davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all XXXX data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-10-13
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK (CA)

We enrolled with Freedom Debt Relief to clean up our credit cards and loans. We were paying XXXX every 2 weeks and then we lost 2 of our incomes. Before we lost the 2 incomes, I had agreed to a settlement on one of the accounts. They paid only XXXX to them. There was a XXXX balance. After losing the two incomes, we had to drop out of the program. I went back and looked for that money and it went to them, the company. I have a ledger showing this and also a fee of XXXX each month when account was active. I was told to call if I wanted additional information. This morning I spoke to a rude woman there who told me they took the money as their fee although nothing was settled at all. She said I owed them XXXX but they took the XXXX and that was the way it was. I feel that the money we invested into this program should come back to us as not one bill was settled. They were taking out their fee every month and that XXXX. Was there to pay bills that never got paid. I'm sorry we couldn't go through with it, but we were XXXX  Less income. I just want to know if what they did was legal? And is there any way to get that money back?
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going through my credit reports ( XXXX, XXXX, and XXXX ) and I'm just wanting to request that the late payments be updated as on time payments. To be perfectly transparent, I recently got a divorce and my ex-husband was in charge of the accounts. I noticed afterwards that he missed some payments during the divorce preceding 's. I'm just trying to start this new part of my life over and these late payments are hindering my ability to move on. If you look through my credit report, I have been making my payments on time regularly up until recently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Also, there are some addresses that I've never lived at that I seen on my credit report and I request them to be deleted also please. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.
Consumer complaint received 2023-06-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In XXXX, I requested inaccurate information removed from my credit reports from all three credit bureausXXXX XXXX responded in 4 days, XXXX in 6 days and Experian in 12 days to my amazement. 
I then sent a second letter in mid XXXX requesting all three agencies to reinvestigate my dispute and to send me detail account of how the investigation was conducted and how the account and account information was validated. My concern was again dismissed as the account is still reporting on my credit reports.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that XXXX of the listed accounts seem to be inaccurate, and this is worrying me.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MS)

XX/XX/2023 XXXXXXXX XXXX  ran my credit with ; XXXX XXXX, XXXX and Experian XXXX XXXX, XXXX and Experian then sold my information to mortgage lenders. Today, XX/XX/2023, I have already received 27 calls in 2 hours from individual mortgage lenders. I have asked them to stop calling and have blocked them. After contacting XXXXXXXX XXXX i was told that in all probability these groups probably sold off my personal information, which is interesting because these are supposed to be the safe organizations.
Consumer complaint received 2023-10-13
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: EQUIFAX, INC. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-10-13
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. (GA)

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 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a 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 2023-10-13
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. (PA)

THESE ACCOUNTS IS NOT MINE AND THESE ACCOUNTS HAVE A INFORMATION INCORRECT XXXX XXXX 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 I DONT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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. (PA)

THESE ACCOUNTS IS NOT MINE AND THESE ACCOUNTS HAVE A INFORMATION INCORRECT XXXX XXXX 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 I DONT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (OR)

I have a checking account and a savings account with Chase.

I learned today that Chase has been deducting a $ XXXX service fee from my savings account since XXXXXXXX XXXX XXXX, despite my having both types of accounts. ( see XXXX XXXX XXXX XXXX I spoke to Chase 's customer service representatives who acknowledged that the accounts should have been linked and reversed one of the fees, but not the other XXXX. I asked to speak to a supervisor who told me that they could only reverse one fee of this type per calendar year. I asked them if there was anyone at Chase who would be able to review this and was told that they did not have a supervisor available and that even a supervisor would be unable to reverse the other improper fees.
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC ()

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX CAD from my Gemini account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2023-04-19
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

INCORRECT MARKED LATE PAYMENT AGAINST ME WHILE IHAVE BEEN UNDER A LOT OF STRESS, I THINK THEY ARE WRONG XXXX A PAYMENT IS NOT MARKED LATE UNTIL 30 DAYS, I HAVE NOTHING LATE ON MY CREDIT FILE APART FROM XXXX XXXX WHICH I OVERPAYED AND PAID EARLY IN XXXXTHIS IS CAUSING A GREAT DEAL OF ADDED STRESS AND XXXX ARE NOT ACCEPTING A MISTAKE. 
SUPPLIED MY PRESCRIPTION AND COUNSELLING FOR XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05
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. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-11-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX Capital One last 4 digits XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX  purpose. XXXX
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Dear Consumer Finance Protection Bureau, On XXXX XXXX, my wallet, cell phone, and drivers license were stolen and the thief madeseveral fraudulentpurchases using both my debit card and credit card from Wells Fargo. While Wells Fargo was willing to immediately cancel the charges on my credit card, they have yet to correct the fraudulentpurchase on my debit card for $ XXXX.After one round of investigation they have claimed that this instance was not fraudulent and are unwilling to provide answers or further research despite numerous requests. I have provided a police report, receipts for a new drivers license and cell phone, phone tracking information, a call log, and a detailed minute-by-minute report of the event, but am still being turned down. 

Attached please find a detailed report that includes a timeline of the events, including phone calls, purchases, website activities, screenshots, police report, and unsuccessful conversations with Wells Fargo. As you can see, I have contacted Wells Fargo at least fifteen times and every time they tell me that my case needs to go to another department and they will get back to me in ten days. In two months of constant phone calls and questioning, they have only called me back with new information twice.
Consumer complaint received 2024-04-05
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (TX)

I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

As of XXXX XXXX l notice of a new closed account from XXXX XXXX XXXX XXXX XXXX 
l notice that the account that l was trying to dispute was already closed. 
And a new update was made in XXXX XXXX the account was previously closed in XXXX XXXX So, my credit points started coming down more points than l has build in a year. 
All the other companies ' points are above XXXX and XXXX but XXXX is below XXXX. 
l tries talking to the agency and they are repeating updating my account who reflex my points to fall below XXXX. 
i have a copy of report mail out in XX/XX/2023 with proofs my statement.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (CA)

This is to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2020. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable prooXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-25
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. (GA)

This is my 7th endeavor 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 alleged fraud or extortion. 



XXXXXXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX