davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX. Scammer contacted us and told us we had pre-authorized charges pending on our Wells Fargo Account and to avoid those processing, we had to go to ATM to correct. {$990.00} fraudulent purchase of Bitcoin charged to our debit card. XX/XX/XXXX - We immediately visited WF Branch and they failed to take proper actions to halt charge. 

XX/XX/XXXX. Wells Fargo sent us letter stating the transaction was in their finding authorized. 

XX/XX/XXXX. We called WF claims dept requesting materials they had reviewed. 

XX/XX/XXXX. We received slim packet of information that did not address any of our concerns about WF actions taken or not taken immediately after ATM transaction. 

XX/XX/XXXX Sent formal reconsider request of denied fraud claim ( XXXX to WF along with Sheriffs full report ( XXXX XXXX ), screenshot of claim 's incorrect bank recording at time, and additional details. 

XX/XX/XXXX. Called WF Claims Dept to see about progress on claim. Agent says it must be investigated by investigators. Received no further word to date.
Consumer complaint received 2024-06-08
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)

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-07
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/XXXX  Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXXXXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-15
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. (FL)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-07
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 was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. Please see the personal information listed at the top of this letter and remove all information that does not match it. 
According to the Fair Credit Reporting Act, I request that you start investigation these items and make corrections accordingly. I look forward to hearing from you I would like you to conduct an investigation for me to make certain that everything is accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-10
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. ()

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX XX/XX/year> Credit Bureau Dispute of Account Verification Accounts XXXX XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX  XXXX Reported Balance {$9200.00} XXXX XXXX Account Number XXXX XXXX Reported Balance {$16000.00} Dear Sir/Madam, I am writing to dispute the information on my credit report related to the above-referenced accounts. According to my recent credit report, this account was verified by your bureau as accurate. However, I am requesting a detailed explanation and method of verification for this account as stipulated under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method used to verify the information on my credit report. Therefore, I request that you provide me with the following information : 1. The name, address, and phone number of the person or entity who verified the accuracy of the account information.

2. A description of the procedure used to verify the information.

I believe that the information reported is inaccurate and I am requesting that you re-investigate this account. Please correct or remove the disputed information as soon as possible, and send me an updated copy of my credit report.

In the event that you find the information to be accurate, please provide me with a description of the process used to determine this, including the name and contact information of anyone contacted during your investigation.

Additionally, please notify the furnisher of the information of my dispute and provide them with all relevant information regarding this matter as required by 15 U.S. Code 1681i ( a ) ( 2 ).

I expect a response from you within the 30-day period as required by law. If the disputed information is not corrected or if I do not receive a satisfactory response within the specified time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel. 

Thank you for your prompt attention to this matter. 

Sincerely,
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX is reporting inaccurate and outdated information I have asked them several times if they could remove or update the information. 

XX/XX/year> XX/XX/year> XX/XX/year> {$20000.00} {$13000.00} {$20000.00} Information is inconsistent and inaccurate across all three credit bureau 's once again violating my rights per the FCRA.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute inaccurate information on my credit report, which has adversely affected my XXXX XXXX. This is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Recently, my account balance was incorrectly reported. The correct balance of my account is {$28000.00}. However, the agencies reported that my balance increased, which is not true. Specifically, my balance decreased from {$29000.00} to {$28000.00}, and the correct current balance is {$28000.00}. 

According to 15 U.S. Code 1681 - Section XXXX ( a ), I have a right to privacy. Additionally, 15 U.S. Code 1681 - Section XXXX ( a ) ( XXXX ) states that a consumer reporting agency can not furnish an account without my written consent. Therefore, the erroneous reporting not only misrepresents my financial status but also violates my rights under these provisions. 

I request that the inaccurate information be corrected immediately, and my credit score be adjusted to reflect the accurate balance of {$28000.00}. Please confirm receipt of this letter and inform me of the steps being taken to resolve this issue.
Consumer complaint received 2024-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-07
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-06-08
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. (TN)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC

1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor m
ay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MD)

I am having an issue with the company Venmo releasing my funds on my account. For almost four ( 4 ) weeks, I have been attempting to get Venmo to correct a credit card issue with their system. I was able to accept credit card payments using their system. However, their system WILL NOT release the funds to me. I have alerted the company to the issue, yet, they have yet to correct it ; however, they refuse to correct it. I need to know when will the actions of this company be considered theft of funds.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (AZ)

I, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I applied for a XXXX Credit Card on XXXX XXXX XXXX My consumer credit transaction with my social security number that is referenced by congress as a credit card, pursuant 15 U.S.C 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. AMERICAN EXPRESS is criminally liable for violating 15 U.S.C 1691 as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received. In Pursuant of 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore AMERICAN EXPRESS is unable to lend a consumer, natural person, and original creditor anything. AMERICAN EXPRESS is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS.
Consumer complaint received 2023-06-17
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: EQUIFAX, INC. (GA)

XXXX XXXX 15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) 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 the accounts listed IMMEDIATELY!
Consumer complaint received 2024-06-07
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. (PA)

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. The following credit reporting agencies are violating my consumer reporting rights and it is damaging my reputation. I have attached several documents for your review. Please remove these documents immediately.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (FL)

Unknown and unauthorized inquiries on XXXX, XXXX. XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (NV)

I am writing to formally dispute an account that appears on my credit report. The account in question is from RADIUS GLOBAL SOLUTIONS with the original creditor being XXXX. 

Here are the details of the account : Account Number : XXXX Date Opened : XX/XX/year> Original Balance : {$380.00} Current Balance : {$380.00} Status : Collection account, {$380.00} past due as of XX/XX/year> Balance Updated On : XX/XX/year> Status Updated On : XX/XX/year> I believe this account is inaccurate for the following reasons : Discrepancy in Balance Details : Despite my repeated attempts to resolve this matter with XXXX directly, the account remains unresolved. The balance does not accurately reflect the payments and adjustments made. 
Questionable Collection Practices : The account was transferred to RADIUS GLOBAL SOLUTIONS without proper notification or validation of the debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 
Lack of Proof of Original Debt : RADIUS GLOBAL SOLUTIONS is not the original creditor and has failed to provide proof of my wet signature on any contract or agreement that substantiates this debt. 
Credit Report Impact : The account 's status as a collection account has had a significant negative impact on my credit score, affecting my ability to secure financing and other credit-related opportunities. 
Given these circumstances, I am requesting the CFPB to investigate this matter and assist in having this account removed from my credit report. I have attached copies of relevant documents, including my correspondence with XXXX and RADIUS GLOBAL SOLUTIONS, and my credit report showing the disputed account. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2024-06-07
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-06-08
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)

It seems my credit file has been compromised once more. Upon reviewing my records, I found several items that do not belong to me. Under section 605b of the FCRA, you are legally obligated to remove any items identified as fraudulent due to identity theft. These disputed items are not mine, and I request their removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX