davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

For the last 6 months I have been disputing the information on my profile that do not belong to me. 

XXXX XXXX Account Number : XXXX Amount Owed : {$960.00} XXXX Account Number : XXXX Amount Owed : {$480.00} XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$440.00} XXXX XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$1100.00} XXXXXXXX XXXX Account Number : XXXX Amount Owed : {$0.00} XXXX XXXX  Account Number XXXX XXXX Amount Owed : {$0.00} XXXX XXXXXXXX XXXX Account Number : XXXX Amount Owed : {$12000.00} XXXX & XXXX Reference Number : XXXX Amount Owed : {$610.00} XXXX XXXX XXXXXXXX Reference Number : XXXX Amount Owed : {$320.00} XXXX XXXX XXXX Reference Number : XXXX Amount Owed : {$960.00} XXXX XXXX XXXXXXXX Reference Number : XXXX Amount Owed : {$480.00}
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Nothing happened for about two weeks and I finally got someone on the phone and explained my reasoning for calling and he for sure me that he was making changes as we speak on the phone right now. And a year later I still see the same thing still on my credit report.
Consumer complaint received 2023-12-28
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. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiry listed. The unauthorized inquiry is listed below. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-06-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Auto Credit of Virginia Inc. (VA)

Through the form of an application submitted for collateral in XXXX for a XXXX XXXX XXXX at XXXX XXXX located in XXXX XXXX Virginia on XXXX XXXX is where I endorsed my signature to tender the obligation. Was informed the vehicle was in excellent condition I was persuaded by the representative! Come to the realization that in XXXX XXXX according to XXXX displayed publicly on XXXX XXXX  website there has been a total of XXXX recalls including the XXXX XXXX manufactured XXXX XXXX for the expense of repair for the defaults deemed necessary. A settlement agreement was reached where XXXX issued special coverage adjustments in XX/XX/XXXX for the XXXX XXXX. Under this agreement, XXXX extended engine warranty coverage for a period of seven years and six months, or XXXX ( whichever comes first ), from the date the XXXX XXXX was placed in service should the excessive oil consumption condition emerge. It is said that owners who file a claim with XXXX for the excessive oil consumption issues shall receive free-piston assembly replacement on their XXXX XXXX with the XXXX engine or reimbursement for prior out-of-pocket repair or rental vehicle costs which would have been covered by this special coverage adjustment but I was denied service repeatedly on multiple occasions for service by this organization! I seek compensation for the damages and repairs endured over the time of accrued interests not being applied to my principles balance on behalf of the principles account for the advancements of the UNITED STATES!!!
Consumer complaint received 2024-04-22
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)

While checking my most recent credit report, l noticed unauthorized and fraudulent credit inquiries made by the following companies : 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 XXXXXXXX I did not authorize anyone employed from this companies to make inquiries and view my credit report. In addition, l did not give you ( credit reporting agency ) permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity but it's a serious breach of my privacy right.

Please validate this information with these companies and provide me with the copies of any document associated with these accounts bearing my signature, authorized an inquiries.

In the absence of any such documentation bearing my signature, l formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under social security number.
Consumer complaint received 2023-09-03
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. (NY)

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 has violated my rights. 

15 U.S.C 1681 section 602 A. i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containingany of the following items of information any other adverse item of information, other than records of convictionsof crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer agency if the person known or has reasonable cause tobeliveve that the information is inaccurate.
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Dave Operating, LLC (FL)

I apparently entered some information with this company. I saw they had no service of interest to me. I closed the web page with the company called Dave, Inc. 
They started billing me {$1.00} often on a XXXX XXXX checking account. Absolutely fraud and an abusive  business practice. I am an attorney, so I think I know fraud when I see it. Of course, this is only my opinion, as all of this happened about 2-3 months ago and so my visual recollection-might be missing something, but I doubt it.
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (NJ)

Dear XXXX XXXX  This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/XXXX and XX/XX/year>, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Consumer complaint received 2023-12-28
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. (TX)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-28
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. (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 : # 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.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

On XX/XX/23 I wrote Equifax about accounts that were inaccurately reporting with a balance on my credit report. These accounts were included in a bankruptcy which was completed on my end, and therefore the balance should be XXXX. I am including my letter to them for reference. I never heard back from Equifax and my account was never updated to reflect the correct balances either. The accounts that should be reporting with a {$0.00} balance are as follows : XXXX XXXX - XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

I was scammed and Wells Fargo refused to help. I was scammed by a man of {$480.00}. I was given a check then he requested the money back via XXXX and I sent it like he asked, but before I had sent the money I talked to multiple Wells Fargo employees to make sure everything was fine. I was even on a recorded line when she said as long as the check processed that it was fine to send it through, which it did. This was all said on a recorded line. Then, I am looking at my account a few days later and I am in the negatives. Wells Fargo pulled the {$480.00} out of my account because they guy who sent me the check stopped the payment on the check. After talking to a bunch of other Wells Fargo employees I was told to file my claim and then file two case reports one for sending the money and another for the {$480.00} pulled from my account, which i did as they said and was again told by multiple bankers that everything would be okay and that I would get my money back. Lone behold my claim was closed and they said there was nothing they could do about it. It was a ridiculously long process for everything that the bankers told me to have just been lies. I was given plenty of attitude as well on the all the recorded lines. I am also a college student so they have royally screwed me over when it comes to payments on my college funds.
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 2023-12-28
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and deleted : XXXX XXXX
Consumer complaint received 2023-04-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

They refuse to complete my investigation this is the 2nd time in 30 days that they have sent me this stall letter. ask for Identification and current address. My first letter was sent XXXX
Consumer complaint received 2023-01-31
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. (CA)

This is my fifth request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXXXXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Balance {$9800.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Months ago, I sent a letter to the three credit bureaus asking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX 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 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

Hello and thank you for helping, I wanted to please connect because an agent made a mistake during the dispute process and now those charges are back I lost my card and it was charged twice at XXXX for {$900.00}. 

Discover did not alert me of this charge nor did it trigger their fraud alerts when these XXXX ( XXXX ) transactions were not only large but doubled. 

I contacted Discover and reported those charges fraudulent. 

The agent ended up highlighting every single transaction on my account history, saying that it was fraudulent. 

This resulted in everything, being a reverse the back of me, now being a responsible for more than what I owe. 

I told the agent the transactions from XXXX were fraudulent yet Im still being charged for them.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This below accounts are being reported inaccurately as a charge-off, which in fact the accounts were paid in full. The companies are violating 15 USC 1681e ( b ) if there was in fact a charged off debt as well as 15 USC 1681s2. I demand that this account be deleted from my credit report immediately to avoid any civil penalties as I am prepared to exercise my legal rights under the FCRA. I have forwarded letters to the creditor and all three credit bureaus, and they have failed to adhere to the requests or respond. 

XXXX. XXXXXXXX XXXX  XXXX, account # XXXX ; XXXX XXXX XXXXXXXX account # XXXX, and XXXX. XXXX XXXX account # XXXX.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

This credit card was not opened by me and was never used by me. I contacted the card company letting them know it was not mine and I did not have an account to log in and see charges. I did not ever have possession of a card. This was a fraudulent account and I called multiple times to have it removed.
Consumer complaint received 2023-09-26
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. (FL)

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  - {$19000.00} XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-03
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX I was just looking over my credit report and founf some adress in accounts that appear to be incorrect and not associated with me. I ENCLOSED DOCUMENTATION PROVIDING PROOF OF MY CURRENT ADDRESS, AS INSTRUCTED TO DO ON YOUR WEBSITE. TO MAKE YOUR PROCESS OF DELETION EASIER HERE IS A LIST OF OF INCORRECT ADDRESSES XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX I WOULD LIKE REMOVED ALL XXXX XXXX XXXX  ACCT NUMBER XXXX IS NOT ASSOCIATED WITH ME XXXX UNDER 15 U.S. CODE 1681E ( B ) (, B ) ACCURACY XXXX REPORT IT SHALL FOLLOW REASONABLE PROCCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUSL ABOUT WHOM THE REPORT RELATES. 
I KNOW THAT UNDER 15 US CODE 1681 I ( 5 ) TREAMENT OF INACCURATE OR UNVERIFIABLE INFIRMATION ( A ) IN GENERAL