davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2024-05-20
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. (CA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have maintained timely payments on this account without any delays. I am confused by the late payment remarks on my accounts. Under 15 USC 1666b, any billing errors should be rectified.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

On XXXX XXXX i opened an buisness account for my LLC at Chase Bank XXXX in XXXX XXXX at XXXX XXXX XXXX -the LLC was formed in order to buy real estate in the US.Everything was ok throw the years, with no problems. 
My account was always with money in the account. 
On XX/XX/XXXX i recived an email informing me that my balance is XXXX, i immediately checked online and saw there is a pending check for the balance that was in the account and after a few hours the account disappeared and i couldnt reach it. 
I was afraid it was a fraud and contacted that bank in the secured messages and throw the phone- on that call i was iformed that the bank decided to close my account, and that the decision was made back on XX/XX/XXXX, they said it is a final decision, that its irreversible and that they do not have to give me the reason. 
What happend was that on XX/XX/XXXX i found out there were XXXX fraudulent wires from my account ( XXXX on the amount of XXXX $ and XXXX on the amount of XXXX $ - total of XXXX $ ) - the wires were from XX/XX/XXXX to XX/XX/XXXX. 
I asked the bank to get a refund for these wires, and they responded that it is my responsebility to check my account and they refunded only XXXX $ from XXXX. 
I contacted them back and explaned them that i am from XXXX, and because of the war and the bad situation in my country i did not manage to check the account these months and asked for their consideration, the responce was that they will see what they can do, i didnt get any answer and on XX/XX/XXXX i asked again- and got the same responce- that they will not pay the rest of the amount... 
Never did i get a notification that they decided to close my account! no email, no letter!! 
They said that they will send the balance by a check to my mailing address in XXXX, but i cant do nothing with this check in XXXX since it is a US LLC- i will have to fly to the US and open a new account in a different bank. 
I feel they did that on purpose for XXXX and XXXX reseons only- there is no other reason! 
I want to receive compensation for the unfair treatment I received and which also damaged my business activity.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureaus, have already removed these late payments from this account from their records due to an unidentified error. I am perplexed as to how you have verified this account while the other bureaus have updated them and the bank also approved of updating the status of the account to closed never late after I talked to them on the phone. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX
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: EQUIFAX, INC. (SC)

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.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to report a case of identity theft and request immediate action to prevent further unauthorized activity on my credit reports. As advised by my credit bureaus, XXXX, TransUnion, and XXXX, I am submitting this report to block the fraudulent accounts and protect my credit information. 

I discovered that my personal and financial information had been compromised, resulting in the opening of multiple accounts in my name. These accounts were not authorized by me, and I am unaware of the individuals or entities responsible for the identity theft. 

As advised by my credit bureaus, I am requesting that all these accounts be immediately blocked to prevent further unauthorized activity. I also request that all inquiries and credit applications associated with these accounts be removed from my credit reports. 

I appreciate your prompt attention to this matter, and I look forward to resolving this issue as soon as possible.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX of Virginia, which is the parent company of XXXX XXXX XXXX, is reporting information that should not be on my consumer reports. Account # : XXXX. The debt associated with the account has been cancelled and is now considered income according to the IRS manual. XXXX is not allowed to be reported on a consumer report. 
Attached is the IRS filing copy b of the 1099 C in which the IRS has processed and accepted. 
Remove the account from the report immediately!
Consumer complaint received 2024-05-20
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. (AZ)

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, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) States I have the right to privacy. 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-20
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. (TN)

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 to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information which 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, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX SQ XXXX, VA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (TN)

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 informationisinaccurate.
Consumer complaint received 2024-08-26
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. (GA)

On or around the following dates, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, I respectfully requested to be provided proof of the alleged items listed on my credit report, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed items are entirely inaccurate and incomplete, and as such represent a very serious error in their reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (AL)

They are violating my consumer right under the Fair reporting acting Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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. (FL)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX {$980.00} XXXX  XXXX {$570.00} XXXX  XXXX {$6200.00} XXXX XX/XX/2022 XXXX  XX/XX/2022
Consumer complaint received 2024-05-20
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. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-20
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. (CA)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Core Capital Lending LLC (GA)

XXXX XXXX WITH CORE XXXX  had a refinace cash out of XXXX after i signed they changed to XXXX they STOLE XXXX XXXX FROM ME NOT ACCEPTABLE
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists ( Please delete the following accounts before I seek litigation for defamation of character ) 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
Consumer complaint received 2024-05-20
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-20
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)

I am receiving a collections on my credit report from ability recovery services. I believe this is a fraudulent attempt to collect a debt that does not exists and the creditor is attempted to commit blatant fraud. I have no debt with ability recovery services nor do I have a debt with the original creditor. This is an attempt to scam me as a consumer and is continuing to violate my rights. Please remove the collection immediately.
Consumer complaint received 2023-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (AZ)

Back on XX/XX/XXXX, I opened a Lease Account with Koalafi. According to the payoff amount/balanced that was reflected in my Koalafi online account when I open the Lease in XXXX of XXXX was {$1100.00}. The payments were set up automatically every 2-weeks on the amount of {$130.00} plus I was additionally paying {$66.00}. I went back to my bank account records, between XX/XX/XXXX, and XX/XX/XXXX a total of {$1100.00} was paid to Koalafi. When I called them back on XX/XX/XXXX to informed them that I had overpaid in my account since the original Lease Amount was only {$1100.00} I was surprised to realized that according to their records my original XXXX XXXX was {$1300.00}. Therefore, I was in default with an amount of {$170.00} which I was not aware. As a result, they increased the amount of my Lease Amount to {$1700.00}. I tried calling several times in XX/XX/XXXX, XX/XX/XXXX. I was sick for several months, and I could not make any other attempts to call between XXXX and XX/XX/XXXX. I resumed my attempts to call them XX/XX/XXXX, and XX/XX/XXXX. Today, XX/XX/XXXX, I was able to speak to someone via chat communication online. I asked to speak to a manager, but I had not luck. According to representative a manger will return my call within 5 business days. However, back in XXXX and XX/XX/XXXX I received the same response, and no one returned my messages. As of XX/XX/XXXX, Koalafi has reported a passed due amount of more than 90 days to the 3 major credit bureaus, and they have managed to affect my credit disproportionately. However, I feel that I as a consumer, I made my payments on time every 2-weeks with additional payment amount to cover what it was reflected in my account when originally opening my Lease Account. I need your assistance to get this situation resolved. There was a mistake in the Lease Amount showing in my account back in XX/XX/XXXX vs the lease payoff amount showing in their system. I am willing to pay what is fair for the consumer. I am willing cover the {$170.00} that supposedly was part of the original Lease Amount from back in XX/XX/XXXX. However, I do not think is fair for consumers having to pay unproportionally amounts of money when they did not receive the correct information.
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (WA)

i had my car repossed from wellsfargo due to XXXX policy being added to my account made my XXXX payment go up to XXXX for the XXXX policy XXXX days before payment and XXXX days after adding this policy wich i did not need due to the fact that i had my own personal insurence and gap insurence when i got the loan for the car and my car was purchased for personal use so they should not have even added Any policy to my account my interest went high and i fell behind they repoed my car XXXX days after adding the XXXX and then sold it in auction withought me being notified of where it was even at on top of all thing the settlement check they sent me went to a bancrupty trustee in Spokane that i never heard of i have never been or filed for bankruptcy amount was XXXX XXXX also went through mediation and that was a joke the first statement the mediator made was that him and wells fargo deal with people like me every day i was so emotionally drained that they were making jump through hoops for something that belonged to me anyways after they denied me getting another check made out that the bankruptcy trusstee recieved and cashed was denied please help even on the refund they did send they were still lying and stealling out money again why let the bank who robbed us be in control of our refund money .they also missapplied paymenrts incorrect fee and interest rates were charged to my account if redressed you will see that i would have hAD MY CAR PAYED OFF IF IT WASNT FOR THE XXXX POLICY