davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX A XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Sincerely XXXX A XXXX
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

hi, I called the bank to request a new pin for my debit card ending in XXXX but on customer service they coulnd due error on the system trying to send me a passcode to my phone, in the past I never had that issue because they tried to send me a PUSH notification to my phone or a passcode to my email. 
Im not US citizen and resident, I live in XXXX and I dont have any travel plans to the USA to fix this. 

I also requested a XXXX to avoid this issues in the future. 
Please proceed with a new pin to my mailing address on profile and also the secureid requested trough the online baking without delays and bureacracy. 
Thanks
Consumer complaint received 2024-04-22
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: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - 1985 Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address - XXXX XXXX WAY, XXXX XXXX XXXX FL, XXXX EMPLOYER - XXXX XXXX XXXX  - XXXX XXXX XXXX
Consumer complaint received 2024-09-07
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. (MD)

I recently check my credit report and there was erroneous and fraudulent accounts and addresses on my credit report. The avenues of XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I filed a police report and a report with identitytheft.gov
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (MD)

I have had a problem with making a payment to my Suntrust/Truist credit card. I made a payment to pay off my credit card from my US Postal Service Federal Credit Union checking account. At first my credit union accepted my payment dated for XX/XX/2023, but after I hit the submit button, I got a message that Truist could not accept my payment before XX/XX/2023. I checked each day with Truist and my payment wasn't posted. I called Truist several times at XXXX about this issue as my payment was never posted. I paid {$10000.00}. At times I waited on hold for over one hour before speaking to someone. I've talked to several people at Truist and have even used an email address I was given and to the present time the same problem exists. I even called my local branch at XXXX and never got an answer and despite leaving voice mail messages, my calls were never returned. Today, XX/XX/2023, I went into my local branch that is located at the XXXX XXXX in XXXX XXXX, MD. I didn't want to see a teller. I wanted to a clerk that would be sitting in a desk. I waited for 35 minutes until someone finally saw me. Her name was XXXX and she immediately copped an attitude with me. While I was trying to explain to her how I was treated and that I was upset about that, she kept looking at her phone and then the ceiling. When i told her that I didn't like the way that I was being treated and was considering taking my banking elsewhere, she told me that I could do what I wanted to. Now I am very angry. Despite being very agry, I was in no way abusive with any employee. I went into the managers office to explain how I was being treated. She accused me of copping an attitude with her clerk and told me not to come into her office upet. Her name was XXXX XXXX and based on the way she treated me, I don't believe she has the wherewithall to be a branch manager. To put it simply, I don't think that she knows how to treat people and neither does the clerk named XXXX. Perhaps they both should be replaced in their employment. I finally found a very nice lady named XXXX who helped me but neither one of us was able to get a final resolution from Truist. What is also very upsetting to me is that I have used my credit card for several cash advances and interest accrues every day that the credit card has not been paid off. Truist charges me interest daily, but refuses to accept my payment.
Consumer complaint received 2024-09-02
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. (VA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-09-02
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, 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. (NJ)

In XX/XX/2023 Someone tried to open a credit cared in my name under a XXXX XXXX fraudulently. i noticed on my credit report and in XXXX i called all threee credit bureaus.They didnt want to help me and remove the hard inquiry as i kindly requested. I dont even know what this bank XXXX.i immediatly put a credit freeze and alerts on all of my accounts to prevent any further fraudulent attempts to run credit cards in my name.Please remove this hard inquiry from XXXX XXXX in XX/XX/2023 from all three credit reporting agencied due to fraudulent activities.
Consumer complaint received 2024-04-22
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. (AZ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On '' XX/XX/year> I viewed my report, and I noticed some inaccurate information. I sent Mutiple dispute letter to XXXX XX/XX/year> requesting them to investigate these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-07
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. (GA)

1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred-it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay-ment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in-curring an additional finance charge, such addi-tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

THESE ITEMS MUST BE REMOVED IMMEDITALEY un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-09-07
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. (DE)

Can you take a look at this account it does not look correct. The dates when the account was charged off .Also my name and address is incorrect on XXXX and Equifax as well as previous address are incorrect with some company for that I'm not apart of I had previously contacted them too let them know I had a debt consolidation company i was working with and they were apart of it and they automatically charged the account off and sold the account to an investment LLc.
Consumer complaint received 2019-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (TN)

I have a personal loan with Discover. I took it out in XX/XX/XXXX. I have been receiving offers for another loan. This would pay off my existing loan and get $ available. Today I applied via phone. I was told I was turned down due to a Bankruptcy. I filed Bk in XX/XX/XXXX and was discharged. It has dropped off all 3 reports. I just purchased a new home. I called XXXX to inquire. I was told there is no BK on my report. I called Discover back. I was eventually told that there wasn't a BK reporting however the word " Reaffirmation '' was on it from a paid off trade line. I tried to explain that the Actual BK was on my credit when the original loan was made. I asked how can I be turned down for a word and you use the BK as the reason. I got no where and was turned down. I have been in XXXX   for 18+ years. I believe this is a violation of Fair Lending. My score is over 800. The fact that I had the actual BK on my report when the first loan was made and now it is dropped off and I am turned down for BK being the reason isn't right. I don't think it is legal. How can I be turned down for something that isn't there? I would appreciate you looking into this matter and letting me know if this should have happened.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I have found incorrect information on my report, I have contacted the credit bureau about this to please verify the account and validate it because its reporting wrong information. My report should be 100 percent accurate they have failed to provide any info. 
The acct is XXXX XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (TN)

Destiny has reported a couple of recent lates and once again it is not due to nonpayment. I am attaching statements and bank records to show all minimum payments reflected on statements were paid on time. Payments were set to auto for the minimum monthly payment, which has been {$40.00} per statement. I made those payments on XX/XX/XXXX for XXXX statement, XX/XX/XXXX for XXXX and XXXX is not due until XX/XX/XXXX but I was recently reported late for XXXX ( as well as XXXX ). I also have an uncredited retry payment on XX/XX/XXXX for {$40.00} dollars that is also attached here. 

I am also noticing, large late fees, overlimit fees ( due to the late fees ) when I am not late. Also, payments of {$80.00} are routinely ( about 8 times so far ) being attempted to be taken out as well as amounts of XXXX, XXXX and XXXX as well as XXXX. None of these have been authorized by me. The only payments allowed is the minimum due on due date and every month this is XXXX dollars per statement. I consider these others fraudulent attempts. If more is due, then the minimum amount due on the statements should reflect that. 

I expect these derogatory credit reporting 's ( XXXX, and XXXX ) to be removed the XX/XX/XXXXXXXX XXXX  retry to be credited and updated to pay as agrees and a review of the late fees and over limit fees as well. Your website states I am late and I am not. XXXX isn't due yet. I will be reporting this to CFPB and XXXX  as well. 

Thank you for your prompt attention. This is not the first time this has happened and I believe your processes need to be reviewed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX
Consumer complaint received 2024-01-22
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. (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.

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 2023-06-15
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: Experian Information Solutions Inc. (AZ)

Hello my name is XXXX XXXX XXXX XX/XX/96, last 4 of SSN XXXX, I am contacting you today because I took a look at my credit report and I noticed that there is an account on there that was not authorized by me, ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX  ) in the amount of {XXXX}. Account # ending in XXXX. I have never been to this institute before and when i contacted the institute they gave me the run around and told me there wasn't much that they can do. I believe I have become a victim of fraud, can you please help me to get them to share proof that this account is mine.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX Experian, and XXXX
Consumer complaint received 2024-09-07
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 am writing to dispute the unauthorized furnishing of my personal credit information by your CREDIT BUREAU. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the XXXX letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American Consumer according to the stated laws. This is my XXXX notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. THIS ACT IS PUNISHABLE BY LAW BECAUSE THIS CREDIT BUREAR IS ADDING AND ASSISTING IN AGGRAVATED IDENTITY THEFT. 


THESE PEOPLE CREATED FAKE DOCUMENTS TO OPEN AND OBTAIN CREDIT CARDS, LOANS AND LEASES IN MY NAME. THESE INDIVIDUALS OBTAINED MY INFORMATION FROM MY ENTIRE WALLET BEING STOLEN, EVER SINCE THEN THESE CRIMINALS HAVE BEEN USING MY IDENTITY INFOROMATION TO OPEN UP CREDIT CARD ACCOUNTS AND CAR LOAN ACCOUNTS.