davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
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. (GA)

Please update the late payments remarks and status from my credit report. Status are cause of pandemic, please help me about this status and remarks for me to increase my credit score, as we badly needed to pass on our mortgage inquiries. I have never been before and after on pandemic, i hope you understand and help regarding on this matter.
Consumer complaint received 2024-01-20
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. (NV)

Last XXXX months inquiries and credit checks for credit cards have been run without my consent. I have not applied for anything. This is fraudulent activity. Already have police report submitted and FTC fraud complaint I sent to all XXXX bureaus and no resolution
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-05-03
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-20
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or 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 2024-06-13
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: EQUIFAX, INC. (FL)

I do not recognize these credit inquires. I have asked for them to be removed and the Bureau did not do what I asked. I am providing an identity theft report which I will attach to this message. I am requesting them to be removed because they are incorrect and not mine.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law FCRA XXXX XXXX Fraudulent accounts include : XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX $ Fraudulent address never lived that : 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 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One has an incorrect balance for my account and is reporting incorrectly on my credit report. I have sent 40+ emails over the last 1-2 years and they do not ever respond or give me an email to speak to someone because they give me incorrect information over the phone so I only want to communicate through email
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AK)

There are still overdraft fees being charged to my business account daily. This has been going on for several years now. Usually the fees have been refunded per my request since money goes into this account daily. Now the bank is refusing to refund the fees and has told me they made changes to my business account without my knowledge or consent. Here is an example of the fees from the last XXXX  days : RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX BILL PAYMENT {$140.00} PAID {$0.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX {$9.00} PAID {$35.00} Total Fee ( s ) : {$35.00} Transaction Description Amount Action Fee PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX {$90.00} PAID {$0.00} PURCHASE AUTHORIZED ON XXXX XXXX {$10.00} PAID {$35.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX {$1.00} PAID {$0.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX {$93.00} PAID {$35.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX {$32.00} PAID {$35.00} Total Fee ( s ) : {$100.00} This is a business account with my debit card attached to it. I am currently on XXXX XXXX  with reduced income due to a recent XXXX. I also have huge medical bills to pay now. 
None of this has been taken into consideration when the bank is charging these fees. There is also the issue of deposits and transfers not being posted in a timely manner. The bank is processing transactions and adding fees before posting the deposits.
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2023-12-04
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-20
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. 

Account Name : XXXX XXXX Account Number : XXXX  Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-03-28
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (PA)

Went to Lowes on XX/XX/23 and made a purchase for under {$20.00} with my debit card. 
I did not apply for a credit card there and would not because I usually shop at XXXX XXXX. I did not give permission for them to submit a hard credit inquiry and want it removed from my credit history. When trying to call them to resolve the issue I cant even speak to anyone because I dont have an account number to reference to the automated system.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 2023-11-02
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)

THIS IS NOT A DUPLICATE REPORT It contains items submitted today to government entities that Trans Union will not address and accept. 

Trans Union REFUSES to remove hard inquires from my report that are fraudulent. I did not apply for a XXXX at any time, and two accounts listed ( XXXX XXXX XXXX XXXX XXXX ) still remain. The other agencies have removed these. 

I was denied housing, one of the reasons was THESE HARD INQUIRIES as stated on the adverse action. 

ANOTHER was the fact that they continue to list the last fraudulent account out of 25 or more that were made while I was medically incapacitated and LEGALLY unable to make decisions for myself or take out loans etc. 

This was done DIGITALLY and since the person had access to ALL of my personal information and bank account, I had no idea it was done, had been done, or received any monies from the transaction or goods - or could have know of their existence. 

These items need REMOVED. 

XXXX is also reporting the XXXX XXXX account and refuses to remove it. 

XXXX refuses to remove two items, including a XXXX account and the above mentioned XXXX XXXX account. The XXXX account was taken out during the same time frame in XXXX, but as many others did my LEGAL NAME was not used when opening it. I have asked for a SIGNED copy of the report, but it does not exist. The vendor stated " it was digitally signed. '' This fact made it EASY for someone to open this and over 25 otrher accunts as all they needed was my information and bank account info. NO attempt was made to contact me to verfy, or ANY other type of verification. This behavior is and continues to be reckless, and the company has nothing to lose as it then harasses vicitms to repay the monies taken out illegally, compounding the problem with PREDATORY behavior. In their own words ( and XXXX XXXX SAID THE SAME ) " we don't care who pays it someone will - whether they took out the loan or not. '' They are revictimizing people with this behavior. 

FURTHER, the XXXX account was opened with a false name I do not use, and had charges made XXXX miles from where I live in a short period then apparently thrown away. 

I have attached all the needed documents to do remove these and identify me. 

I AM NOT MAKING THIS DISPUTE IN ERROR. 
I AM NOT MISREPRESNTING FACTS. My XXXX through XXXX and the documented reports from LAW ENFORCEMENT ( APS ) verify both the injuries, circumstances, and the crimes committed against me. 
I HAVE NOT RECEIVCED GOOD OR SERVICES AND AS A REULT OF MY DISABLING INJURY COULD NOT HAVE BEEN AWARE OF ANY GOODS, MONIES OR SERVICES RECEIVED. 

The agencies CONTINUE to send CANNED responses simply stating I did one of the above. 

IT IS NOT THE CASE. 

I HAVE SUBMITTED FTC ( newly filed today ), CFPB ( NEWLY FILED TODAY ), XXXX, and LAW ENFORCEMENT ( APS ) files to the agencies. XXXX IS A LAW ENFORCEMENT AGENCY AND HANDLES VULNERABLE ADULTS LIKE MYSELF.
Consumer complaint received 2023-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (FL)

PLEASE REMOVE THAT COLLECTION ACCOUNT FROM MY REPORT, SOURCE RECEIVABLES MANAGEMENT IS NOT ALLOWED TO COLLECT ANY MONEY IN XXXX.

Source Receivables Management, 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
Consumer complaint received 2024-06-13
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$32000.00} XXXX XXXXXXXX Balance Owed : {$32000.00} XXXX XXXX XXXX Owed : {$32000.00}
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My mortgage company continues to call from the XXXX of the month asking me if I have made my mortgage payment. It is technically not late until the XXXX of the month but they start calling on the XXXX of the month until I either answer the phone and state it 's on automatic dialer.
Consumer complaint received 2024-01-20
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. (NM)

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 2023-04-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (ND)

Had an account with XXXX XXXX, it was paid off. Then in 2023 the account popped up on my report as a charge off by citizens bank for the amount I originally financed was approx XXXX that was paid off, then they state XXXX is owed. My credit was excellent and then this hit my score hard. You can see my record is impeccable and this is false reporting that is damaging my credit.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).