davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I looked at my credit report last month and saw a bankruptcy and several accounts that where associated with bankruptcy. Well i have never filed for bankruptcy. Me and my father have the same name and he has filed for bankruptcy. It might be his, im not sure but i definitely know its not mine.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

I Have Chase Saving & Checking account. I also have a Chase Credit Card. I manage all XXXX  accounts at the same site. 
I Pay my MONTHLY Credit card balance on this site where the Money is deducted from my Chase Checking account immediately. I have just noticed that Chase now representing this Credit card Payment as a LOAN PAYMENT on their website. I have taken no Loan from Chase and the Credit Card payment SHOULD NOT be listed as Loan payment. 


Date Description Type Amount Action XX/XX/XXXX Payment to Chase card ending in XXXX XX/XX/XXXX Loan  payment - {$1100.00}
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I made purchases through my Bank of America account. Claim number is XXXX and XXXX Ive been having the claim open since XX/XX/2023 and XX/XX/XXXX. I order clothes and shoes didnt receive my order. I try to dispute transactions online and was having technical difficulties.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TN)

I did not authorize these inquiries which appear on my credit report. This are unauthorize inquires in my credit report I would like this inquires removed. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consume
Consumer complaint received 2024-04-22
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)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2019-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

I have previously disputed this debt via cfpb. Company responded XX/XX/18 that they would send a request to the original lender for accurate validation information. However midwest recovery have failed to provide such information violating FCRA. I have waited more than 30 days for them to furnish such information while they continuously illegally report the unvalidated information to the credit bureaus. I want said account removed or I will seek legal services. Do not attempt to call, email, or mail me any information. All correspondence will be via this website. If you can not upload documents to this website proving the debt is mine. Please remove from all credit bureaus.
Consumer complaint received 2019-01-03
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. (TN)

I owe XXXX on XXXX XXXX/ XXXX the Exuifax shows 10 different accounts equal to XXXX i disputed but the Exuifax will not fix the issue many times i tried no luck i can provide further info about this, i tried to contact the XXXX they will not help The XXXX , XXXX XXXX   XXXX is closed ACCOUNTS but they refuse to update I WANT THIS UPDATED, AND I GOT A LAWYER INVOLVED AS WELL
Consumer complaint received 2023-08-07
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: 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.

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 2023-12-06
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. (MN)

on XX/XX/23 I disputed a collection account. XXXX did not remove the account while they investigate. According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers right to privacy. XXXX is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' XXXX does not have my consent to furnish this information and they absolutely do not have my written consent. any and all consent XXXX in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' XXXX never informed me that i had a right to exercise my nondisclosure option. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX is not maintaining reasonable procedures. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of this reporting service.
Consumer complaint received 2023-12-22
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. (WI)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-12-22
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 recently pulled my credit reports and noticed a number of inaccurate, invalid, incomplete, and unauthorized accounts listed on my credit report and file. My information was included in the XXXX Data Breach as well as the Transunion and XXXX data breach. I am in the process of getting a mortgage and these unauthorized accounts are ruining my reputation with the banking system. I Need these unauthorized accounts removed immediately. I sent transunion, XXXX, and XXXX a letter disputing these accounts more than 30 days ago and they have been ignoring my letters. I know that per federal law the credit reporting agencies MUST respond within 30 days and it's been more than 30 days since they received my letter and haven't responded. These accounts listed on my credit report MUST be ACCURATE as well and they are not. this is UNFAIR and severely damaging my reputation. REMOVE ALL INACCURATE, INCOMPLETE, AND UNAUTHORIZED ACCOUNTS IMMEDIATELY!!
Consumer complaint received 2023-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I written numerous of letters stating for them to verify this debt as well the amount owned. Because I have or had medical insurance. And I shouldn't be receiving anything regarding my medical information being sold or discussed to outsiders this go against the HIPPA law. And I would like to remove from my credit report
Consumer complaint received 2023-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I have not supplied proof under the doctrine by silence XXXX XXXX XXXXXXXX XXXX  281 sw 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. Lvnv LLC account # XXXX. Balance off $ XXXXplease remove this acvount from my credit.
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

In XXXX of XXXX, I received notice from Nelnet that my loans were paid in full. The statute of limitations in South Carolina is 6-8 years for reporting loans. This loan far exceeds that. In the last complaint file the company responded with I exceeded poverty level in XXXX of XXXX, yet I have letters from them in XXXX of XXXX that state otherwise. Also, account numbers have been changed multiple times. Company can not provide with me a copy of the contract that was signed. Company has received the funds in full, but changed the account number to try and argue that no funds were received.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc. (ME)

On XX/XX/2023, I initiated a deposit of {$3200.00} to my Blockchain.com account with the understanding that the funds would be available to make a crypto purchase immediately. I received email confirmation of the deposit, but was unable to make a purchase or get in touch with a support agent. On XX/XX/XXXX, I requested that blockchain.com cancel the deposit as it was still pending. On XX/XX/XXXX, the deposit was completed ; I tried withdrawing the funds from the account, but the app said withdrawals are temporarily unavailable, so I filed a dispute with my bank. On XX/XX/XXXX, blockchain.com finally responded to my queries stating Regrettably, we do not have any current updates regarding the reactivation of ACH Withdrawals.. I then researched the issue and found out that withdrawals have apparently been unavailable since XXXX of 2023 ( despite there being no issues with deposits ). I have not received any additional updates from blockchain.com since XX/XX/XXXX when they provided links to unhelpful support articles and unacceptable alternative solutions that would ultimately cost me more money and put my funds at risk.
Consumer complaint received 2019-01-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NE)

I have or had been with Wells Fargo since XX/XX/2006. This past year I had a few problems with my account. Everything was golden UNTIL I received a call from Wells Fargo saying that " due to a business decision '' they're terminating my relationship with me. I asked why they're terminating the and the only reply I received was " because the bank wants to. '' After researching online about Wells Fargo I've seen that Wells Fargo often closes consumer accounts for " business decisions. '' I've given literally tens of thousands of dollars to this bank and when you call them you're treated like the bad guy. The kicker of this all is that I didn't ask for any action to be taken. Wells Fargo decided to initiate the actions on the account. I called Wells Fargo last week because the claims department is still investigating past their 90 day limit and the representative said " the disclosure you signed says we can close your account whenever and wherever. '' Unprofessional, dishonest behavior from a major company.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, Transunion, XXXX, and XXXX
Consumer complaint received 2023-12-22
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)

For the past few months I have been disputing inaccuracies on my credit report. Outdated and irrelevant accounts, accounts that have been paid in full but are still reporting a balance ( XXXX XXXX ), incorrect credit age, it should be recalculated because it is much higher, unauthorized credit inquiries and fraudulent late payments being reported. 15 USC 1666 ( b ) Timing of payments specifically states that a creditor may not report payment as late on a XXXX XXXX account under an open ended credit plan unless they have adopted reasonable procedures to ensure that periodic statements have timely been sent to the consumer within 21 days of the billing date. I have continuously asked for proof from the CRAs and creditors alike to provide this information. They can not provide proof that they have sent periodic statements for the accounts that they continue to report derogatory late payments to. It needs to be corrected. XXXX specifically is reporting to accounts twice, negatively affecting my report and ability to obtain credit. The inaccuracies need to be corrected.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I had cashed 2 checks for my co workers that didnt have an ID around XX/XX/XXXX after doing that chase closed my account for fraud and that I needed to bring the 3 party payees with 2 forms of IDs. They werent able to do that right away the process for them to get a passport and an ID from their home country took 8 months. I was able to verify one guy in XXXX of XXXX and they told me I just needed the next guy to come in and they day he did around XX/XX/XXXX they told me they couldnt verify through this same process because they changed policy. So they suggested through their phone number through their system and still it didnt work. They wont release and funds even after the other payees opened a bank account