davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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. (WA)

TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiry by XXXX XXXX To Whom It May Concern, I am writing to formally dispute the unauthorized hard inquiry that was placed on my credit report by XXXX XXXX  XXXX This inquiry is a violation of my rights under federal law, specifically under 15 USC 1602 ( p ) and 15 USC 1681c-2.

Violation Details : 1.Use of Information : I did not provide XXXX XXXX  with my consent to perform a hard inquiry on my credit file. The use of my personal information in this manner is unauthorized and fraudulent. 

2.Violation of 15 USC 1602 ( p ) : Under this section, the protection of consumers ' personal information is paramount. XXXX XXXX  violated this statute by accessing my credit file without proper authorization. 

3.Violation of FCRA Section 605B ( 15 USC 1681c-2 ) : According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to block the reporting of information resulting from identity theft or fraud within XXXX business days of receiving notice. The inquiry by XXXX XXXX  is fraudulent, and I expect it to be removed promptly in compliance with this law. 

Requested Action : I request that TransUnion immediately remove the unauthorized hard inquiry from my credit report. As FCRA Section 605B mandates, this fraudulent information should be blocked within four business days of receiving this letter.

This unauthorized inquiry has negatively impacted my credit score and has caused undue stress. I trust that you will handle this matter swiftly and in accordance with federal law. 

Please confirm in writing that the hard inquiry has been removed and that my credit report has been updated accordingly.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Dear XXXX, XXXX, and Equifax, I am writing to formally submit this notice of violation regarding the handling of my consumer credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically concerning your agencys negligence in ensuring maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 
1. Violation of 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy Your agency has reported an account related to XX/XX/XXXX which was charged off by the creditor. However, this account has been inaccurately and misleadingly reported on a monthly basis as " charge off, '' despite the fact that a charge-off is a one-time accounting event. 
Under 15 U.S.C. 1681e ( b ), you are required to adopt and follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The continued and repetitive monthly reporting of this charge-off fraudulently extends the negative effects of the event on my credit report and is materially misleading. 
2. Failure to Maintain Reasonable Procedures to Verify Information Provided by the Furnisher Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information, such as XX/XX/XXXX , are obligated to report only accurate and complete information. Your agency has failed to fulfill its legal responsibility to verify the accuracy of the information provided by XX/XX/XXXX. 
The erroneous reporting of both the charged-off status and the continued reporting of a credit limit on a closed and charged-off account is a blatant violation of your statutory duty. 
Such reporting is inherently inaccurate, as a charged-off account should not reflect a remaining credit limit, thereby misleading future creditors regarding the availability of credit on a closed and written-off account. 
3. Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition Against Inaccurate Adverse Reporting The FCRA under 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that is inaccurate or misleading. By continuing to report the charged-off status on a monthly basis, XXXX, XXXX, and Equifax is in violation of this provision, allowing misleading and inaccurate information to persist on my consumer report. 
4. Negligence in Addressing Disputes and Correcting Information Pursuant to 15 U.S.C. 
1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Despite prior disputes regarding the accuracy of the charged-off account, XXXX, XXXX, and Equifax has failed to undertake any meaningful investigation or corrective action, resulting in the continuous reporting of inaccurate information.
Consumer complaint received 2024-08-20
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 review my consumer report and noticed that I had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that theses payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I AM A 100 % SERVICE-CONNECTED XXXX XXXX XXXX XXXX WHO OPENED BOTH A CHECKING AND SAVINGS ACCOUNT ON XX/XX/year>2018 WITHOUT ANY ISSUES OR PROBLEMS WITH PENFED CREDIT UNION! 

ALL OF MY GOVERNMENT MONIES FROM BOTH SOCIAL SECURITY AND THE XXXX XXXX ARE DIRECT DEPOSITS TO THIS PENFED ACCOUNT! 

MY XXXX  MORTGAGE PAYMENTS AND MY XXXX  INSURANCE ARE ALSO PAID OUT BY DIRECT DEPOSIT TO THE RESPECTIVE PARTIES WITHOUT A PAYMENT MISSING! 

ON XXXX2024 THE PENFED CREDIT UNION FROZE MY ACCOUNT AND TO THIS DATE HAS NOT TOLD ME WHY OR ANY REASON OR ISSUE INVOLVED WITH MY ACCOUNT XXXX! 

THEY BY LAW HAVE NOT GIVEN ME A LETTER WITHIN XXXX HOURS TO DETERMINE WHY OR FOR WHAT REASON AND TO THIS DATE HAVE NO REASON INFORMED TO ME! 

ON XXXX2024 THE XXXX BANK RECEIVED MY DIRECT DEPOSIT FROM THE XXXX XXXX AND TOLD ME TODAY THAT THEY WERE CLOSING MY ACCOUNT IMMEDIATELY AND TO COME TO THE XXXX BANK IN XXXX, GEORGIA TO COLLECT A CERTIFIED CHECK. 

UPON ARRIVING AT PENFED CREDIT UNION I WAS BOUNCED XXXX  TIMES BETWEEN OFFICES INSIDE THE BRANCH AFTER A XXXX WAIT -WAS TOLD THAT THE XXXX DEPARTMENT STILL HAD TO CLEAR THE BACK OFFICE INTERNAL HOLD AND TO RETURN ON XXXX2024 TO TRY AGAIN! 

THEY NOW TELL ME THAT THEY CAN NOT GIVE ME A LETTER AS TO THE REASON WHY AND THEY MAIL IT TO ME WITHIN XXXX  DAYS -HOWEVER, THE LAW STATES A LETTER MUST BE GIVEN WITHIN XXXX HOURS! 

I MUST HAVE A REASON WHY MY ACCOUNT WAS CLOSED TO FORWARD TO MY XXXX  MORTGAGE COMPANY AND MY XXXX  XXXX MORTGAGE INSURANCE. 

PLEASE CONTACT ME REGARDING THIS ISSUE FOR A RESOLUTION IMMEDIATELY, THANK YOU AGAIN FOR YOUR TIME AND ATTENTION IN THIS MATTER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX
Consumer complaint received 2024-08-18
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)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (NC)

Today is : XX/XX/year> Yesterday, I activated a cash advance of {$XXXX}. I received the cash, but due to a " back office dispute, I was MASSIVELY overcharged and have at least XXXX transaction for cash advancement that was not placed. 

Yesterday, I called the credit card company ( XXXX XXXX ), and at least twice when I asked over the phone " Is this ~ {$XXXX} in credit spendable. ( I asked this because I JUST exited my hotel room at The XXXX @ XXXX, and the purchase was at least {$XXXX}. 

They again confirmed and that charge WAS pending on my credit card balance of credit availability. 

So, XXXX I spent some money on a suit and some jewelry thinking I have the credit to do so... 

This morning, I woke up and checked my accounts ; {$XXXX} credit limit, and I had not spend more than {$XXXX} XXXX. I called both The XXXX and XXXX XXXX and even though I was in a banking career for XXXX, and have had active checking for about a decade now with XXXX XXXX 

Now, due to their lack of education or technical disputes, I am $ XXXX {$XXXX} over my credit limit on that card. I could have very easily put the brakes on my spending, Yesterday, and thought I was in the clear. 

Their reconciliation process leaves much to be desired, because you don't actually know how much you have spent. 

In addition, my card has been declined before this incident, this last week, buying minor purchases ( coffee, water, XXXX XXXX ). 

About a month ago, XXXX XXXX neglected to tell me via any method of contact about the interest accural on my XXXX  card ( for cash advances ) was daily... not weekly or monthly. 

I have accounts elsewhere and have not had these issues with any of them upto this point. 

The XXXX @ XXXX, XXXX have not charged we at time of booking ( in which I should have had a discount given my XXXX works for XXXX ). and then the put an authorization hold on that same card for room and incidentals. 

I called them today and told me the hold release is dependent on my bank. I called the bank and they said it was The XXXX causing the problem. Paradoxically. 

So I am complaining today over XXXX XXXX, XXXX, and the XXXX @ XXXX. 

I need this to straighten out. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-08-18
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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries from my credit report. These inquiries are fraudulent.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-15
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. (TX)

I have consistently tried to resolve the fraudulent, incorrect, and deceptive information on my consumer report, but the problem persists. These entries have severely affected my daily life, resulting in substantial emotional distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-19
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

The 3 agency 's XXXX, XXXX, experian it's a dispute with them one XXXX. I have over 32 accounts opened.I want file a cease and desist letter on all three agency 's. See some debt collection I want to see all the orginal agreements with the proper seals and signatures issuing not photocopy .I want to use these codes for the false claims act they are 3729 15 us 1692g, repossession 15 us1601, collection 15 us 1692c, hard inquiries 15 us 162, and to discharged debt 1099 old and 1099a to cleared the debts on my reports
Consumer complaint received 2024-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I enrolled in the SAVE plan when consolidating my loans under the PSLF one-time waiver on XX/XX/year>, and my payments should be in temporary administrative forbearance due to the ongoing legal challenge. However, I recently received a letter by mail from MOHELA indicating that my student loan payment is past due. When I log into my online dashboard, my account information is missing and it redirects me to a page stating " System-Platform Transfer Notice. '' Even if my payments weren't covered by the administrative forbearance, I haven't received any billing communications from MOHELA indicating that a payment was due. I've tried calling MOHELA on many occasions but can never even speak with an agent due to 3+ hour wait times. I am a working professional and can not spend my entire day waiting on hold for an agent who likely can't even answer my question ( based on my prior experiences with this company ). I am very concerned that MOHELA will report my account as delinquent to the credit bureaus and potentially move me into default if my account was erroneously placed in repayment status, as indicated by their letter.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Hi my name is XXXX XXXX XXXX and I am creating this complaint today to address the accounts repairing to my profile that are unauthorized without my consent. These accounts are negatively impacting my credit score and hurting my name. I have tried to contact all three credit bureaus to remove these accounts and I am placed on hold for hours. They do not respect me and I am doing my best. Now I am frustrated here. I need these removed! And blocked from my credit profile PLEASE HELP ME
Consumer complaint received 2024-08-18
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)

This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am deranding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( Equifax ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX & XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX ( XXXX )
Consumer complaint received 2024-08-18
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)

Hello, the complaint filed on XX/XX/2022 via CFPB with XXXX took longer than 30 days to be resolved. I am requesting to have the bankruptcy deleted from my credit report as the company, XXXX failed to provide the method of Verification. I contacted both the US Bankruptcy court and XXXX XXXX both claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFED.

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA MUST REMOVE OR CORRECT INACCURATE OR UNVERIFIED INFORMATION FROM ITS FILES, USUALLY WITHIN 30 DAYS under 15 USC Sec 16811i ( a ) I have enclosed their letter for your inspection. Please DELETE this item from my credit report as it is NOT verified.