davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 number : XXXX, Account name : XXXX Bank has XXXX my rights. 
-Account number : XXXX, Account name : XXXX XXXX XXXX has XXXX my rights. 
-Account number : XXXX, Account XXXX : XXXX has XXXX my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-16
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. (IN)

**Dispute Report** Date : XX/XX/year> Subject : Removal of Fraudulent Accounts and Hard Inquiries from Credit Report To Whom It May Concern, I am writing to dispute the presence of several accounts and hard inquiries on my credit report, which are negatively impacting my credit score. Below is a list of accounts and inquiries that I believe were fraudulently opened without my consent or knowledge : **Accounts : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I request their immediate removal from my credit report. Furthermore, I am requesting an update to my personal information on file. Please remove the following business name associated with my account : **Remove Business Name : ** XXXX XXXX XXXX XXXX, I request the correction of my name to " XXXX XXXX XXXX XXXX across all accounts and records. 

**Hard Inquiries Needing Instant 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 XXXX XXXX XXXX XXXX XXXX And any others that may be present. 

These hard inquiries were made without my authorization, and I request their immediate removal from my credit report as per the law. 

I am enclosing copies of relevant documents supporting my claim, including identification and proof of address. 

Please investigate this matter promptly and provide written confirmation of the actions taken to resolve these disputes. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC (FL)

I did a short sale with my finance company and paid off the loan, And my extended warranty and gap payments were sent to the finance company and now they dont want to return my money to me, I need help to get my refund back
Consumer complaint received 2024-06-21
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)

I have items listed on my file that I did not charge. 
ACCOUNTS : XXXX XXXX XXXX  {$15000.00} XXXX XXXX XXXX {$7000.00}
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. (FL)

According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

On Tuesday the XXXX of XXXX, there were XXXX attempts to withdraw funds from my checking account. Each attempt was declined until a {$3500.00} withdrawal was taken from my account. 

On Tuesday afternoon I called Wells Fargo to report the transaction as fraud. I filed the claim and I am supposed to receive more information and the claim status in 10 days. Below is the transaction information from the fraudulent {$3500.00} withdrawal from my checking account. 


Merchant Name : XXXX Merchant XXXX, XXXX, XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Other Miscellaneous
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. (FL)

Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-16
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. (MI)

Dear transunion PAST DISPUTE TRACKING # XXXX # XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX 1. XXXX- XXXX : No notice of dispute. Delete for violation of FCRA 623 ( a ) ( 3 ). I disputed on XXXX by XX/XX/XXXX there was no notice of dispute. Delete this account for false reporting & failure to update information under FCRA rights remove or delete immediately. 

SOLUTION : i want this account removed or deleted for no notice of dispute thats a violation been about 3 months. nothing was verified or no investigation from since last reported dates XX/XX/XXXX & no phone number to verify me information from grow credit systems. Delete or remove grow XXXX
Consumer complaint received 2024-05-14
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 deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2024-05-16
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. (IL)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$220.00} XXXX XXXX XXXX {$220.00} XXXX - XXXX {$4.00} XXXX XXXX - XXXX XXXX  XXXX - XXXX {$39.00}
Consumer complaint received 2024-05-16
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. (IL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2023-06-19
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 — Was not notified of investigation status or results
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, XXXXAccount name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
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. (FL)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (MD)

I have repeatedly tried to resolve the issue of false, incorrect, and misleading data on my consumer report, but the problem persists. These inaccuracies have severely disrupted my life, causing considerable distress. I must emphasize that I never approved or agreed to have this information linked to my identity, as I have been a victim of identity theft.
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc (NY)

On XX/XX/XXXX I went to XXXX XXXX in XXXX NY. I tried to purchase a trailer ( SKU XXXX ) with a virtual credit card from Affirm Financial When the store tried to run the card it said the card was declined/ not enough funds. So the purchase was declined. I never purchased the trailer. Affirm is still trying to make me pay for this transaction that I never received. I have asked Affirm to cancel this transaction for me and they continue to say that this transaction can't be cancelled because it shows processing through XXXX XXXX but the purchase never went through it was DECLINED. Affirm is making me pay for something that I never received because there card did not work.
Consumer complaint received 2024-05-16
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. (NE)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-16
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. (SC)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Transuion my credit age is 12 years even if a student loan has been wiped off of XXXX XXXX Credit file... 
Dear Transuion please fix your credit computers This is really embarrassing As an agency you should really take stock to not be an embarrassment to consumers and people that have trust in you as an agency for fair consumer reporting Do you not have bosses and supervisors that look over your reports My credit score has not risen for 5 months and XXXX XXXX pays Bills You apologize for the inconvenience But you keep doing the same illiterate methods Please consider my credit limit There are two on there But you record it as 1 and F What is your malfunction?? 
Do you not see something wrong with that?? 
Look at it yourself An XXXX would put up a score like that for someone with that long of a credit age and credit activity ... ... Dear Transuion
Consumer complaint received 2024-05-15
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. (VA)

I contacted XXXX XXXX XXXX on XX/XX/XXXX via US Mail and via the three major credit reporting bureaus XXXX, XXXX and TransUnion to inform them of the fact that I had discovered a fraudulent account being reported by XXXX XXXXXXXX ( account reference number provided : XXXX ) on my credit reports on behalf of XXXX XXXXXXXX XXXX. I provided each of the concerned parties copies of the Identity Theft Report I filed with my local police department detailing the Identity Theft I had suffered and I specifically requested that this fraudulent account be removed from my credit files immediately pursuant to 15 USC 1682c-2. I also requested verification of the debt from XXXX XXXX XXXX, to include details about how the account was opened, what personal information of mine was utilized in the fraud in order to successfully open and/or maintain continued usage of the account, any identifiable information regarding any possible linked payment methods associated with the account which may help me to either identify the perpetrator and/or discover whether other fraudulent accounts may have been opened elsewhere using my personal information, transaction records, statements, billing addresses associated with the account, what methods are used ( if any ) to verify the information associated with the account, etc. XXXX XXXXXXXX XXXX ignored my requests and following the dispute process with XXXX, XXXX and TransUnion, erroneously concluded that the information regarding this account was verified as accurate. It is not accurate. This account is the direct result of a pattern of fraud being perpetrated by someone who managed to steal my wallet back in XX/XX/XXXX and in fact, this is the second time that XXXX XXXX has allowed this individual to open a fraudulent credit card account with XXXX XXXXXXXX XXXX  using my identity. Upon further inspection of my other credit reports with XXXX XXXX XXXX ( XXXX ) and XXXX, I also recently discovered that there were also multiple fraudulent checking and savings accounts opened in my name with XXXX XXXX XXXX as well. I had also reported those previous identity theft incidents to police and obtained replacements for my missing Virginia Driver 's License, Washington DC issued Birth Certificate, Social Security Card, bank debit cards, credit cards and other sensitive items. Despite the fact that I fully informed XXXX XXXXXXXX of these details and facts, they continue to disregard my correspondence and report this fraudulent account to the three major credit bureaus in violation of 15 USC 1682c-2 and other applicable consumer protection laws. These fraudulent credit card account entries still appear on all three of my major credit reports and the fraudulent bank accounts still appear on my XXXX  and XXXX reports.
Consumer complaint received 2024-05-23
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.