davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (FL)

i have been a victim of identity theft for the past 6 years and i have done everything in my power to protect my identity. unfortunately i became a victim of identty theft and i have been fighting this nasty problem for the past few years and i have reached out to all the credit reporting agencies and the creditors and the CFPB, and i was let down by the results and im still fighting this matter because i belive i have rights! .i can not afford an attorney to fight the fight against identity theft so i am respectfully asking for your assistance in this serious matter. 
there are 2 fraudulant account that are currently reporting on my credit report that i despreatly need removed. 
XXXX ) XXXX XXXX XXXX ( opened fraudulently ) XXXX ) XXXX XXXXXXXX XXXX  ( opened fraudulently )
Consumer complaint received 2024-09-27
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)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-09-27
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. (OH)

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX  Date Opened XX/XX/XXXX {$460.00} XXXXXXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX {$9400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$38.00} XXXX XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-05-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (CA)

Hello, On XX/XX/2023 I sent in a notice for validation of debts to SANTANDER CONSUMER USA. ( All proofs of mailed delivery signed certified mail is included in the documents section of this complaint. ) It has now been 60+ days since that initial letters delivery, they DID NOT provide me with the required information under 12 cfr 1006.34 to validate that I owe any debt. I gave SANTANDER CONSUMER USA an opportunity to cure. They have not responded and they are furnishing my information to the major consumer reporting agencies. 

I'm writing to you to document their default in proving I owe any allegate debt and I am seeking remedy. 

I've attached proof of violations, an invoice, and the specified remedy I am seeking in the documents section below. 

If they do not respond promptly I will have no choice but to file suit. 

Thank you, all information from all presentments from XX/XX/XXXX to today is attached below. 

XXXX XXXX
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (NJ)

I had a debt with Wells Fargo for a credit card I owed on. I attempted to settle and negotiate but could not come up with the funds at that time. Once I could, I attempted to contact Wells Fargo but they said it was sent to a debt collector. I had funds to settle what they offered, however they refused. XXXX XXXX XXXX was retained by Wells Fargo and I had no idea. Supposedly, they attempted to contact me but NEVER left messages nor did they notify me who they were and what they were doing. I finally found out and contacted XXXX XXXX XXXXXXXX. They refused to negotiate. I retained XXXX XXXX of XXXX XXXX in NJ. He made some headway via emails. They asked what my expenses were in late XXXX. I gave them to XXXX and he sent them to XXXX XXXX  XXXX. He has not heard anything and they refuse to communicate with my attorney since then. 

I have made the best attempt to work with this law firm, yet they fail to do the same.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-09-23
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Closed : XXXX XXXX {$770.00} Collection : ( Original Creditor : XXXX XXXX XXXX XXXX {$370.00} Charge Off : XXXX XXXX {$0.00}
Consumer complaint received 2024-09-23
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. (OH)

This account was opened back in XXXX. I had some issues with my account with charges that was not mine. On XXXX of XXXX XXXX written off account. A charge off was done in amount of XXXX. XXXX sent me my XXXX to claim on my taxes XXXX. I disputed it because they keep reporting in on my credit report. I called XXXX they said there is still a balance. Once written off there is no way it can still have a balance. After my dispute. XXXX did another charge off for the same amount XXXX. I have sent XXXX as my proof of this company charge off. The credit bureau does not want to remove off my account. This in not correct information that is being reporting.
Consumer complaint received 2024-09-23
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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 formally dispute the accuracy of certain information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This law grants consumers the right to dispute inaccurate information in their credit reports and requires credit reporting agencies to conduct a reasonable investigation.

Due to the recent data breach at Equifax, I am particularly concerned about the accuracy of my credit report. Recently, Equifax announced that its systems had been breached, exposing the sensitive personal data of XXXX XXXX Americans. This breach included names, home addresses, phone numbers, dates of birth, Social Security numbers, and driver 's license numbers. Additionally, the credit card numbers of approximately XXXX consumers were compromised. Given the unprecedented scope and severity of this incident, it is crucial that my credit report reflects accurate information. 

I previously attempted to resolve this issue, but it remains unaddressed. I request that you investigate the following accounts listed on my credit report : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I believe that this information may be inaccurate due to the data breach and request that it be deleted from my credit report if it can not be verified as accurate. Please provide me with a copy of your findings and any documentation regarding your investigation.

As a consumer, I have the right to dispute any inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response within the statutory 30-day period.
Consumer complaint received 2024-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (FL)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted :XX/XX/XXXX
Consumer complaint received 2024-09-28
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. (GA)

I am reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

I attempted to place a credit freeze online but was unable to do SW. 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 ). NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following account : XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) Acct Number XXXX Balance : {$2000.00} XXXX XXXX Acct Number XXXX Balance : {$0.00} XXXX  XXXX Acct Number XXXX Balance : {$0.00} XXXX  Acct Number XXXX Balance : {$0.00} XXXX XXXX  Acct Number XXXX Balance : {$2600.00} XXXX Acct Number XXXX Balance : {$560.00}
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of XXXX  stated that they did not provide information to Transunion and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC (TX)

I am filing a formal complaint against American Credit Acceptance ( ACA ) regarding my auto loan for a XXXX XXXX XXXX ( Account No. XXXX ), co-signed by my ex-wife, XXXX XXXX, and myself. Despite being the primary borrower, ACA has failed to communicate critical actions affecting this loan, severely impacting my financial health and credit score. 

Key Issues : Unauthorized Loan Reinstatement : In XX/XX/XXXX, I voluntarily surrendered the vehicle to ACA due to the loan being significantly upside down. At an unknown point, ACA allowed my ex-wife to redeem the vehicle without my knowledge or consent, violating my rights as the primary borrower. At no point was I informed, nor did I provide consent, for the loan to be reinstated. I was not given the opportunity to decline responsibility for the loan after surrendering the vehicle.

Lack of Communication and Access : ACA has denied me access to the online account and any account information, despite multiple requests. Attempts to obtain statements, redemption details, and explanations have been ignored or denied. ACA sent police report forms without clear instructions or justification, which appears to be a stalling tactic. ACAs refusal to provide me with critical account information and its failure to notify me of significant actions related to the loan represent a violation of my consumer rights to transparency and fair treatment. As the primary borrower, I was entitled to clear, timely communication regarding the status of the loan and vehicle. 

Negative Impact on Credit Score : My ex-wife has missed payments on the loan, causing significant damage to my credit score. The ongoing financial instability caused by ACAs failure to properly communicate and resolve this issue has resulted in significant emotional and financial distress, further impacting my ability to secure necessary financial services, including another vehicle loan. 

Attempts to Resolve : On XX/XX/XXXX, I sent an urgent email to ACA requesting immediate repossession of the vehicle and expressing concerns about unauthorized payments. Despite multiple follow-up emails and phone calls, I received no satisfactory response. Instead, ACA sent me police report forms without clear instructions on how to proceed.
Consumer complaint received 2024-09-28
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 is really concerning as applications were done in my name without my knowledge and consent, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (AL)

I bank with PNC I had disputed two charges made to XXXX on XX/XX/year> for XXXX and XXXX XXXX they said the response was in the mail 15 days ago and I filed the dispute on XXXX said it would take up to ten days. To date nothing but rudeness and ignorance. I was going to open a policy with XXXX but found the premium was outrageous so I canceled within the 30-day grace period as the agent told me but continued to withdraw the downpayment and the first month 's payments of XXXX and XXXX made my checking account go crazy and just recently they charged me XXXX for an expedited Debit card without getting the permission from me then when confronted they called me a liar embarrassed me and I will be changing banks as soon as these issues are resolved. I think a lot of their practices with customer service should be investigated Thank you for your time in this matter XXXX XXXX
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (TN)

On XXXX, XX/XX/year>, I received a notification that an unauthorized charge was made using my account in the amount of {$1000.00} to XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX ). I did not make this payment nor have I been to TX. I also accrued three {$20.00} overdraft charges which caused my account to be - {$100.00}. I called my XXXX  ( XXXX ) and filed a dispute as well as canceled the card. I also contacted my local police department ( XXXX  ) and submitted a complaint. The complaint was rejected and I was told to file a complaint with the FBI due to the interstate fraud. I then filed a report with the FBIXXXX
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

FNB Omaha # XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  # XXXX XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.