davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NC)

I was checking my consumer report and I realized theres a few inquiries that I did not authorized. In accordance with the FAIR CREDIT REPORTING ACT, I hereby request an investigation into these unauthorized inquiries from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX all these inquires on XX/XX/XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX all these inquiries on XX/XX/XXXX Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. 
The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I submitted a XXXX payment from my Capital One checking account. The amount was for {$1800.00} and the intended recipient was XXXX XXXX. XXXX XXXX never received the payment but the money was deducted from my checking account. Capital One never notified me of a problem with the online payment. It wasn't until I checked my XXXX XXXX account on XX/XX/XXXX that I noticed the payment was not received. I immediately called Capital One and was told that they could see there was a problem with the payment. The representative had no other information regarding what happened or where the money was, or why they had not notified me of a problem. I asked to speak with a supervisor. I was speaking with for a very brief time when we got disconnected. She never called me back. I called Capital One again on XX/XX/XXXX and spoke with another representative. I informed her that I had set up a claim but that the money had still not been put back in my account. She transferred me to the claims department who told me that it was being investigated and it could take up to 10 business days. I told them I found it completely unacceptable that they had taken {$1800.00} of my money and not returned it. It has now been almost a full month since the payment was initiated. 10 days since I set up the claim with Capital One and still I do not have my money back!
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

So XX/XX/XXXX and XX/XX/XXXX i have a transaction to buy a shoes and this guys is legit on XXXX  big sneaker group so we talk and agreed on a transaction. So i send him the payment for the first shoe and added a another one. But then the next day he started ignoring me and eventually blocked me on XXXX. So i went to to cash app and file for dispute, and to my bank " bank of america '' but they ended up decided siding with the scammer and dont want to give me a refund. They keep on insiting to contact the merchant for a refund, the guy blocked me and I keep on telling them that. I reported it as fast as I can do it. Hopefully you guys can help me with my problem. Scammed amount was XXXX $ and XXXX $ that the bank refused to reimburse me. I have proof and conversation if needed.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (FL)

XX/XX/XXXX and XX/XX/XXXX I have requested a transfer of funds {$160000.00} from Marcus by Goldman and can not have funds transferred. I spent hours on both XX/XX/XXXX and XXXX giving the bank my info and calling my banks XXXX  and XXXX XXXX to verify my identity and was told both times money was being transferred. The funds came from a XXXX XXXX  XXXX accounts to XXXX  XXXX. I then transferred XXXX K to Marcus to set up XXXX. They did not make my funds available for a week until their XXXX  rate dropped. I do not want to do business with Marcus and now can not transfer my money from Marcus to XXXX  or XXXX  which they said a transfer was being processed both times.
Consumer complaint received 2023-11-28
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. (PA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion upon calling informed me to issue an FTC report and then dispute my hard inquiries that are appearing on my credit. I never gave anyone any authority to do or make any hard inquiries on my credit but yet these following lenders or organizations have pulled hard inquiries. I doesnt give them any authority to do such things and I appeal TransUnion to simply to remove these inquires as I requested on the phone multiple times and via mail or else I will have to fight legally for these disputes as this is surely making my credit look bad despite not having any accounts with these lenders or worked in past I dont want these inquires to show on my credit at all. Remove them please XXXX XXXX XXXX XXXX XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX  XX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update.
Consumer complaint received 2024-09-24
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. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-08-19
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 (GA)

A capital one credit card was opened in my name XX/XX/year> and a balance of {$XXXX} was used under the card, also another credit card was opened XX/XX/year> where they used {$XXXX} on that card. Neither of these accounts are mine and I have disputed this with XXXX, XXXX, and XXXX.
Consumer complaint received 2023-11-28
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. (IL)

I filed bankruptcy on XX/XX/XXXX and the bankruptcy was discharged on XX/XX/XXXX. In that bankruptcy This XXXX XXXX account XXXX was included in a judgment of discharge on XX/XX/XXXX. There are no monies owed under this account and shows as a charge off and closed until I submitted a dispute with all 3 credit bureaus. Now it appears on my credit as money owed which is invalid. No monies are owed. As of XX/XX/XXXX, I mistakenly signed an agreement stating repayment on a card that I was not aware at the time of signing that it was the same card that was part of a past bankruptcy filed and discharged. I did not do the proper investigation or research before signing the agreement. Additionally I didn't know that legally a company can attempt to collect money after a bankruptcy has been discharged which is the reason why I assumed this was a valid debt before doing a thorough investigation myself. Upon pulling my credit in XXXX, XXXX, I found that this account was discharge and appearing at a XXXX balance. My reasons for filing the dispute even though my credit showed no balance owed was because I was making monthly payments on a debt that was charged off and wanted to be relieved of that agreement. I asked XXXX XXXX XXXXXXXX XXXX XXXX to have the agreement I signed dissolved and void due to my investigation. I have since contacted both XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX Firm disputing this amount I'm being sued for. I have provided all documents to support my bankruptcy filing and advised that the contract to be terminated. I have not received any callbacks from either XXXX XXXX or XXXXXXXX XXXX XXXXXXXX regarding this dispute. I'm asking to have this amount removed from my Credit and show no balances owed as it did initially before submitting a dispute with all 3 credit bureaus without any notes to be added to the closed account and charged off. I'm also asking to have all agreements dissolved.
Consumer complaint received 2024-09-24
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. (AL)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 seven 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 2023-11-29
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. (TX)

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 XXXX XXXX XXXX. 

Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX  has violated my rights. Or list of inquiries 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 seven 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 2023-11-28
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. (IL)

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 : XXXX XXXX XXXXXXXX XXXX : Act. # XXXX, XXXX XXXX XXXX : Act. # XXXX, XXXX XXXX XXXX XXXX : Act # XXXX, XXXXXXXX XXXX XXXX : Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Act. # XXXX, XXXX XXXX  : Act. # XXXX, XXXX : Act. # XXXX has violated my rights. 

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 seven 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 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

On XX/XX/2024, I attempted to obtain my credit report from Equifax through XXXX. However, I received no report. Instead, the screen displayed only a blank page under the Equifax logo where the credit report was supposed to appear. 

Despite multiple attempts to obtain the report, Equifax has informed me that the report has already been provided. As a result, I have not received the credit report to which I am legally entitled under the Fair Credit Reporting Act ( FCRA ). Additionally, this issue has resulted in one of my legally permissible requests being considered used, despite not having received the actual report. 

Furthermore, in correspondence with banks, I have been provided with specific credit score and credit report details, indicating that such information exists and is accessible to financial institutions. This discrepancy underscores that my credit report is available to banks, yet I am unable to access it. 

I am attaching screenshots of the blank screen and the agencys response asserting that the report was provided. I request that the CFPB investigate this matter to ensure compliance with the FCRA, facilitate the provision of my credit report, and address the issue of the unused request. 

Attachments : Screenshot of the blank screen received from Equifax. 
Correspondence from Equifax stating the report was provided.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

CREDIT REPORTING AGENCIES- XXXX TRANSUNION AND XXXX Please be advised that this is third WRITTEN REQUEST and FINAL WARNING that full intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance Despite my previous 11 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You stated in your responses to my 11 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after eleven written requests is also evidence of your willful disregard of Federal Law When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 
You say that you have reinvestigated these accounts but youve admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). also asked you for the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 ( 5 A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' I request that you do this The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and full intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Consumer complaint received 2024-09-24
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)

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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 seven 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report. Please delete all addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section as well.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send/mail an updated credit report once the changes are complete to my contact information listed below. 

Thank You. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX