davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2023, at approximately XXXXXXXX XXXX, I received a call from XXXX XXXX, NV Highway Patrol, stating that I was being investigated for fraud & money laundering, in Colorado. She then connected me to, XXXX XXXX, XXXX # XXXX, phone # XXXX, who identified himself as a representative of the above name entity and FTC. He gave me the names of XXXX XXXX XXXX XXXX XXXX. Both of whom I know. I later found out that XXXX XXXX was arrested for Fraud & Money Laundering. XXXX XXXX stated that in order for me to be protected, I had to send money from my Wells Fargo account to another Wells Fargo account, located at XXXX XXXX XXXX, XXXX, CA XXXX. Routing # XXXX, account # XXXX XXXX XXXX XXXX XXXX. Unfortunately, he sounded very convincing & I did it, in two increments. One for {$6500.00} & another for {$1200.00}. I realized, a little late, that I was being scammed. On XX/XX/2023, I went to my Wells Fargo to report it. A gentleman, by the name of XXXX, helped me & called the Wells Fargo in California. They started the investigation & said it would take 12-15 days. The {$1200.00}, was returned to my account. However, the {$6500.00}, never was. I received a letter from Wells Fargo that they were unable to reimburse me & that the inquiry is closed. Claim # XXXX
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i sent XXXX, XXXX and transunion a letter letting them know that the accounts they are reporting are inaccurate closed and past the statue of limitations and to send me a copy and validate the debts can you please help i dont know what else to do
Consumer complaint received 2024-05-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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. (AR)

Despite our previous attempts, I regret to inform you that these items still persist on my record. As we enter the tenth attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : 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 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 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 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 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 XXXX
Consumer complaint received 2024-05-20
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. (WA)

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH TRANSUNION, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

TransUnion : XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-20
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. (TX)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by this company : Inquiry : XXXX XXXX XXXXXX/XX/2024. 

I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

Good Evening, My credit report shows a collection from your agency. I was never notified of this collection. Furthermore, I do not believe this debt is accurate at all. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following :
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (NE)

I would like to file a formal complaint against Discover Card with yet another example of their fraudulent customer practices. When I applied for a Discover Card in XXXX from the application Discover Card sent me, I asked for a balance transfer of {$23000.00} from a credit line since Discover was advertising a lower introductory interest rate on balance transfers. Instead of granting the amount requested, Discover issued a card with a credit limit of {$5000.00}. In todays mail, I received a Discover Card bill showing Discover subsequently transferred a balance of {$4700.00} from the credit balance of {$23000.00} without my authorization or intent. Additionally, Discover billed {$140.00} for this transfer that I did not request nor authorized. Discover has subsequently promised to close the credit card because I refuse to comply with Discovers subsequent fraudulent and illegal requests for a certified copy of my drivers license. 

Please require Discover to under to balance transfer of {$4700.00} Discover fraudulently completed without my authorization and remove the {$140.00} fee Discover is charging for the fraudulent transfer. 

I have never previously dealt with a company with such poor customer service and fraudulent, unauthorized activity in all my 71 years. Discovers Executive Office is continually unavailable and does not listen to customers. I found a website with multiple complaints about Discover and added my initial complaint. I will be demonstrating this additional fraudulent activity on as many websites as possible to help make others aware of Discovers ongoing deceitful activities.
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (NY)

I attempted to request a credit limit increase with the financial company known as Goldman Sachs, on their credit card known as, Apple Card. After multiple attempts to receive a credit limit increase with the company, I was messaged, on different occasions, with the same response. Your recent payments on Apple Card did not cover a significant portion of your monthly balance. This however does not make sense as I paid balance for May, in full a week before the billing statement date.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-05-20
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. (AL)

I am filing a complaint against the credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( a ) ( 1 ), which prohibits furnishing inaccurate information. Furthermore, these accounts were reported without my written consent. According to 15 U.S. Code 1681b ( a ) : Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I request the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX  - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX ( 2 Duplicate accounts reporting ) 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 These reporting of these accounts breach the following sections of the FCRA : 15 U.S. Code 1681, Section 602 ( a ) : This section emphasizes the need for accurate credit reporting to ensure fairness and privacy. The false information on my report violates this principle, compromising my creditworthiness and privacy.

15 U.S. Code 1681, Section 604 ( a ) : This section limits the purposes for which consumer reports can be furnished. Inaccurate reporting exceeds these permissible purposes, unfairly damaging my ability to obtain credit and other benefits.

15 U.S. Code 1681c ( a ) ( s ) : This section outlines the time limits for reporting negative information. The accounts in question either exceed these limits or are incorrectly reported, violating the statute.

15 U.S. Code 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.

It is also pertinent to note the requirement of written consent involving multiple signatures for reporting data. Under 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) : A consumer reporting agency may furnish a consumer report for credit purposes only if ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for credit purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

The companies involved must provide proof within five days that they obtained the required three signatures or they must delete all listed items.

Thank you for your prompt attention to this urgent issue.
Consumer complaint received 2024-05-20
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. (NV)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 XXXX
Consumer complaint received 2024-05-20
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 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 2024-05-20
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these itemsin line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-05-20
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. (AR)

Despite our previous attempts, I regret to inform you that this issue still persists. As we enter the tenth attempt to address this matter, I want to stress the critical importance of rectifying this discrepancy promptly. The presence of late open accounts significantly affects my credit score and raises serious concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Kindly help me correct these accounts immediately : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$9300.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$130.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX.
Consumer complaint received 2024-05-20
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bridgecrest Acceptance Corporation (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2023-11-30
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. (CT)

My personal information with Equifax has been breached. Attached is the proof and they refused to delete these accounts. Please delete these reports immediately as I was a victim of this data breach. Delete all reports an any negative reporting including late payments. XXXX ) XXXX XXXX XXXX | XX/XX/XXXX XXXX ) XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX According to USC 15- 1681 and USC 15-1692 It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXXXX/XX/year> Transunion LLC XXXX XXXX XXXX XXXX, pa XXXX Request for removal of unauthorized hard inquiry Dear TRANSUNION LLC I am writing to disputXXXX a hard inquiry that appears on my credit report, as I believe it was conducted without my authorization. I recently obtained a Copy of my credit report and noticed the inquiry listed below : Inquiry date XXXX  Creditor name : XXXXXXXX XXXX I do no recall authorizing this inquiry or having any business dealings With [ Creditor name }, as a result, I am requesting the removal of this hard inquiry from my credit report I understand that hard inquiry can have an impact on my credit score And I believe this inquiry is inaccurate. according to the fair credit reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports I kindly request that you invesgate this matter and, if the inquiry is found To be unauthorized, promptly remove it from my credit report. I also Request that you provide me with written confirmation of the removal Thank you for attention to this matter. I appreciate your prompt Resolution of this dispute Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt Vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX, XXXX, EQUIFAX