davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I was sued by XXXX XXXX XXXX XXXX XXXX XXXX for a debt with XXXX for the amount of {$1800.00}. I requested information to validate this debt and I was only provided with copies of some statements without purchases amounting to the amount claimed. I was the sued for in the small claims court and I got a Default Judgement against me on XXXX. In XXXX the case was dismissed. I have tried three times to tell the credit bureaus to verify this and this collection is still under my report. I need this deleted as soon as possible. This is affecting my livelihood and credit score and nothing has been done.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I am writing to inform you of your violation of the Fair Debt Collection Practices Act ( 15 USC 1692 ) and to demand the immediate cessation of all communication, collection activities, and reporting to credit reporting agencies concerning the alleged debt. 

Under 15 USC 1692, you are required to adhere to specific rules and regulations when attempting to collect a debt. It has come to my attention that you have failed to comply with these regulations by engaging in [ describe the specific violations, such as harassment, misrepresentation, or unfair practices ].
Consumer complaint received 2023-09-25
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. (PA)

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 : 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 2023-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OK)

I was a victim of identity theft. There are XXXX accounts in collection on my consumer report. I have never done any business with. Nor have I signed any agreement to contract. I have no clue who they are or how they obtained my personal identifiable account information without my permission. If this is a third party collection agency I never consented to sharing or use of my information. I have filed an identity theft report and can provide a copy of my copyright notice they are in violation of.
Consumer complaint received 2024-04-18
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)

I've noticed some unfamiliar items on my credit report, suggesting that someone may have stolen my identity as I didn't authorize these accounts. I've previously raised this concern, and I'm now urgently requesting the removal of these accounts from my report. Their presence is causing me considerable stress. They do not accurately reflect my true credit history or financial management, and addressing this issue has been challenging. If we can not resolve this matter, I am prepared to take legal action to protect my rights and seek a resolution. These inaccuracies on my credit report pose a significant obstacle for me, hindering my ability to achieve important financial goals such as purchasing a home and providing for my family. I sincerely hope we can resolve this issue promptly.
Consumer complaint received 2023-10-31
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. (NJ)

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 U.S.C 1681. 
Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name.. Capital XXXX bank.. XXXXXXXX XXXX Account Name XXXX XXXXXXXX XXXX  ... Account Name... XXXX XXXX XXXX... 
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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited through Chase Bank mobile app 3 checks on XX/XX/. Each check was {$500.00} for a total of {$1500.00}. I waited for about a week and the funds were already taken out from the check writer 's bank account. Chase cleared the deposit and my balance was {$1500.00} plus a direct deposit from my employer for {$140.00}. On XX/XX/, I got a text notification from Chase that my balance was {$0.00}. I called Chase and was told that they closed my account and yet I was not even notified. They told me they will keep my account open as long as they could call the check writers who are my parents. They talked to my dad and told me the checks will be released from hold in 5-7 business days. I've kept waiting and yet still no funds. I called them again and they told me the numbers I provided were not registered, they never told me that the first time. The third time I called, they told me I need to have my parents contact their bank to make a claim with Chase to get that money back. The FOURTH time I called, they told me my parents need to call their cell phone providers to make sure the numbers are registered. They called XXXX XXXX and those numbers were registered in their name. I went to the branch yesterday on XX/XX/XXXX  to have the banker help me, the person on the phone kept on saying that their system can not verify my parents number. I am at the dead end, Im a XXXX  and I need those funds to help with tuition and expenses. XXXX  said the phone numbers are registered but Chase said they're not. It has been almost 3 months.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

In XXXX our account with Wells Fargo was hacked and the address changed. Pursuant to bank notification of change we corrected address change and subsequently changed our usernames, passwords and went to 2 Step verification. Then in XXXX ( XXXX or XXXX ) received another notification of husband 's email change. While on the phone correcting email husband was notified of wire transfer pending which he informed bank " Don't do it, it's Fraud! '' Bank sent anyway. We then had to travel from XXXX, XXXX to XXXX, NY to prove who we are and get access to our account. Bank issued a Recall. Per bank " Beneficiary bank responded that there are no funds available to return. '' Then per Wells Fargo " As a result, we are unable to reimburse you and have closed your claim ''.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (WI)

Account status had not been updated since XXXX of XXXX Account was paid off in XX/XX/2023. As of XX/XX/2023 account is still not updated as paid in full on credit reports for all three reports. Company is refusing to ensure update takes place.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

My card was lost/stolen and unauthorized charges we applied to my balance. I have tried to contact bank multiple times but I keep getting disrespected. I am a XXXX and need my medicine to stay alive and the bank is forcing me to wait long periods of time when I can't go long without my medication. Please help me please! They don't care about me and I feel failed by the banking system. If i don't take my medicine in the next 3 days it can be very detrimental to my health. I Deserve to to be treated fairly please treat me fairly
Consumer complaint received 2024-04-18
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2023-08-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX D/O/B : XX/XX/XXXX XXXX : TRANSUNION XXXX : XXXX AND XXXX IN XXXX PA XXXX RE : XXXX XXXX MAKE JUSTIFIABLE CORRECTIONS OR REMOVALS OF UNVERIFIABLE OR INVALID ALLEGATIONS OF ACCOUNT INFORMATION SO TO MEET FEDERAL REPORTING STANDARDS OR COMPLETENESS OF THE CURRENT REPORTING STATUS.TIMELINESS, TRUTH, ACCURACY, AND COMPLIANCE ELSEWISE OF EVERY SINGLE ONE EACH OR ALL THE ASPECTS OF THE ALLEGED ACCOUNT INFORMATION DOCUMENTARY TO BE PROVEN MINE SO TO FURTHER ENHANCE YOUR ADEQUATE AND MANDATED COMPLIANCE TO PROPER AND FAIR REPORTING. 

NO ENTITY MAY INCLUDE IN A CONSUMER REPORT ANY ADVERSE INFORMATION DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO XXXX SO PROVE NOW OR DELETE CLAIMS. 
UNDER : FCRA. 15 U.S.C. 1681i every single one even each any and all of the unproven, not complaint, incomplete, untrue, incorrect or unverified aspects of any alleged derogatory accounts must be promptly annulled in its entirety or even the whole of the claimed account are to be deleted. TO BE FULLY XXXX XXXX COMPLIANT FROM MY CREDIT REPORT UNDER : FCRA 15 U.S.C.1681B I HAVE NO GIVEN VERBAL OR WRITTEN PERMISSION TO TRANSUNION TO FURNISH THIS INFORMATION HAVING VIOLATED THIS CODE OF THE LAW.ALSO ONLY APPEARS ON THE CREDIT FILE OF TRANSUNION XXXX XXXX AND XXXX DOESNT APPEAR AT ALL IN VIOLATION OF THE FCRA LAWS. 

COLLECTION CHARGEOFF BALANCE : {$240.00} ACCOUNT : XXXX DATE XXXX XXXX XXXX XXXX XXXX XXXXPROF OF RESIDENCE CC.SOCIAL SECURITY
Consumer complaint received 2024-04-18
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. (TX)

XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2024-04-18
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. (TX)

the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I disputed with the company listed above that this account is fraudulent inquirie. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2024-04-17
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)

I RECENTHY REVIEWED A COPY OF MI CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2023-12-21
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (MD)

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. 
Creditor name : XXXX XXXX XXXX ; Account name : XXXX XXXX ; and Account name : XXXX XXXX XXXX all have violated my rights. 

15 U.S.C. 1681 A. States I have a right to privacy.

15 U.S.C. 1681 A Section 2 : It also states a consumer reporting agency can not furnish any accounts without my written instruction.

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 and any other adverse item of information, other than records of conviction of crimes which antedates the report by more then 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 2023-12-06
Product: Credit card — Store credit 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: JPMORGAN CHASE & CO. (AZ)

On XXXX I purchased a bed sheet set from Amazon and it was not delivered. I am being charged for the drivers refusal to deliver to my home address. I also pay a yearly amount to Amazon XXXX and want monies I paid for that program and want payment returned along with the charges for the sheet set.
Consumer complaint received 2023-12-21
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. (AL)

I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
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 2024-04-18
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. (CA)

I am writing to follow up on my previous requests regarding the deletion of fraudulent items from my credit report. Despite multiple attempts to address this issue, the fraudulent entries persist, and I am growing increasingly concerned about the impact they may have on my financial standing. 

As outlined in my previous correspondences, I have provided extensive evidence to support the fraudulent nature of these items. However, it appears that the necessary actions to remove them from my credit report have not yet been taken. 

I understand the complexity involved in investigating and resolving such matters, but it is crucial that these fraudulent items are promptly removed to ensure the accuracy of my credit report. The presence of inaccurate information could have serious repercussions on my ability to access credit and financial opportunities. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
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: Bridgecrest Acceptance Corporation (OK)

I have never applied for a credit loan or car loan with this company yet they have my credit report and have been using it. And told me when I called to clear it up to " call the police '' and they would do nothing to help
Consumer complaint received 2023-07-07
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. (IL)

I noticed a couple months ago that XXXX was reporting I owed student loans in the sum of XXXX I never took out student loans I always was on a XXXX XXXX  I contacted Equifax to tell them that the loans were not mine they responded that XXXX  verified the loans were mine. I contacted XXXX  they stated that loans were in the name of XXXX XXXX and he signed the promissory note with being said XXXX stated that they didn't have proof of me owing this debt because they were a third party. With that being said it a clear violation of the fair credit reporting act if XXXX  can't provide me with a contract agreement between all parties involved and signed. A police report was filed as well the number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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
Consumer complaint received 2023-08-31
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. (TX)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.