davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a continuing complaint from my Complaint No. XXXX. I NEED MY EMAIL ADDRESS UPDATED TO MY NEW EMAIL ADDRESS XXXX ... ... ... ... This was my previous message : I tried to update my email address. But the TransUnion website instructions stated it can be easily change by going to my profile, but it didn't work. It does not allow for change/update. The button is greyed out even though I was able to type in my new email address. Furthermore, I called yesterday and was left on hold for over 45+ minutes with no one answering. Then I tried to use their website instruction on the " Chat '' service by click the button at the lower right-hand corner ... ..well there was no button there. So I resorted using the Messenger Chat hoping that someone can help. The chat stated I was connected to " XXXX ''. I stated my issues and asked if " are you there ''. And after 20+ minutes, there was no response. What does it take to change a simple email address with TransUnion? Sincerely, XXXX XXXX ... ... ... ... ... ... ... .... 
The response back from TransUnion was : We have reviewed your complaint along with the information you previously provided regarding this issue. Due to a system issue, your credit report was previously unavailable online ; however, the issue has been resolved. Please be advised, you are still eligible for a FACT ACT consumer disclosure and you may attempt another online request. In order to protect your privacy, we have mailed a copy of your TransUnion credit report to the current address we have on file for you. You can expect to receive it in approximately 7 business days. If you have any additional questions, please do not hesitate to call our Customer Service call center toll-free at ( XXXX ) XXXX, Monday-Friday, XXXX XXXX XXXX XXXX XXXX XXXX or Saturday-Sunday, XXXX XXXX XXXX XXXX XXXX XXXX. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs. MY RESPONSE NOW : I DON'T WANT A CREDIT REPORT. I WANT MY PROFILE EMAIL ADDRESS CHANGE ......
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (KY)

Subject : Opt-Out Request Pursuant to 15 USC 6802-6805, Fair Credit Reporting Act, and Privacy Act of 1974 I trust this letter finds you well. I am writing to formally request to opt-out of certain uses of my personal information, in accordance with the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974.

Under the Gramm-Leach-Bliley Act, financial institutions are obligated to safeguard nonpublic personal information. I am exercising my rights under this Act to ensure that my information is handled with the utmost privacy and security.

In addition to the GLBA and FCRA, the Privacy Act of 1974 further governs the collection, maintenance, use, and dissemination of personal information by federal agencies. I want to ensure that my rights under this Act are also respected in the context of any information you hold pertaining to me.

Therefore, I formally request to opt-out of any sharing or use of my personal information for purposes beyond those explicitly permitted by law, including any third-party marketing or promotional activities. I also request transparency in how my information is collected, maintained, and shared in accordance with the Privacy Act of 1974.

If there are specific procedures or forms that need to be completed to facilitate this opt-out request, kindly provide them at your earliest convenience. Additionally, I request written confirmation that my opt-out request has been processed in accordance with the law.

Thank you for your prompt attention to this matter. I anticipate your cooperation in ensuring the responsible and legal handling of my personal information in compliance with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and the Privacy Act of 1974.
Consumer complaint received 2023-08-28
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: Experian Information Solutions Inc. (TX)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2024-03-22
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. (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.

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 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

This data aggregator has collected source data from a county government indicating that I had pled guilt to 3 Felony Convictions ; Possession of Controlled Substance in XXXX XXXX County on XX/XX/2014. This is not me. The DOB that this provider used and is using as the data provided to their customers is XX/XX/XXXX - XX/XX/XXXX. It is therefore not specific to me. They also used a subset of my name to not include full middle name or proper suffix. I was turned down for a lease because of this inaccurate and defamatory information. I also believe that has crept into credit reports under a category of Derogatory Personal Information. This then propagates into every credit union and other organizations ( ie, employers ). These people must be more rigorous and be punished for these inaccuracies. There 'website ' offers no way to complain to them and no address to correspond with them. Hole in the wall aggregator of inaccuracies harming thousands of consumers. I want them penalized. I want them to clean up their act or withdrawing from this service business.
Consumer complaint received 2023-07-14
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: SECURITY FINANCE CORP (TX)

In accordance with the Fair Credit Reporting Act, Security Finance account has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

On more than one occasion, I requested XXXX, XXXX, and XXXX research inaccurate information on my credit report regarding inaccurate information reported by Security Finance. I was advised on multiple occasions that the debt with Security Finance was verified as accurate. Security Finance furnished XXXX, XXXX, and XXXX my account information without my written instructions to do so. 

In addition, Security Finance has maintained inaccurate information on my credit report and knowingly misrepresented that inaccurate information as accurate. 

Security Finance reports different dates for the last reported payment date to the credit bureaus. It is impossible for that information to be accurate as the last payment date would have to be one consistent date in order for that date to be accurate. 

In addition, Security Finance reports different late payment information to the credit bureaus. One credit bureau has 30/60/90 day late payment information reported by Security Finance that is different from the 30/60/90 day late payment information reported by Security Finance to a different credit bureau. 

Security Finance has continually furnished my account to the investigating credit bureaus without my written instructions. Security Finance has, and is currently still, knowingly reporting false and inaccurate information on my credit report and misrepresenting that false information as accurate, despite my attempts to have the account removed from my credit reports.
Consumer complaint received 2023-05-08
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. (MO)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These are the fraudulent items :
Consumer complaint received 2024-01-10
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)

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AL)

XXXX XXXX XXXX has called me several times from Unknown Number. They called three times today and I answered the third time ( XX/XX/XXXX ). I asked them, isnt it illegal to call from an unknown number, and he stated that his company does not do anything illegal. They also called me from an Unknown Number twice on Thursday, XX/XX/XXXX, and I did not answer.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

On the afternoon of XX/XX/2023, I tried to transfer money from my checking account with US Bank to another bank using US Bank 's online banking system. After entering the correct information and submitting the request for the transfer, the system displayed an error message and provided an XXXX number ( i.e., XXXX ) for me to call. 

After calling the XXXX number, a representative of the US Bank tried to help me. She asked me to share the screen with her and asked me to submit another transfer request as she looked on. After getting the same error message, the US Bank rep put me on hold to investigate the situation. 

As I was waiting, I realized that I was logged out of my online session and when I tried to log back in, I got the message that my online ID had been disabled. When the US Bank rep returned, I told her about the disabling of my online ID, and she said that the reason for that was that I had tried too many times to transfer money and as a result, my account was now locked. She further told me that I would not have access to my account for XXXX hours. 

I became upset with this situation as I wanted to transfer the money to the other bank that offered higher interest rate. Now I am not able to transfer money for a few days because after waiting XXXX hours for my account to become unlocked then there will be a weekend and I won't be able to transfer money until at least Monday XX/XX/2023 and earn additional interest during those days because US Bank employs rude and incompetent representatives who provide incorrect instructions to their customers and when customers accounts get locked they blame it on the customer and they become confrontational. 

I believe limiting my access to my funds and my ability to transfer MY MONEY out of this incompetent bank for at least a few days is causing hardship for me and my ability to earn additional interest on my money. 

I should have access to my money at any moment and US Bank has taken that ability away by not allowing my to access their online banking to transfer money.
Consumer complaint received 2021-04-23
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. (GA)

I HAVE CONTACTED EACH COMPANY WITH A WRITTEN LETTER TO REMOVE THESE INQUIRIES FROM MY CREDIT FILE THAT I HAVE NOT GIVE CONSENT TO PULL MY CREDIT REPORT XXXX XXXX XXXX XXXX COAF XX/XX/XXXX CREDIT PLUS XX/XX/XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX MERCHANTS XXXX XX/XX/XXXX XXXX AUTO FIN XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX 2020
Consumer complaint received 2018-08-27
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (IL)

To whom it may concern, I have reported a few unauthorized charges on my paypal. In regards to their response they still insisted that there was no suspicious activity and that I was to be responsible for those charges I did not make which I think is very unreasonable. They have not provided me any information with regards to their investigation as to why was my claim denied. Again I will attach all the unauthorized charges I have reported.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (FL)

This originally started in XXXX with card number ending in XXXX. There was a fraudulent charge on my card. As you can see in exhibit 1, I asked Wells Fargo to close the account. In order to get them to review this fraudulent charge, it took letters, many, many phone calls. I repeatedly asked them to close this account only to find out it was not closed. I am asking when the account ending in XXXX was actually closed. Now years later XXXX & XX/XX/XXXX, I get a new fraud alert. The fraud alert that I just received is on 2 different account, one ending XXXX & XXXX. I NEVER opened these accounts, NOR DID I EVER REQUEST a new charge card with Wells Fargo. I want to make sure that Wells Fargo has NO open accounts at all for myself. 
i now have to go through the whole process again of faxes, letters and calls stating I did not use these two cards when I had no idea these accounts were even opened in the first place. How is it possible that Wells Fargo opens charge cards without a customer permission? I would like the call I made to Wells Fargo on XX/XX/XXXX reviewed. In the call, I was advised that there was a note on my account to leave the card open, but send no notices in the mail. Why? If you review all of my phone records you will see that I called many times asking for my card to be closed and NEVER did I request a new card be opened. 
I have several questions- When was the acct ending in XXXX closed? How did 2 more accounts get opened, ending in XXXX & XXXX? What will it take to get Wells Fargo to close all accounts opened in my name and make sure another account is not opened without my permission? I want all the activity on these accounts paid by Wells Fargo since I did not open the accounts. Please help. This is causing extreme XXXX  and XXXX, I do not want the credit I worked so hard to achieve gone over accounts I never opened. Please contact me with any questions at XXXX XXXX
Consumer complaint received 2017-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (AL)

I sent a {$3500.00} wire transfer from my retirement account and it was sent to Wells Fargo, to an account that was closed years ago. The wire was rejected but Wells Fargo decided to keep {$50.00} for the incomplete wire. 

Banks charge fees for insufficient ACH transactions, bounced checks and similar things, but they are charging THEIR client in every case. Many banks also charge THEIR clients for incoming wires. These fees are part of the bank 's " Terms and Conditions '' to which their customers agree when signing up. 

I am perplexed that Wells Fargo can reduce an incoming wire by a non-customer, and I do n't see how that 's legal as there is no wire or account agreement that says they can. The entire amount of {$3500.00} should have been returned. 

I can not think of any situation where anyone or any company, absent a court judgment, is permitted to take money from someone else without their agreement and Wells Fargo should return my {$50.00}.