davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
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. (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 15 USC 1681.

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 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion has not removed the old accounts from my credit profile since the last dispute!! 
I am tired of old information reappearing on my credit report, per Fair Debt Collection Act and Consumer Laws ( c ) Treatment of Inaccurate or Unverifiable Information ( a ), ( i ), ( ii ), ( b ) Requirements Relating to Reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( a ), the information may not be reinserted in the file by the consumer reporting agency unless the ( ii ) Notice to consumer of deleted information is reinserted the reporting agency shall notify the consumer in, writing not later than 5 business days after the reinsertion or if authorized by the consumer. ( iii ) A notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. { my statement on file that I want everything to be sent to me in writing & also a victim of Identity Theft, also 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) ( c ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( b ), ( i ), 15 USC 1681 I ( iii ) ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraphs ( 6 ), ( b ), ( iii ) not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution, 611 15 USC 1681 I ( c ) provide written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion!!! ( b ) Statement of Dispute ( d ), ( XXXX ). XXXX along with the reporting collection agency or Debt collection agency are not Adhering to the law of the Fair Debt Collection Act and the Consumer Laws, Both of these companies have caused me not to obtain credit!!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

Ok Im trying to purchase a new vehicle so I can have reliable transportation to carry my kids to and from school, therefore I AM NOT TOUCHING MY CREDIT AT THIS TIME!! I have 3 HARD inquiries. 2 from a XXXX XXXX XXXX on XX/XX/year>. 

Then come on XX/XX/XXXX, its and inquiry from XXXX XXXX. 

Its on all 3, of my credit reports can you please help get this resolved because I did not grant anyone permission to run my credit!!! 

Thank you XXXX XXXX
Consumer complaint received 2024-07-02
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. (NE)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (AZ)

My Care Credit card interest rate recently increased from 29.99 % - 32.99 %. No reason was given and I have never missed a payment. I was also never made aware of how my payments would be applied to 6 month interest free charges. Subsequently I was recently charged two seperate interest rate charges, one for {$600.00} and one for {$920.00}. The company refused to help lower these charges or alter my current interest rate.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The items listed below are reported again on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX  CARD SERVICES XXXX Balance : {$2900.00} XXXX XXXX  SERVICES XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$27000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, 2023
Consumer complaint received 2024-06-29
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. (IL)

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 U.S. Code 1681e ( b ) Accuracy of a Report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX [ U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate. 

[ U S DEPT OF ED/GSL/ATL XXXX ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate. 

[ U S DEPT OF EDXXXX XXXX ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (TX)

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 2024-07-02
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. (NM)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-01
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. (VA)

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 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 informationisinaccurate.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX this account was PAID IN FULL with NO LATE PAYMENTS. On XX/XX/XXXX, I applied for a car loan and was denied due to this account. I also applied for housing and was denied due to the missed payments reported by creditor in XXXX of XXXX for this account.
Consumer complaint received 2024-07-02
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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XX/XX/XXXX
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (SC)

On Thursday XX/XX/XXXX my wife and I went into the XXXX XXXX Truist branch to open a new checking and savings account with a {$220000.00} we received for the selling of our home. We provided copies of our driver 's license and the XXXX XXXX XXXX XXXX, XXXX XXXX setup our account. My wife took the check to the counter and deposited it in our new account. They told us there would be a 10 day hold on the account but then everything would be fine. 

A few days later I tried to access my Truist Online Banking Account and it told me I was locked out and needed to call because of security concerns. I went to the branch and they referred me to their fraud department located in the XXXX. I was told that we weren't welcome to do business with Truist and needed to take our banking somewhere else. This has never happened to me in my entire life. They told us this was a fraud and wouldn't give us any answers. 

I called the lawyer who gave us the check and the said that they approved the check from their bank, XXXXXXXX XXXX, and everything was fine. 

Truist said the check was cashed but we needed to wait for the check to be returned to us before we could ask for a replacement check from our lawyer. I consider this theft of our funds as Truist cashed the check it is sitting in their XXXX somewhere but won't return the funds to the lawyer so we can get our proceeds. I no longer own our home we sold and Truist had held our funds XXXX for a week and will not return the funds. 

This was blatant discrimination, and defamation as they told us we committed fraud and weren't welcome. We provided proof of identity and everything they asked. I am requesting a thorough investigation into this matter.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Coinbase, Inc. (NJ)

On XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, NJ and used my Coinbase debit card to pay. The amount was {$47.00} + {$10.00} tip = {$57.00}. ( Receipt attached. ) A few days later, while the transaction remained pending, the charge had changed to {$230.00}. I gave it about two weeks to correct because the charge was pending. After two weeks, I reached out to the restaurant and they said that the charge is completed on their end and I would have to reach out to the bank. 

Afterwards, I reached out to Coinbase, and they told me I have to go to the merchant because the transaction is pending and can not be canceled. I had gone back and forth multiple times with no resolution. 

After about a month, the total of the charge updated to {$57.00} - the correct amount. However, my account balance still reflects minus- {$230.00} - and the transaction remains pending. 

I keep on following up with Coinbase, and their response is always, were looking into it and will reach out when we come to a resolution. This issue has been going on for over two months, and at this point they no longer respond to my emails about this issue. 

Attached is a copy of the receipt, a screenshot of the transaction taken from the Coinbase app and another updated screenshot taken today which clearly shows both amounts.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

Multiple submissions linked to this company XXXX XXXX XXXX XXXX in Washington State. 

This is one of the three corporate bank accounts used. Once fraudulent activity was identified, we contacted their fraud department, submitted necessary information and all claims were denied, no explanation given. 

Files attached include total fraud dollar detail, former bookkeeper admission of guilt texts and XXXX XXXX XXXX XXXX department case report.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

I called each of these credit agencies ( Equifax, XXXX, XXXX XXXX and XXXX ) to get old addresses removed from my credit reports. Each of these agencies reported they are unwilling to remove my old addresses. My current address for the last XXXX years is XXXX XXXX XXXX XXXX, XXXX, MO, XXXX.
Consumer complaint received 2024-07-02
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)

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (NY)

The credit reporting agency was wrongfully updated with information that does not reflect my trustworthiness. The information provided has deemed my character as one who is unreliable and one having no true credit managing abilities. However, on the federal act, it is incumbent upon each company and entities to report accurate information, with the utmost true. I have been diligently paying my credit obligations, with honesty and great upwardness.
Consumer complaint received 2024-07-01
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. (NY)

XXXX XXXX with partial account # XXXX, XXXX, with partial account # XXXX, XXXX XXXX, with partial account # XXXX, These accounts are related to transactions and experiences that fall under the XXXX section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. These accounts are not related to any transactions authorized by me, the consumer as I did not give written instructions to your agency to report these, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report! 


I have contacted the Federal Trade Commission and filed a complaint ( # XXXX ), which is attached. Please block and remove all related information from my credit report and send me an updated copy. According to the law, the listed items are a result of unauthorized fraud. 

The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, the law clearly states : ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have provided all XXXX pieces of required information and expect the accounts listed above to be deleted and blocked within XXXX business days of your receipt of this notice. Failure to do so will constitute a violation of my rights under the FCRA. 
If you do not initiate an investigation and delete this information within XXXX business days of receiving this notice, as mandated by 15 USC 1681c-2 under the Fair Credit Reporting Act, I will pursue legal action to protect my credit rating and myself. Each violation of the FCRA permits damages of {$1000.00} if this matter goes to court. 
I have experienced significant emotional distress due to this issue and have recently felt suicidal. Therefore, I am compelled to escalate this matter and request a fair and equitable resolution.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNTS YOU POST ONA A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRADULENT ACCOUNT. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX ACCOUNT LISTED UNDER INQUIRIES XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15USC1681 SECTION 602 ( A ) STATES I HAVE A RIGHT TO PRIVACY.

15USC1681 SECTION 604 ( A ) STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

I DEMAND THAT YOU REMOVE ALL THE ABOVE ACCOUNTS FROM MY CREDIT PROFILE IMMEDIATELY AND THE CREDIT FILE BE UPDATED. 

***PLEASE REMOVE ALL NON ACCOUNT HOLDING INQUIRIES. 


THANK YOU, YOUR NAME : XXXX XXXX
Consumer complaint received 2024-06-29
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. (KS)

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 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 inructions 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (CA)

I attempted to place a credit freeze online but was unable to do so. 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 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX