anxiety
Consumer complaint received 2023-09-12
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)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 i call CAPITAL ONE customer service to report 6 transactions unauthorized on my account. Because I lost my hand bag on XX/XX/2023 including my phone and my debit card of CAPITAL ONE. 
I lost {$720.00} in my debit card. 
After that day, I can't login to access my account anymore, CAPITAL ONE still keep the same phone number to login ... .so at that way theft can access to my account easy than steal money from my account again and again..until. XX/XX/2023, I try so hard to talk to customer service to report I CAN NOT ACCESS TO MY ACCOUNT.. THEFT have alot of time access to my account steal my money. 
I lost {$720.00} in my checking account, even though i provides all documents proof this is FRAUD TRANSACTIONS because fraud happened at XXXX XXXX ( I never have relationships with that bank ) I provides identity theft reports to FEDERAL TRADE COMMISSION including POLICE REPORT. 
In the law, I under protection i not be responsible for charges i did not authorized. CFPB please help me to resolve this issue with CAPITAL ONE. BECAUSE, I CAN'T RESPONSIBLE for charges I didn't make!