davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
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. (NJ)

XXXXXXXX XXXX XXXX fraudulent activity with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Nj XXXX ( XXXX ) XXXX. I didnt authorize XXXX XXXX salesperson to use my stolen NJ drivers license XXXX and my stolen SSA number XXXX in any contract inside the dealership. XXXX XXXX XXXX had stolen my drivers license in XX/XX/XXXX. I didnt have any physical drivers license in my possession to obtain any car or a job in XXXX. How can I get a car without a driver license? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX is whom I went in person to report XXXX XXXX XXXX to in XXXX. Also FBI XXXX XXXX XXXX, XXXX XXXX XXXX, Pa XXXX was made aware in person in XXXX. They are outside and has this XXXX XXXX wiretapped since XXXX this second XX/XX/XXXX at XXXX XXXX. ( XXXX ) XXXX contact them about XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX or XXXX XXXX police dept XXXX XXXX XXXX or XXXX XXXX, XXXX has this case contact XXXX XXXX XXXX, XXXX XXXX, Nj XXXX ( XXXX ) XXXX. I was told she has my drivers license in her possession since XXXX XXXX XX/XX/XXXX, per the FBI office XXXX  bureau.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to express my extreme frustration and distress regarding the ongoing presence of fraudulent accounts on my credit report. Despite having escalated this matter to the appropriate authorities, the situation persists, tarnishing my creditworthiness. 
I have diligently followed the necessary steps to address this issue, including filing a police report and working with the relevant authorities. Unfortunately, the impact on my credit report remains, causing significant distress and adversely affecting my financial opportunities. 
XXXX XXXX XXXX XXXXXXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I kindly request an urgent and thorough reinvestigation into the fraudulent accounts listed above. 
I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers the right to dispute inaccurate and fraudulent information on their credit reports, and I am exercising this right. Given the gravity of the situation and the steps I've already taken, I request that you prioritize and expedite the resolution of this matter.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute the presence of fraudulent accounts on my credit report, which are negatively impacting my credit score. I have identified these accounts as the result of identity theft, and I am seeking your assistance in rectifying this matter. 
XXXX XXXX XXXXXXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXXXXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I am pleased to note that XXXX has already taken action by deleting the fraudulent account from my credit report. 
I kindly request that you conduct a thorough investigation into the fraudulent accounts listed above and promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers the right to dispute inaccurate and fraudulent information on their credit reports, and I am exercising this right.

I am frustrated that, as a victim of identity theft, I am facing the consequences of someone else 's actions. I request that you expedite the resolution of this matter, as it is affecting my ability to access credit and achieve a better credit score.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (IN)

I sent a letter to all 3 credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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. 

The letters are stated with items and issues. 

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 2021-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MN)

I received a letter from Wells Fargo Bank on XX/XX/XXXX stating Wells Fargo Bank closed my checking account due to a previous account I had with Wells Fargo Bank and excessive claims for fraudulent activity on the checking account. The Wells Fargo Bank checking account ending in XXXX was discharged under XXXX XXXX XXXX in the United States District Court District of Minnesota XXXX Court on XX/XX/XXXX. Wells Fargo Bank wrote in the letter that sent to me, that the checking account was not discharged in XXXX court, even though the checking account was included in my XXXX XXXX XXXX petition and was discharged under XXXX XXXX XXXX. I am sending a copy of my XXXX discharged notice to Wells Fargo Bank Corporate Office for proof that the checking account was discharged in XXXX  court. Wells Fargo Bank clearly is discriminating against me based on my race, me being XXXX American, and denying me an opportunity to obtain credit and open up a checking account with the bank which is a complete violation of the 1974 Equal Credit Opportunity Act ( ECOA )
Consumer complaint received 2023-04-25
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. (AL)

On XX/XX/2023, I mailed a letter certified asking the credit bureau to delete all inaccurate personal information reporting on my report. I called each of them and was advised that they would update information and inaccurate information would be removed. I received a copy of my credit report, and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. However, the inaccurate information is still reporting. I have sent out yet another letter with verifying information to XXXX, Transunion, and XXXX to be updated immediately. Tracking number of letter XXXX, XXXX, XXXX. There should not be any aliases, unknown names, inaccurate addresses, nor inaccurate employment. In accordance with the Fair Credit Reporting act. 

The List of inaccurate names addresses, and employment attached in attachment 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 The credit Bureaus are still ignoring my request.
Consumer complaint received 2024-04-14
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)

My information was compromised at XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. XXXX XXXX XXXX XXXX has been my only address for the past 10 years.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions that I have made or authorized.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities of the alleged identity theft, including submitting a report to the Federal Trade Commission and the [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC. 

Since these accounts are not the result of any transactions or credit applications I have made, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to have them removed from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX I humbly request that you acknowledge your commitment to looking into these accounts and send me a thorough written response as soon as you can. Please remember to include the following in your response Verification that you've started looking into these accounts copies of all supporting documentation and material pertaining to these accounts, including the application a signed declaration attesting to the fact that these accounts will be deleted from my credit record after your investigation is finished.

I recognize that this is a significant issue, and I implore you to take immediate action to make things right. I may have to take additional legal action to defend my rights and creditworthiness if I don't participate in getting this situation resolved.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am extremely disappointed to inform you that the information on my credit report is incorrect and lacks sufficient evidence to verify its accuracy. The discrepancies identified could significantly impact my financial future, and I am writing to formally dispute and request the immediate removal of the inaccurate items from my credit report. Upon reviewing my credit report, I have found discrepancies related to the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX. I have previously requested verification of these items. However, the information provided has been insufficient and inconclusive. I have lost all patience with the credit bureau 's lack of responsibility and accountability in reporting accurate information under the Fair Credit Reporting Act ( FCRA ). I demand that you conduct a thorough and immediate review of these disputed items and, in the absence of adequate verification, proceed to delete them from my credit report. Failure to comply with my request will result in legal action against the credit bureau and any other party involved in reporting inaccurate information on my credit report.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) dates include in attachment.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-14
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 writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (CA)

I have been victim of identity theft and I keep trying to fix it, I already contacted everyone regarding this matter, yet no one is helping me. Someone has opened a loan under my name without me knowing. I already contacted you as well for this problem but yet there is no action. Please help me to fix my credit and remove the fraudulent account from my report. It is XXXX XXXX XXXX XXXX XXXX loan, Date opened XX/XX/2022.
Consumer complaint received 2023-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

I filed for bankruptcy. I called the company on my date and gave the information of my attorney and case number. That was Wednesday XX/XX/23. They took the information. My loan was due on XX/XX/23. My loan amount due was XXXX. On XX/XX/23 I checked my banking account and they did a withdrawal for XXXX. I called again and ask why the charges they said they did not. I gave my attorney and case information again and they stated that they they already had the information. They took more than what they were supposed to. I would like my money back and they go through my attorney.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (DE)

I have a Paypal credit account that offer promotional deferred interests. Cardholders have the latitude to pay on or before the account in full before the due date or until the promotion expires. I made a payment of {$2000.00} noticing that I have a few promotions which will expire. I contacted Paypal and I was given misleading information, stating that I need to call them manually. This is not right that if I made a payment which goes to the balance and satisfies most of the promotions, why is not applied to those purchases? 
I find this to be misleading and a practice of scamming individuals who pay their bills on time. I need Paypal Credit to do the right thing and apply my payments to satisfy these promotions so I am not held responsible for these interests and calling should not be the way to do so if a customer decides to make the payments via balance transfer or otherwise.
Consumer complaint received 2023-11-27
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. (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. 

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 2024-04-14
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. (NV)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; has violated my rights. 15U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1681 c. ( 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 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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

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, 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 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/2023 : I contacted all three agencies XXXX, TransUnion and XXXX. via their web pages. Customer support is worthless and does not work. None of the 3 credit reporting agencies web sights work. Also, there is either no phone numbers on their web sight or the phone numbers do not work. I have tried to unfreeze my credit but nothing works. I can not get a live human and the forms they have on their web sight do nothing. They just stop working about half way through. Phone numbers are worthless since they don't work.