davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I am trying to open a my social security account and I ca n't because of Experian. I was told by the Social Security administration that the accounts are handled by Experian. After doing some research I found out that if you have a security freeze or fraud alert on your file that you will not be able to open up an account. I really need to open the account so I can check my XXXX status. I never asked Experian to add a fraud alert on my file, they did it without my permission. Please help me rectify this problem.
Consumer complaint received 2024-06-06
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. (NY)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-05
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Michael J Adams PC (TX)

I received an email from my bank today that receives my Direct Deposit XXXX XXXX  XXXX that a hold had been placed on my account. This is my only income. 

I've had no previous contact about this. This debt if any is beyond the statute of limitations which they should have known.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (PA)

I have had a Bluebird by American Express for a number of years. It isnt where my paycheck is deposited, but a large sum of money was deposited from a settlement in XX/XX/2023, because it was on record from my employer. There initially was no issues, and I made one transaction in XXXX, and one in XXXX that was within the card limits on their website. 

On XX/XX/2023 I received an email that stated my card was permanently closed, and my account access was locked along with any access to records. They wouldnt tell me why and now refuse to answer any phone calls or messages. They would not tell me if or how I can receive my remaining balance of over {$35000.00} ( I dont know the exact dollar amount since they removed any access to records. Its very scary not knowing how or if I will be able to get that money I depend on.
Consumer complaint received 2024-06-04
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)

I have been in contact with the credit bureaus for a few months now regarding some accounts and inquiries that I do not recognize. These accounts are assumed to be fraudulent and when I disputed them according to FCRA-605B with a police report, FTC reports and letters with my personal information to verify my identity : XXXX took care of all the fraudulent accounts and inquiries, XXXX removed a couple and the inquiries, and Equifax removed the collection then added it back. Since the initial dispute in XX/XX/XXXX, I have not received any responses from XXXX or Equifax the last 2 times I sent letters in XXXX and XXXX asking why XXXX removed the fraudulent information, but the other XXXX bureaus have not. Also, the previous addresses reporting are incorrect. I am demanding that these fraudulent accounts and incorrect addresses be removed immediately and the only address that should be reporting is my current address on the letters being sent this month, XX/XX/XXXX.
Consumer complaint received 2024-06-06
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all violated my rights according to 15 u.s.c 1681 section 602 A
15 u.s.c 1681 section 604 A section 2
15 u.s.c 1681c.(a)(5)
15 u.s.c 1681s-2(A)(1)
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

This is my several endeavors to tell you that I am a victim of XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-05
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 am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, Equifax and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted XXXX, Equifax and XXXX Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted XXXX, Equifax and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Equifax and XXXX Credit Bureau 's requests. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX & XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-05
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: EQUIFAX, INC. (FL)

I requested again for the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-06
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. (TX)

I recently removed my credit report and noticed an account that was reporting inaccurately. I have 1 late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy if my credit report to this complaint on the following dates XX/XX/year>. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-04
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)

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain creditbit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (NY)

On XX/XX/XXXXXXXX  an agent from XXXX XXXX mistakenly overcharged my Chime account in the amount of {$260.00}. I requested that my account be debited {$130.00}. I immediately caught the error and call the cable company. I spoke with XXXX who told me to get in touch with Chime and dispute the error. I did this and Chime opened a dispute in the amount of {$260.00}, dispute number XXXX. 

On Saturday XX/XX/XXXX I was given a provisional credit of {$130.00}. On XX/XX/XXXX i contact the Chime dispute department requesting to know where the remainder of my money was ; Initially I spoke with XXXX who identified himself as a supervisor, he transferred me to XXXX in the disputes department, who told me the remaining money, of {$130.00} was paid to XXXX. No such payment was made, as verified by XXXX XXXX XXXX XXXX XXXX senior level management. From XXXX, I was transferred to XXXX, also claiming to be a supervisor in client disputes ; again I was told the money was forwarded to XXXX. I was forwarded a bank statement that they insisted had the missing money paid to XXXX. No such payment was made.I was transferred to Eme also stating she was a supervisor, I asked the same questions, she assured me my remaining balance of {$130.00}. Was paid to XXXX. I was then transferred back to XXXX, who could only say the investigation was not not concluded. I am a senior citizen and I need my money to take care of my responsibilities. I need your assistance in getting my money
Consumer complaint received 2024-06-06
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)

Upon review of my consumer credit reports from TRANSUNION, XXXX, AND XXXX, I noticed the following errors : Outdated address information. Incorrect names, and Unknown employers. 

I ALSO FOUND THE FOLLOWING ERRONEOUS INFORMATION WITHIN MY XXXX, TRANSUNION, AND XXXX XXXX REPORTS : account from XXXX  XXXX opened XX/XX/XXXX. This account was opened fraudulently. An account from XXXX XXXX opened XX/XX/XXXX listed as an authorized user. I have never been an authorized user on and XXXX XXXX account. An account with XXXX XXXX XXXX XXXX XX/XX/XXXX. This account is fraudulent. An account with XXXX XXXX XXXX XXXX opened XX/XX/XXXX. This account was opened fraudulently. An account with XXXX  XXXX XXXX  opened XX/XX/XXXX opened fraudulently. I have requested to be removed from a closes XXXX XXXX account opened XX/XX/XXXX as that account does not belong to me. An account that was sold to XXXX XXXX XXXX from original creditor XXXX  XXXX reported as opened XX/XX/XXXX is a fraudulently opened account. A collection account bought from XXXX XXXX by XXXX XXXX XXXX opened XX/XX/XXXX is a fraudulently opened account. An account sold to XXXX XXXXXXXX XXXX  by XXXX XXXX XXXX  opened XX/XX/XXXX is a fraudulently opened account. 
FRAUDULENT INQUIRIES IN MY XXXX CREDIT REPORT ARE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - reported by XXXX, XXXX XXXX XXXX - XX/XX/XXXX - reported by XXXX XXXXXXXX XXXX  XX/XX/XXXX - reported to TRANSUNION XXXX XXXX XXXX - XX/XX/XXXX - reported to XXXX, TRANSUNION, XXXX XXXX XXXX XXXX - XX/XX/XXXX - reported to TRANSUNION and XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - XXXX to XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - reported to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX to XXXX XXXX XXXX - XX/XX/XXXX - XXXX to XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - reported to XXXX XXXX XXXX XX/XX/XXXX - reported by XXXX XXXX XXXX - XX/XX/XXXX XXXX reported to XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX reported to XXXX Each account, and inquiry I have listed herein , are in fact fraudulent, as i did not provide consent to these companies to utilize any of my personal identifying information to establish an account, and/or provide services. 
I have been unsuccessful in my attempts to remove the fraudulent information from my consumer report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Ive had this XXXX XXXX account on my credit report as 60 day late payment then I disputed it then they updated it to 30 day late payment..in actuality it should never be on my credit file because its an errored account..I have a at fault letter from the dealership adventure XXXX XXXX stating that they were late on the payment not me..Ive had this problem on my credit history for 6 years and its effected my credit profile and score tremendously and its not fair and its illegal
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These lenders have accessed my credit file without my knowledge or consent, some have even done it multiple times and within a period of 5 days apart. I have sent letters to these organizations to have these hard inquiries removed from my credit report and I keep receiving requests asking for an account number, which I don't have or know. Some have also responded stating that they would remove the hard inquiry, but it still shows on my credit file, affecting my ability to obtain credit approvals from lenders I actually want to solicit. Please have these organizations remove their hard inquiry from my credit file. I also have submitted a report for identity theft : IdentityTheft.gov Reference Number - XXXX XXXX / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX / ( XXXX ) XXXX Inquiry date - XX/XX/XXXXXXXX XXXX / ( XXXX ) XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry date - XX/XX/XXXX responded would remove inquiry, yet it still reflects on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date - XX/XX/XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX / NO INFORMATION FOUND FOR ORGANIZATION Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX / NO CONTACT INFORMATION FOR ORGANIZATION Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX  / XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX/ ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX/ ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX  / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX ; XX/XX/XXXX XXXX - XXXX XXXX  / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX ) XXXX No response from dealership Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Said there would be no impact to my credit score, yet here it shows up XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 2021
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV INC. (CA)

I used clover as my business merchant service provider. On XX/XX/2023, Clover decided to close my merchant account and held over {$23000.00} fund as reserve. The fund are held over 90 days now and when I requested an update, the representative advised the the fund will stay there forever and advised that I will not receive the fund that belongs to my business.