davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.
Consumer complaint received 2024-07-31
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: Credit Karma (CA)

In a shelI, I applied for Credit Karma Guarantee 's loan offer and I was not approved. I tried to claim my {$50.00} twice and Credit Karma keeps saying I was approved by XXXXXXXX XXXX XXXX  when I wasn't. I received an Adverse Action letter that is currently on its way to my address and also I can see the denial message on my new created XXXX XXXX XXXX account. Credit Karma keeps sending the same message to both of my Interactions, and it states as follow : " XXXX XXXX XXXX, This is a follow up for the interaction through chat that we just had about the personal loan that was declined so you are checking for the {$50.00}. I want to let you know that I'm still here to continue assisting you. 

Weve confirmed with the lending partner XXXX XXXX that your application for the XXXX XXXX submitted on XXXX from this account on Credit Karma was approved on the same or better terms than you applied for. Therefore, you are not eligible for the {$50.00} Karma Guarantee.

If there is anything else we can do to assist you, please dont hesitate to reach us back. Remember we are here to help you out. 

Regards, Credit Karma Member Support " *** I believe the business is deceiving, conniving and it falsifies information. Attracting consumers to share their financials with 3rd parties when they won't be approved for card and/or loan offers. I strongly believe Credit karma acts in a fraudulent and unethical way.

If the opportunity is given, I will be attaching proof of denial and once I received the adverse action letter, I will retain it for my records and provide it as requested.

Also, on my first interaction I was given a completely erroneous date for my application on the response email, XX/XX/2024 when the application took place on XX/XX/2024, this is how I know I'm being lied to and whoever on the other side looking at this information is willingly denying my reward. I'll CC the State Attorney 's office, the FTC, the Consumer Protection Bureaus and the Controller of the Currency agency. 

Thank you in advance XXXX XXXX XXXX.
Consumer complaint received 2024-06-18
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. (GA)

I am writing to formally dispute an unauthorized credit inquiry that was made on my credit report by XXXXXXXX XXXX XXXX The inquiry, which appears to have occurred without my explicit consent, has adversely affected my credit score and caused me significant concern. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. Specifically, I believe that the inquiry in question was not authorized by me, and I am requesting that it be removed from my credit report immediately. 

Details of the Unauthorized Inquiry : Inquiry Date : XX/XX/year> Inquiry Type : Individual XXXX Info : XXXX XXXX XXXX, XXXX, OR XXXX Contact Number : ( XXXX ) XXXX My Full Name : XXXX XXXX XXXX XXXX I kindly request that you : Investigate this matter and provide documentation proving that I authorized this inquiry. 
If you can not provide such documentation, promptly remove the unauthorized inquiry from my credit report. 
Provide written confirmation of the removal of this inquiry and any correction made to my credit report.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX i sent the following letter via certified mail to all three credit reporting agencies. 


To whom it may concern, I have recently received my credit report and would like the following inaccurate information to be investigated. These inaccuracies are negatively affecting my life and would like them removed. 

XXXX XXXX XXXX  Account XXXX XXXX Delete this account because all three bureaus report different Date last active XXXX trans union XXXX XXXX [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Account # XXXX Delete this account because all three bureaus report different Date last active [ Trans Union XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ Trans Union XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] Please send me a new credit report reflecting these changes. 

Thank You XXXX XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are still differnt date last active being reported on each account. 
I have attached 2 credit reports, a credit report before and after the investigation.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (WV)

My savings account at Huntington Bank had XXXX withdrawals in XX/XX/2024 that wiped out my saving account of over {$11000.00}. I filed a complaint about the savings account and checking account. The checking account money was returned while the savings account has not been returned. It's been over a month since I filed my complaint. Today, I called and found out the investigation had been closed. Huntington investigators claimed that the money was taken by a device used for the past year. I had them re-open the case as fraud. Huntington did not associate the theft of the checking account with my savings account. I never authorized any withdrawals. This is clearly fraud.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-06-18
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TX)

Thank you. 

1. In addition to alterations to transaction type made by someone with access to bank data, there were alterations to merchant type when having limited space. The alterations to transaction type were observed my XXXX, Wells Fargo, XXXX  XXXX XXXX, police, myself, and their fraud prevention/claims departments. They went against the code determined between the merchants and credit card companies. I reported this about a year ago, and it happened again. If you recall, altering transaction type affected credit score, even though it is not supposed to do so. 

2. XXXX for fax service started mixing billing codes and It codes, essentially doing the online equivalent of giving batteries when emails, personnel, and written statements confirmed that the customer order for fruit would include fruit while still only giving batteries. As a result of frequency and pervasiveness, a new credit card number was issued as they were using the card without authorization while not providing the fax service requested but using email to say they were 3. Wells Fargo changed my credit card number in late XXXX of 2023. XXXX showed that in the change, XXXX ran my score low to almost zero while I was seeking employment. There was adverse effects. Please help stop financial duress as my students with needs were in physical and emotional duress. I am in good standing. No misconduct. 

4. XXXX needs to edit a statement and correct it to show that fraudulent accounts may NOT be opened in my name. 

5. Some avoided putting correct addresses on credit bureau files making verification difficult even though census were taken at those places.
Consumer complaint received 2024-07-07
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify are accurate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

On XXXX at XXXX I made an ATM transaction in the amount of {$600.00}, however the money did not dispense because it appeared that the door where the money comes out was damaged. I called the ATM company XXXX ( XXXX ) to let them know what had happened and they told me that I had to file a regulation E with my bank which I did later in the morning when they contacted me back. I gave the bank very detailed information along with requesting that the regulation E be filed which I thought was the case, however 2 days later I got a denial from my bank saying that the request was denied and the investigation was closed. I now call back my bank to see why this was so and requested that it be reopened and also asked if the regulation E had ever been filed and they told me NO. I also confirmed this with XXXX and they told me they had not had any contact with my bank nor was any investigation done by them. How is it they can make a determination when a proper investigation was not conducted nor was the Regulation E ever done on my behalf? The money has been taken out of my account, but I never got the money because the ATM door did not open to take the cash.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. Over 60 days later I have not received any response yet. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report so they should be removed already since it's been well over 60 days. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

Items/ Accou

nts are below 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
Consumer complaint received 2024-06-08
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. (NY)

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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MO)

My vehicle was stolen on XX/XX/XXXX my insurance company resolved it as a total loss on XX/XX/XXXX th 2024 and sent a check XXXX it was cashed XX/XX/2024 by ally financial. Ive never had one miss payment on my account for the whole duration of my loan. Ally financial placed a late payment on my account for XXXX. They did not post my account was {$0.00} balance until XX/XX/2024. They stated they couldnt located the check so when they found it they posted to my account. I called and continued to get hung upon and was told that they will do an investigation and it could take up to. 45 days
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Credit bureau reporting XXXX past due for the month of XXXX 2019. This accounting was not past due XXXX 2019. Attaching a copy of my statement
Consumer complaint received 2024-07-07
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. (PA)

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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX PL XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (GA)

Subject : Debt Validation Attn : True Accord As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : 1 ) Please provide your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please provide your authorization to do business in my state ( GA ).

5 ) Please provide evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6 ) Provide documentation showing the complete chain of ownership of the debt.

7 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand email. Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond or you will be reported to the CFPB and XXXX. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, results as a waiver to any/all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. I further insist that if you have reported me to a Credit Reporting Company, you tell them to delete said alleged collection
Consumer complaint received 2024-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (IL)

I received a letter from Viking Client Services saying that I owed nearly {$2000.00} related to a rental from XXXX XXXX XXXX. I called XXXX to find out what this was in regards to as I have always paid for all of my rentals and have never returned a car with damage. 
I contacted Viking with more details about the debt they are requesting that I pay since XXXX says I do not owe them anything. They continue to claim it's from XXXX XXXX XXXX, but I have called XXXX XXXX  and they say that my account is paid in full and that I do not owe them for anything. I called my local police department and they told me that it is very likely that this is a scam and advised me to not pay it.
Consumer complaint received 2024-06-08
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)

XXXX XXXX Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

A collection was added to my Experian I dont know where this debt came from original creditor is XXXX XXXX XXXX XXXX and I have never dealt with this company it is now with XXXX XXXX XXXXXXXX XXXX Amount XXXX acct # XXXX this debt need get removed off my credit report because this is harming my credit this account has violations no accurate data or proof on where debt came from
Consumer complaint received 2024-07-07
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)

This was paid and it is negatively impacting my ability to obtain credit and employment. Please remove from my report immediately. 

Santander XXXX XXXX XXXX