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 — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (MA)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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. (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 : 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 2024-08-17
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-17
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. (CT)

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 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 2024-08-17
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)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX REF XXXX & XXXX XX/XX/2024 Dear XXXX, I am writing to dispute the validity of the debt you are attempting to collect from me. I am aware that under the Fair Debt Collection Practices Act ( 15 USC 6801 ), I have the right to request validation of the debt and to dispute any inaccuracies. I am also aware that under the same act, debt collectors are required to provide me with certain information regarding the debt. 

I have not received any verification of this debt from your agency, nor have I been provided with any documentation proving that I owe this debt. Furthermore, I have not been provided with the required notice of my rights under the Fair Debt Collection Practices Act, as mandated by law ( 15 USC 6802 ). 

I am requesting that you cease all collection activities until you can provide me with the necessary verification of the debt and documentation proving that I owe this debt. Failure to comply with these requests will result in further legal action being taken against your agency. 

I expect a prompt response to this letter and a resolution to this matter. Please provide me with the requested documentation within XXXX  days of receipt of this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

On XXXX I received a provisional credit of {$130.00} over fraud on my debt card ( valid fraud ) Ive had a history of issues on my account but theyve all been resolved either credit issued or reversed but have all been resolved so I understand the bank closing the account but I only have {$130.00} outstanding that could potentially be reversed on XX/XX/XXXX I had a balance of a little over {$100.00} and mobile deposited a check for {$650.00} the bank cleared {$220.00} of it so as of today I have a balance of {$320.00} with an additional {$420.00} scheduled to clear tomorrow ( was told all is untouchable even when it clears ) for a total of {$750.00} my issue is they froze ALL of my funds when they closed my account out of no where on XX/XX/XXXX no warning at all and now I have {$650.00} of money that has nothing to do with their investigation and {$620.00} of a balance ( if somehow they reverse the credit ) being held hostage I have called 10 times Ive been hung up on, redirected to the wrong department, told theres limited notes and no one can tell whats going on or get a hold of the department that closed it and just that when theyre done looking into it I will get a check in the mail with no timeline of when exactly I have a family to feed that was all of my money I dont think its fair to freeze all of my funds when only {$130.00} is in question all Ive asked is that the {$620.00} be made available to me so that I can survive this was my only account and my only money and now Im in the dark on when or if Ill ever get it back its based on a decision of a person who closed the account left no notes so no one can tell whats going on and that no one can get ahold of them or anyone in their department so Im not confident and now I have to suffer because I cant at least access funds that have nothing to do with their investigation
Consumer complaint received 2024-08-19
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. (AZ)

I am a survivor of XXXX XXXX, and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.
Consumer complaint received 2024-10-25
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: NerdWallet, Inc. (MI)

I was looking on my app to see if my funds had arrived. It said that it arrived, but it was only XXXX dollars. I said thats gon na be nonsense because Im supposed to be getting paid {$940.00} for my Social Security check. I informed the guy the customer service agent that my phone said it arrived, but it said it was XXXX dollars and I asked him could he check and see if The government or my pay paid me yet he stated no and he said he didnt see any new transactions and this comes from a bank account called XXXX XXXX  known as nerd Wallet
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION (IL)

Got a check from ( XXXX  ) XXXX XXXX XXXX XXXX. Endorsed it too my family member account navy federal we called before we did they say everything ok then we got a date the check was clear and cashed XX/XX/XXXX funds never came. We called fraud too see why they were asking what Im going too do with the funds and Im too young too have theses funds so it look like fraud and said Im going to have too close the account asked for a hire up he said he was the hire up and hung up on us
Consumer complaint received 2017-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

My husband has an old debt from a credit card. We would like to settle and pay once we get in a little better financial position. In the mean time, we habe received many threatening letters fro m Weltman, Weinman and Reis law fir m. They threatened to take us to court, garnish our wages and bank account. With fear of them taking out all our money in the bank that we need to pay our house payment and utilities, I agreed to make fair payments,  one  for  XXXX  $ on  XXXX   XXXX ,  XXXX  $ on the  XXXX , and another  XXXX  $ on the  XXXX . This firm took  XXXX  $ out of our account on  XXXX   XXXX ,  XXXX  $ out on  XXXX   XXXX , and another  XXXX  $ on  XXXX   XXXX , which overdrew our account and we incurred fees and now do not have any money!!! I am terrified that this law firm will sue us because they call multiple times a day and send many certified letters with lots of legal verbage with writing that looks like we have to appear in court and our bank accounts and wages will be garnished. Because this firm did not take out the correct payments on the dates I approved, our bank account is now in the negative and we have overdraft charges!
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (GA)

I did create an account with wise and My account was deactivated, and I had an available balance ( XXXX $ ). I requested a refund since XX/XX/XXXX and made my appeal using my friend 's name because I wanted him to receive the money. WISE made the mistake of putting my name instead of keeping my friend 's name for the transaction, but they kept his account number and bank 's XXXX XXXX. The error is not mine, as I had entered the correct information. You made the mistake, and I should not have to pay for your error. It's unfair. Now, my friend 's bank rejected the money on the same day, and I want to have my money back. 

I sent my friend 's bank statement to prove that he did not receive the money because the name was entered incorrectly, which is why his bank declined the payment. Please, I want this money back. 

I have more than XXXX weeks asking for this money and they not trying to help me.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (WI)

On XX/XX/XXXX, I received a text alert that my US Bank checking account had been overdrawn. When I reviewed my account, I found that {$37000.00} had been withdrawn from my account as a result of XXXX fraudulent checks. Immediately after I discovered that the XXXX fraudulent checks had been cashed, I visited the local US Bank branch. The staff at the branch assisted me with filing an Affidavit with the fraud department. I want to emphasize that NO ONE AT US BANK alerted me that these checks had been cashed. The only notice that I received was that my account had been overdrafted. In the process of filling out the forms, it was discovered that XXXX different individuals had tried to cash XXXX ADDITIONAL FRAUDULENT CHECKS worth {$71000.00} on XX/XX/XXXX. While these checks were not processed, I was NOT NOTIFIED of this fraudulent activity. Had I been notified, this entire fiasco would have been avoided, and my money would have been secure and safe in my accounts. 

I have spent countless hours following up with US Bank and reporting this fraudulent activity and asking for return of my money. No representative from US Bank has followed up with me regarding this. When I inquired with the XXXX Department as to how long this would take, I was told that they did not have a time limit or guess on how long this would take. When I asked how to file a complaint, I was told there was NO COMPLAINT PROCESS.
Consumer complaint received 2024-08-17
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)

[ XXXX XXXX XXXX XXXX XXXX Il XXXX Re : XXXX : Dear [ XXXX ], I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. 
Your response dated [ Date of Response ] did not include any of the aforementioned details. 
In accordance with the FDCPA, please provide the following : XXXX. The name and address of the original and current creditor ; XXXX. Verification of the debt amount you are attempting to collect ; XXXX. Documentation of any assignment from the original creditor, including my name and the original account number ; XXXX. All relevant information on the securitization of the debt and proof of its reassignment to .Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX XXXX. XX/XX/2014 ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. 
I appreciate your prompt cooperation in this matter. 
amount XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation and Cease and Desist To, Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor. 

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report. 

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so. 

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (KY)

I was sold solar panels by a company called XXXX XXXX out of XXXX, TN. The debt is owned by a company called Solar Mosaic. I have never signed a contract with Solar Mosaic and I was never provided written proof of my ownership of the debt when requested via telephone. The debt is for XXXX dollars and I was promised by the company who sold them to me ( XXXX XXXX ) and the debt owner ( Solar Mosaic ) that I would not be charged anything until the work was complete and I had a working system. All that was ever done was the panels were put on the roof and a bunch of holes were put into my exterior walls to put an inverter and battery. The system was never hooked up nor did it pass inspection to be allowed to be hooked up. The company and lender knew what they were doing and are attempting to scam me out of my money. Since the panels were " sold '' to me the company that I dealt with has been forcefully put out of business due to alleged " pervasive and ongoing deceptive and unfair business practices '' and is currently under the control of a federally appointed receiver through the United States District Court. However I am now stuck with non-working solar panels and a XXXX debt that I did not agree to.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I was recently informed of a negative information report included in the file ChexSystems maintained under my Social Security number. Upon ordering a copy of the report, I found an entry from XXXX XXXX XXXX XXXX from XXXX. 
I am unaware of ever owing this bank {$8600.00} on these date : Reported For : Non-SUFFICIENT FUNDS ( NSF ) ACTIVITY Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported SSN/ID : XXXX Drivers License : State : Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$8600.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX Please validate this information with ( the bank listed above ) and provide me with copies of any documentation associated with the said Reported Information bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
RE : Consumer ID # XXXX Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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: AMERICAN EXPRESS COMPANY (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.