davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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. (SC)

Subject : Urgent : Cease Unauthorized Inquiries and Rectify Violations Dear TransUnion, I write with utmost concern and urgency regarding the blatant violations present on my credit report. The following unauthorized inquiries have been made without my explicit consent, constituting not only a severe breach of privacy but potential identity theft : 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 This egregious violation not only questions the integrity of my personal information but raises serious concerns about identity theft. In addressing these unauthorized inquiries, several key legal violations come to light : 1. **Fair Credit Reporting Act ( FCRA ) Violations : ** - Section 604 : The inquiries lack permissible purpose, violating my rights to privacy.

- Section 606 : The disclosure of investigative consumer reports occurred without proper authorization.

- Section 609 : I have not been provided with adequate disclosures about these inquiries.

- Section 611 : The procedures for disputing inaccuracies have been overlooked. 

2. **South Carolina Consumer Protection Code Violations : ** - Title 37, Chapter 20 : Unfair or deceptive acts or practices have been committed.

- Section 37-20-110 : The unauthorized inquiries are clear violations of this code.

- Section 37-20-160 : Procedures for correction of inaccurate information have been disregarded.

I demand an immediate and thorough investigation into these violations, with prompt removal of these unauthorized inquiries from my credit report. Failure to do so will compel me to take further legal action to protect my rights and seek redress for the damages incurred.

Your swift and decisive action in rectifying these violations is not only legally mandated but also essential in restoring the integrity of my credit history. I anticipate your cooperation in this matter and expect resolution within a reasonable timeframe. 

This complaint was construed and submitted in good faith.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

Hello I am a victim of identity theft, these XXXX accounts listed below aren't mines. I have my police report and ftc. my id as well. 


I have no knowledge or information on these said accounts. 
XXXX XXXX Wells Fargo bank XXXX
Consumer complaint received 2023-04-27
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. (GA)

I submitted a complaint on XX/XX/, complaint # : XXXX to Experian regarding incorrect information that is reported on my credit report, and multiple bankruptcies. 

Experian submitted a response on XX/XX/2023 : ... '' At your request to conduct a reinvestigation, we contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. '' I've reached out to XXXX ( Experian vendor ), regarding the response Experian provided. 

XXXX sent me a letter dated XX/XX/, regarding the multiple bankruptcies. stating : " In an effort to resolve XXXX XXXX concerns, XXXX did not locate the records listed below in XXXX XXXX file with XXXX. 
Bankruptcy Record : Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX '' I've also attached multiple documents that I received from the Bankruptcy courthouse saying they have never sent any information to Experian.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

I had been banking with Chime for about XXXX halve years! I receive my childrens XXXX check threw chime ( XXXX girls ) on or about the XXXX of every month and I also receive my personal XXXX check around the XXXX of every month for myself!! 
I have debilitating/crippling XXXX XXXX. XXXX This situation caused me to get evicted and living in the streets for quite sometime primarily because I had just taken the time to undergo a full XXXX XXXX! 
I started getting notifications to my phone that that I needed to go over my account balance! Some way or another chime took the money and literally said it was not them it was my other bank XXXX XXXX who was alot more courteous in their endeavors! I know that XXXX XXXX Did Not Take The Money because as I was XXXX from the XXXX I called chime and they said they had a hold on my funds due to me having another account! It really should not have concerned them about what was in another account Iam a veteran and thats primarily what XXXX federal is for!! I spoke to several different representatives and sent several letters and emailed proof of transactions! As a company chime threatened me and pretty much warned me that if I continue distributing and or disrespecting their business model they would terminate my services! Needless to say they did! I was able to prove the money XXXX. The account and being there was a XXXX XXXX XXXX  you would have thought they would have done the right thing instead of insulting me my intelligence and everything I stand for! That is easy to prove due to all the XXXX XXXX I purposely left behind because it was almost like an horror dream that continued to repeat! I email them all the info they request then they email me back that my case was closed and theres nothing they could do! However doing my due diligence I bring the situation to XXXX XXXX attention in which they were appalled! They denied any wrong doing and went as far as opening the statements back up to prove to me they do not have an alliance with chime now or never would!! Please help that was an extremely large amount of money for them to take I almost feel like I need a late yet because at the end of the day that was straight up robbery oh and then they closed my accounts!
Consumer complaint received 2024-01-11
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 Reporting act, XXXX account XXXX XXXX XXXXXXXX, 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 that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act ( ex : XXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I requested that companies remove unauthorized inquiries and they refused. 
Capital One XXXX, XX/XX/year>XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX, XX/XX/year> 2024
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I submitted a dispute to Transunion due to identity theft. The dispute was completely ignored. I called Transunion and was unable to get a straight answer as to why they had not responded to my dispute. The rep suggested that I resend the information and provided me with a list oof documents to send. On XX/XX/XXXX, I resubmitted my dispute to Transunion and included my dispute letter, my drivers license, my social security card, a copy of my police report, my paper identity theft affidavit, and the identity theft report that I did online. I then received a letter XX/XX/XXXX saying that they received my dispute but not my identity theft affidavit. This is impossible. I sent it in twice. I do not believe that Transunion wants to help me and I think they are just trying to stall me out and continue to allow me to be the victim of identity theft. They are intentionally ignoring and stalling my disputes. I am the victim. I have been violated. I feel attacked by both Transunion and the person who stole my identity. I told the rep on the phone and I told them in my letter that this person stole my information, put it online on social media, and keeps using my credit to try to get things in my name without my permission or knowledge. I am fearful everytime my phone rings. I just want Tranunion to support me in fixing the things that this person did to me and they are ignoring me and stalling me out.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One bank purchased as a debt buyer an XXXX account XXXX which was already in default but agreed by XXXX not to be my debt due to Identity Theft. Unfortunately in 2013 Capital One took the position that they acquired this account and started a brand new collection action. I have notified Capital One within 30 days that this was not my debt and requested validation. In addition I requested : 1 -- validation of the debt balance ; 2 -- the date this account first went into default ; 3 -- the date of very last payment received ; 4-the name and address of the original creditor who charged off this account and the date when this creditor purchased this account ; 5 -- the original application and file evidencing my signature that this was my debt.Since I never received full and detailed answers for these 5 questions, I am hereby demanding such detailed validation again.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I emailed capital one CEO XXXX XXXX about the account and I got a call from one of the representatives ( XXXX id # XXXX ) who in the department and they said they dont have the account information in there system. I asked for a letter over the phone and they said I couldnt get a letter and to dispute it with the credit bureau. I tried to but they keep updating it with inaccurate information and I want the account deleted.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. 

15 USC 1681 section 602 A states that i have rights to privacy.

15 USC 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish aaccount without my written construction.
Consumer complaint received 2024-06-26
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. (IN)

I am a victim of identity theft and was notified by XXXX that my account may have been exposed to a data breach. 

Please help me remove this fraudulent account from my credit reports. I reported this to Federal Trade Commission. I will attach in this complaint my FTC report, ID, proof of address, and social security card. 

Please delete this fraud account from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-04-24
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. (IN)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (TX)

Equifax, XXXXXXXX XXXX XXXX XXXX Please note that Equifax has the Ally Account showing 60 day late payment XXXX XXXX Then other 60 day late payments for the following months sequentially : XXXX, XXXX, XXXX, and XXXX. This is clearly not possible and and inaccurate information provided by XXXX. Notice they tried to say I owe XXXX more on the original lease amount of XXXX. After I called out these errors Equifax changed the status to closed, paid as agreed then reported it as XXXX percent paid in full with now only 4 30 day late payments. Clearly this account should be deleted due to the constant errors and deceptive tactics used by XXXXXXXX XXXX, and the FCRA laws that prevent Credit Reporting Companies from reporting late payments for the COVID Emergency time period. 
Ally can not be trusted, please delete the account entirely. I never want anything to do with them again. 

XXXX is reporting that XXXX is saying the original balance is XXXX! and that I owe XXXX when I only paid the XXXX as agreed. The math is even wrong. That means they are telling them I paid XXXX to them. This is very false and inaccurate. XXXX also have XXXX 30 day late payments with one in XXXX and now the 4 sequential one are showing up in XXXX instead of XXXX like XXXX reports to Equifax. I am exhausted with these lies and inconsistencies. Please just delete this account. You all have severely hurt my life with this false reporting. 

XXXX XXXX  is truly engaging in abusive practices and you are complicit in violating my rights by continuing to accept their lies and falsely reporting it as verified. Please delete this account immediately they are incapable of being fair and honest in their reporting. They intend to extort me, please stop enabling them.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-06-17
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: EQUIFAX, INC. (NY)

As of XX/XX/2023 I stated I noticed a fraud account and the credit XXXX XXXX XXXX XXXX claimed they did an investment but how is that possible when I never gace my written instructions ALL COMPANIES AND CREDIT BUREAS INVOLVED ARE IN VIOLATION OF THE LAW!!!!!! 
RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-01-11
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. (SC)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My checking account was closed on XXXX with an official notification via XXXX on XX/XX/XXXX. Since then, I have contacted the bank multiple times, but the fraud department continues to say that they are not able to provide me a timeline nor reasons for the account closures. 

Prior to account closures, there were XXXX deposits into my checking account on XXXX for XXXX money orders in the amount of {$500.00} and {$500.00}. 

I am seeking the return of my funds as Fifth Third refuses to provide more information on the account closure. My most recent attempt to contact the bank occurred on XX/XX/year> around XXXX XXXX.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

False report on equifax. Stopping me from moving in to new apartment. Already put my 30 day notice in. Need cleared now. Have letter proving balance is not mine from XXXX. Mailed to Equifax. Called CFPB filed full complaint already. Gave full details to a wonderful person who helped me. Complaint number is XXXX. Need immediate resolution described in phone conversation with consumer financial assistant. I only came here to upload the document from XXXX that I mailed Equifax. Expecting Equifax to onsite renters and straighten it out. My confirmation number with Equifax is XXXX. I expect a quick resolution, I am moving end of XXXX I already spoke to Equifax and filed a complaint and dispute.