davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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)

In accordance with the Fair Credit act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Some of these accounts are a result of identity theft and a report is added to this complaint. 

Account name : XXXX XXXX XXXX XXXX XXXX 

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 an account without my written instructions.

15 USC 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. 

These inaccuracies are hindering me from getting a new apartment and I need to move in XXXX weeks. These inaccuracies may cause me and my family to be homeless if they are not removed from my report in a XXXX manner to allow me to get approved for an apartment.
Consumer complaint received 2024-05-15
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-15
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. (CA)

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

I tried opening and account online around XX/XX/XXXX and was denied. Then around XX/XX/XXXX I started receiving mail from Wells Fargo with odd names on them. Even received a few with my maiden name on them. I called the bank and reported this because I know to open accounts my credit has to be ran and while speaking with the representative noticed that the info used to Create the accounts wasnt even correct. They had my first name with my maiden name ( Ive been married for years ), and also had my year of birth XXXX number off. The email Was also changed to something I didnt recognize. She could not locate where the accounts were created so she routed me to the fraud department where I created a case. They told me the account was closed immediately and recommended I call credit bureau and fraud alert my social, so I did. The bank said they would get back to me within 7 days. I waited and no response from anyone regarding the situation. I called back and left messages and still no response. In XX/XX/XXXX I was scrolling through my old email and noticed I was receiving numerous emails about my wells Fargo account changes. I called wells Fargo again only to find out 2 more accounts were opened. I spoke with fraud department again and created a case. I asked numerous times how can accounts still be getting created with a fraud case open and alert of my social. The lady has no answer but assured me the current two accounts would be closed. I too it upon myself to look up the codes on the account numbers and noticed the accounts were being created around Nevada area. I live in North Carolina. I dont understand how several accounts can be open with my social but when I tried originally, it denied me. To this day I still receive mail with random names from Wells Fargo.
Consumer complaint received 2023-03-12
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: FIRSTBANK PUERTO RICO (OH)

This account is not mine and I have contacted first bank but they don't have any information in their systems. There are many violations according to FCRA. This account has been deleted from XXXX.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

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 2024-05-11
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)

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 XXXX XXXX  # XXXX Original creditor : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My accounts 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 to be removed/updated.

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 may 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. 

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!
Consumer complaint received 2024-09-03
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. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, 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 company is reporting to all 3 credit bureaus that I have an account with them. I have never opened an account with them, I have called, email and disputed with all 3 credit agencies and XXXXXXXX XXXX still claims that is mine. I show Iam a co owner with a person by the name of XXXX XXXX. This account was opened XX/XX/2022. I DO NOT know this person, I do not co own this account. I also see an address on my report that I do not recognize and maybe belongs to this person and account. XXXX XXXX XXXX XXXX MA XXXX. Ive never lived outside Florida nor know anyone at this address. Please look in to this.
Consumer complaint received 2024-05-15
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)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-15
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. (FL)

in According with the fair credit reporting act.the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report I dont recognize those hard inquiries that show bellowl ; 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 2024-08-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Upstart Holdings, Inc. (CA)

" I was scammed by https : //www.upstart.com into taking out a veteran-friendly loan to help me relocate. After taking out the loan, I struggled to make payments. They were aware that I receive VA XXXX payments and suggested I use that money to pay them. I attempted to settle the loan, but they refused, insisting that I continue making payments from my VA XXXX benefits. The loan has now been sold to XXXX XXXX XXXX, who are demanding payment from my VA XXXX benefits and threatening to sue and garnish those benefits if I don't comply. Under federal law, debt collectors can not garnish VA XXXX payments. I have tried reaching out to Velocity to negotiate, but they refuse and continue to threaten legal action. ''
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Please Send updated Credit report 1. XXXX XXXX XXXX XXXX {$4200.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX opened XX/XX/XXXX Never Late Please Update paid off
Consumer complaint received 2024-05-16
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)

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-08-29
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 letter serves as an official and urgent request that you, Experian, immediately block and remove the fraudulent and inaccurate information currently appearing on my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are required to take action within four ( 4 ) business days of receiving this complaint. 

The fraudulent accounts include : XXXX XXXX ( Opened : XX/XX/XXXX ), XXXX  XXXX  ( Opened : XX/XX/XXXX ), XXXX XXXX ( Opened : XX/XX/XXXX ), XXXX  XXXX ( Opened : XX/XX/XXXX ), XXXX  XXXX ( Opened : XX/XX/XXXX ), XXXX  XXXX ( Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXX ), XXXX XXXX XXXX ( Opened : XX/XX/XXXX ), XXXX ( Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), XXXX ( Opened : XX/XX/XXXX ), XXXX XXXX ( Opened : XX/XX/XXXX ), and XXXX  XXXX ( Opened : XX/XX/XXXX ). These fraudulent hard inquiries consist of 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 

These fraudulent accounts and inquiries were not opened, initiated, or authorized by me. They are the result of identity theft and fraud and have led to serious harm and injury to my consumer XXXX credit report. I do not recognize these accounts, and they must be removed immediately. Enclosed with this letter, you will find : XXXX. A list of the fraudulent accounts in question. XXXX. A copy of my consumer XXXX credit report, highlighting the fraudulent items. XXXX. A copy of the FTC Identity Theft Complaint ( XXXX ), confirms that these accounts are indeed the result of identity theft and fraud. I also wish to highlight the blatant inconsistency in the balance of the accounts, which differentiates balances with the same account numbers. This not only reflects negligence in verifying the accuracy of the information provided to you but also constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), to which I am fully protected under the law. Given the harm caused by these inaccuracies, I demand that the accounts be immediately deleted from my consumer credit report. You are required to mail me a corrected version of my consumer credit report without these fraudulent accounts. Failure to comply with this request will leave me with no choice but to take legal action against Experian under 15 USC 1681 ( e ) ( b ) for the harm and injury caused. This is your final opportunity to rectify this situation before further legal measures are pursued. I expect to see this matter resolved within the timeframe specified by law, and I will be monitoring my credit report closely to ensure compliance.
Consumer complaint received 2024-02-05
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 have yet to receive a real response or original contract and Ive been communicating with automated response but I know this is a stall tactic and my rights are being violated under 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) and the company doesnt seem to care so can you help please
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent inquiries and fraud accounts. Please block the account listed below : XXXX XXXX  : XXXX  This is the account I request to be removed permanently from my credit report. Please block these accounts. This account is unverifiable and violates my consumer rights.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Innovis (GA)

To whom it may consern : My identity had been stolen, I have been trying to resolve this problem, account had been place on my credit file everywhere, an FTC report had been file an a police report as well, these items should be remove from my credit inmediately. 
Some of this items already been deleted but some still remains, please help me to clear my name.
Consumer complaint received 2024-05-15
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-11
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. SXX/XX/XXXX) require the XXXX credit bureaus to validate these accounts (XX/XX/XXXX It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXX/XX/XXXXXXXX Balance : {$9700.00} XXXX XXXX XXXX : {$800.00} XX/XX/XXXXXX/XX/XXXXXXXX XXXX Balance : {$1800.00} XX/XX/XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.