davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I mailed 2 separate certified mail request validating debt. XX/XX/XXXX XXXX and XX/XX/XXXX. The first response was the lease and no other validation credentials that the debt belongs to me. I mailed a second certified mail request for validation and the company failed to respond. I called the company today and they indicate they do not own the debt or have the authority to remove from my credit report. I tried to rectify the debt with the client of the collection agency XXXX XXXX XXXX and XXXX XXXX says they do not own the debt and I must call the Collection agency. Shouldn't the collection agency not have the authority to collect a debt they failed to validate from my certified mail request? 

This debt pertains to a divorce and moving from the property during covid shut down. Account name FAIR COLLECTIONS & OUTSOURCING Account number XXXX Recent balance {$4000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

I signed up for two bonuses more than 4 months ago, the XXXX bonus for XXXX  account and the XXXX bonus for saving account. However, I received neither of them. Please take a look into this matter. 
Checking account number : XXXX Saving account number : XXXX
Consumer complaint received 2024-07-26
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (IN)

I am been trying to get into contact with TD retail card services/yard card, to be able to pay my bill but they are not answering phones. There is no other way to get ahold of them to pay. This has happen from XXXX, I have called and waited on the phone for over an hour several time 's, and no one will answer. Their automated system said it doesnt recognize my phone number anymore, its the same number that been on their record since I have opened my credit card with them. I have no way of paying my payment when its due now, and they will charge me a late fee, and report to the credit bureau. I am unable to log on to my account online because I am unable to get my account number from them.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank took the funds from my joint account with my husband and applied it to an early access loan attached to my sons checking account, which I am joint signer. The bank does not allow a signer to be removed from an account and forces you to close an account to open a sole owned account. I have nothing to do with my sons account other than I am still listed because of the banks policy. They took my husbands entire check causing the account to overdraft because I have my bills to take care of.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MN)

On Thursday, XX/XX/XXXX my boyfriend sent me XXXX payments Through his mobile banking App XXXX XXXX XXXX the first payment made was {$25.00} and the second payment made was {$1.00}. He got email confirmation that the payment had been sent and processed, but I never received anything in my bank account. I usually get notified when I receive a XXXX payment but I was not notified so I checked my activity center and they had no list of Those payments coming through.
Consumer complaint received 2024-07-03
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. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

Coinbase has a feature that enables you to send XXXX to certain addresses and limit it to the addresses on that list. This morning the allowlist disappeared completely. This means any crypto you buy you can not send it anywhere. This makes it unable to access your money in certain circumstances and in others it makes you unable to move the crypto off the exchange.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file, hindering my ability to lead a normal life, and causing immense hardships. 

The negative impact of these inaccuracies has been profound, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a comprehensive investigation 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 2024-07-03
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. (DE)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-06-10
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX  XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX, XXXX XXXX Balance : {$4300.00}, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2023-05-26
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-31
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: EQUIFAX, INC. (FL)

This is the second time my information was used in Equifaxs  data breaches. This will be a legal action, if Im not compensated for my information being prior exposed in XXXX and also in XXXX, XXXX for yet another data breach. I have previously disputed fraudulent/ unauthorized hard inquiries and accounts with Equifax XXXX I am a dissatisfied consumer and have previously added a a security alert on my credit report due to fraud. All of this has been a nightmare, has been an inconvenience and definitely has limited my trust with the credit bureaus. Tax dollars are being used to provide to credit bureaus so consumers information such as social security numbers, addresses, phone numbers, names, DOB and employer information can be protected. I am requesting for Equifax to give me peace of mind for all of the stress and previous disputes they have received by me or legal action with be conducted. Please see document below which I am affected by another data breach in XXXX from Equifax. I refuse to send any personal information/ documents via mail as this is how personal information is stolen. I am a displeased consumer who should receive a settlement for prior disputes, all inconveniences, data breaches that have exposed my information throughout the Web and across the world to unknown people and sources.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2024-07-03
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)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-07-03
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-07-03
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. (NC)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My consumer report contains accounts linked to identity theft, which I never authorized with a written signature. Following my recent communication with your organization, I formally request the immediate blocking and removal of these accounts from my report. Their presence has caused significant distress and inaccurately represents my credit history. If not addressed properly, I'm prepared to take legal action. These fraudulent entries have impeded important financial goals, including home purchase and family needs.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NV)

My first complaint was resolved after you contacted them. 
You closed my complaint # XXXX because " it has been resolved ''. 

Please note that above complaint is a totally different problem. 

So they gave me the credit of {$1000.00} after 4 months, however that charged attached account {$1000.00}. Attached account is firstly a closed account and second charged me the {$1000.00} that they credited to my then open account. 

I am therefore not paying them a dime BUT I am afraid that they might report me to the credit bureaus as " late payment ''. 

PLEASE help me on this one. I feel that they are intentionally doing this to harass me. I am getting stressed out by them. I have also waste a lot of time since the credit issue. 

Thank you.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Citibank denied unauthorized transactions a clear violation of reg E. On their denial it states " by law I am entitled to the investigation Information '' they refuse. They break the law all day and no one does anything about it. I need their investigation documents.asap
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I received an alert from the credit bureau that my address had been changed. I didnt know such thing. After researching, I found that the address that was changed was my mother-in-laws address in XXXX I live in XXXX XXXX. Ive had the same address for XXXX years. XXXXXXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 
By changing my address at Experian and the other credit bureaus mail has been forwarded to my mother-in-laws address in Texas. My credit score dropped XXXX points because they closed my card when I made an inquiry of why they changed my address. Ive been with them since XXXX, which is milestone credit card, never missed a payment or had a problem. All I asked was that they would take that address off of my account and at the credit bureau. In response, they canceled by credit card and reported closed. How do I get my address put back on the credit bureau?
Consumer complaint received 2023-06-10
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. (CA)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance XXXX XXXX  XXXX .... Balance - XXXX XXXX XXXXXXXX XXXX XXXX. Balance - {$970.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX .... Balance - XXXX XXXX XXXX XXXXXXXX .... Balance XXXX {$970.00} XXXX XXXX XXXX Balance - XXXX XXXXXXXX ... XXXX Balance - XXXX XXXX XXXX XXXXXXXX .... Balance - {$970.00} XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-06-18
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. (AL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$41000.00} XXXX {$5400.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX