davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-18
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. (CA)

On XX/XX/23 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Balance $ XXXX not mine XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX not mine, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-18
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. (DC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-18
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. (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 XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-07-06
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. (NC)

Per code XXXX XXXX XXXX consumer reporting agency shall block the reporting of any information in the file on a consumer that the consumer identifies as information that resulted in an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Per accounts should not be furnished on my consumer report as they are a VIOLATION!!!! PER, XXXX XXXX Code XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the existing circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature. They have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

XXXX XXXX XXXX and XXXX CFR XXXX - Family Educational and Privacy Act of XXXX XXXX XXXXXXXX XXXX - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of XXXX When signed you stated you would not provide my information to anyone.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have reviewed my credit reports and found identy theft. I found numerous accounts that we not opened by me. 
This has resulted in me not beeing able to get a home loan. 
Please remove the fradulent accounts as soon as possible. not only are the unlawful, I have But I have never signed a contract with them. Thanks In Advance
Consumer complaint received 2023-12-18
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)

ATTN : TRANSUNION RE : Intent to file suit- a violation of the FCRA I must emphasize that it is a violation of the law to make a threat of legal action without any genuine intention to follow through. I want to formally notify you that I am highly determined to pursue legal action against your company. Despite my repeated attempts to address the issue, requesting you to investigate and rectify all inaccuracies in my personal credit profile, you have consistently failed to take appropriate action. It is crucial to note that the law obligates you to investigate every single request to rectify erroneous information, a fact that seems to have been disregarded in my case. 

This is an utterly blatant disregard of the Fair Credit Reporting Act, which grants individuals the right to take legal action and imposes penalties and liabilities on consumer reporting agencies and data providers for non-compliance with its regulations. 

I must reiterate my previous statement that this is my ultimate appeal for you to fulfill your obligations under the FCRA. If you do not undertake a thorough examination of the aforementioned accounts in response to this final request, I will have no choice but to initiate legal proceedings against your organization within the jurisdiction of my residence. Consequently, you will be required to appear in person to defend your actions. 

I place great importance on my credit and I am deeply disappointed by your unprofessionalism and lack of assistance. I am fully cognizant of my rights under the FCRA and I am determined to assert them to the fullest extent. I expect your prompt response.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MN)

My Deposit was taken from my chime bank account due to a member hacking my account transferring my funds into there account. Once I contacted chime support about suspicious activity on my account the member told me on the phone that he seen my account transfer happened and since I was directly on the phone with chime support at the time of the fraud transaction, I was promised my money back. About XXXX hr later after filing a dispute with the chime dispute team I got denied right away without an investigation. I then went to XXXX XXXX XXXX  XXXX and filed a criminal dispute for XXXX XXXX of fraud. Chime support again opened my case due to me filing a police report, I still have not recovered my funds back and its been a process. ( My social security card is taken and my personal information is taken ) address, email, XXXXXXXX XXXX XXXX, bank accounts.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted XXXX via mail requesting that they research a tremendous error in my credit score reporting. XX/XX/XXXX  my credit score was XXXX ( reference XXXX report # XXXX ) and as of XX/XX/XXXX  my credit score dropped to XXXX which is a decrease of almost XXXX points. I have not applied for any new credit, my amount of debit is still the same, there are no late payments or collections. My credit activities have been consistent over the last few years. 

I'm requesting research to find the root cause of my credit score decrease and resolve the issue to correct this error immediately.
Consumer complaint received 2023-10-27
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.XXXX XXXXXXXX Balance Owed : {$71000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3300.00}.
Consumer complaint received 2024-05-17
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. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-12-18
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. (CA)

Personal Statement my wallet including my id, social security card, bank cards and my medical cards was stolen. i have been been disputing this unauthorized account with XXXX XXXX since the day i noticed it had been reporting to my credit report. I have never experienced anything of this nature. my identity was stolen and used to obatin a XXXX XXXX credit card with a balance of {$3600.00} that i have no knowledge of. I have and will continue to disoute this fraudulent information until it is removed from my credit report. no signatures, authorization or any consent of mine was given to XXXX XXXX, they had no right to open a fraudulent account using my information. in this case they allowed a fruadester to use my personal information to obatin fraudulent funds. this matter needs to be invistaged and removed immediately. 
My rights have been disregarded and I demand this matter be settled immediately
Consumer complaint received 2024-05-17
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. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (UT)

On XX/XX/year> I made a {$25000.00} payment to my student loans. 

Mohela switched over to a new website and all my payments prior to XX/XX/year> were wiped from my record. 

On XX/XX/year>, I reached out to Mohela via secure messaging asking for a payment history of all my payments prior to XX/XX/year>, especially the XX/XX/XXXX payment. I sent this message : " Good morning, I'm seeing if you could help me locate a document. I am in a local state loan repayment program and I had a large payment ( {$25000.00} ) I made on XX/XX/year>. I need to show that I made that payment towards my student loans at this time. I didn't know my account would be switched over. Would you send me a document showing that loan payment history for the {$25000.00} payment on XX/XX/XXXX? It would need to include my account number and name on it as well. Right now, the only loan payment history I have is when my loans were sent to this new servicing platform and my most recent payment from XXXX. I don't have any payment history prior to XXXX available for myself. Thank you. '' They responded with this : " You are able to view your entire payment history on XXXX. If any payments are not reflecting on the payment history when viewed, please contact us and we can submit a missing payment search for the payment. If a missing payment search is needed, we will need the following : Date of Payment Sent Total Payment Amount Source of Payment Address Payment Sent To. '' On XX/XX/year> I sent this message : " The person who replied did not seem to read my original message. I do not have access to any payment history on the old Mohela website or the studentaid.gov. I gave them all the information they needed in my original message to find the payment. Please help me find that payment that isn't showing for me so I can submit to my local forgiveness program. Please don't make me run around again. The payment was made electronically from my bank at XXXX XXXX directly to Mohela. '' They responded with this : " In order to provide exemplary service, we want to make sure that we are addressing your questions and concerns accurately. Due to the complex nature of your inquiry we need you to speak with XXXX of our Customer Service XXXX. Please call toll free at XXXX. Monday XXXX XXXX. to XXXX XXXX., Tuesday and Wednesday XXXX XXXX. to XXXX XXXX., Thursday and Friday XXXX XXXX. to XXXX XXXX, XXXX '' On XX/XX/year> I had already spoken with a XXXX XXXX representative on the phone and they informed me my loan payment history would be sent to me. It is XX/XX/year> and it has still not been sent to me. I have been waiting 21 days for information that is rightfully mine and it seems like they are purposefully withholding it from me, and sending me around in circles to obtain it.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

On XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) was hacked via XXXX browser redirect fraud resulting in ransomware by individual threatening financial/identity theft unless XXXX provided XXXX XXXX ; one disbursement demand to be sent as $ XXXX ( $ XXXX {$50.00} bills ) via UPS to XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX mailed $ XXXX @ XXXX via The UPS Store # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, tracking # XXXXXXXX XXXX # XXXX, XX/XX/XXXX. XXXX XXXX proceeded to withdraw uncharacteristically large amounts from his Wells Fargo accounts and visitetd two neighboring branches within the same hour on XX/XX/XXXX resulting in two {$20.00}, ooo.oo transaction in smaller bills and one {$25.00}, ooo.oo wire transfer ; NO questions and NO due diligence was compelted with any teller at either bank. Only on XX/XX/XXXX, when a family member found out about the extortion/fraud, and alerted Wells fargo to all three transactions that went unnoticed. There was a failure to the client and Wells fargo assisted in this elder crime by omission of ANY due diligence. WE WOULD LIKE THE NAME OF THIS INDIVIDUAL BE REDACTED FOR HIS SAFETY. He acted out of fear of reprisal and we are going forward with court proceedings.
Consumer complaint received 2024-05-17
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. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is reporting a debt under my name under all XXXX credit burea that is Outdated by Georgia Statue of limitation nor is this my debt. I've mailed documents to XXXX XXXX XXXX on XX/XX/16 and their address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and informed them via mail that the amount of {$23000.00} is not my debt and this debt is also past the statue of Debt law in GA which is 6 years and cant be reported by law due to it being outdated. However the account continues to be reported under all three credit bureau and by Law is Outdated and is not mine but continues to reappear every time I dispute this account with the credit bureau removes it. XXXX XXXX XXXX adds the account back to every credit bureau. Ive provided this information by mail but XXXX XXXX XXXX continues to defame my name and this is in Violation of the Fair Credit Reporting Act and a Violation of the Debt Collection Practices Act.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX and I have never had a XXXX XXXX account and would like it deleted immediately.
Consumer complaint received 2024-05-17
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.