davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-13
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. (NY)

Under the Fair Credit Reporting Act, I have the right to challenge any information on my credit report that Ibelieve to be incorrect. It's important to me that my credit report is accurate, and I take this matter seriously. While I dispute the claims of delinquency and derogatory information on my account, I request that you provide me with evidence to support your position. Specifically, I would like to see proof that the inquiries and accounts in question have a permissible purpose. I'm reaching out to you today because I'm concerned that this matter has not been handled properly. However, I believe that we can resolve this issue promptly and without any escalation. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Additionally, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting DELETE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Under the Fair Credit Reporting Act, I have the right to challenge any information on my credit report that Ibelieve to be incorrect. It's important to me that my credit report is accurate, and I take this matter seriously. While I dispute the claims of delinquency and derogatory information on my account, I request that you provide me with evidence to support your position. Specifically, I would like to see proof that the inquiries and accounts in question have a permissible purpose. I'm reaching out to you today because I'm concerned that this matter has not been handled properly. However, I believe that we can resolve this issue promptly and without any escalation. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Additionally, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting DELETE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Consumer complaint received 2023-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Got an e-mail in XX/XX/XXXX about an account being opened for me at Bank of America. I called that day to report and spoke with their fraud department. They said they would investigate and that it would be closed. I kept getting bank statements monthly. No transactions. I called again around XXXX and went through the same process. Claimed the same thing would happen. Now today I got yet another statement that the account is opened. I googled to see if others have had this happen and saw someone referred to CFPB. I then went to the CPFB to file a complaint. They received the complaint. Bank of America responded saying the account was closed on XX/XX/XXXX. Well I received a bank statement again dated XX/XX/XXXX. I am filing another complaint due to the fact they did not do what they said they would do and have in fact done nothing.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There's alot of credit cards that had been opened under my name that I wasn't aware ofXXXXI had identity theft in the past, therefore alot of hard inquiries I don't really know about them because I never gave them permission to run my credit like that XXXXI paid them off include the ones I didn't know who opened them XXXXThe credit bureau never remove them off my credit XXXXNow I can't even rent a place to live in peace Even though I tried my best to pay the collections they still haven't report them pay XXXX I need help please
Consumer complaint received 2020-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP (CT)

My husband put something on line for sale and the guy he spoke to, said he wanted it and to take it down. He sold it for XXXX. A few days later we received a cashier check in the amount of XXXX. I deposited into my account and the next day we sent money to his driver. Who was to be picking up the item along with other items along the way. We sent it XXXX to XXXX and we took pictures of the receipts and sent it to him. I just happened to check my account and it was in negative for XXXX. So I went straight to the bank and spoke to someone and the person gave me a fraud case # XXXX. I did everything they told me to do, because they do their own investigation. I also did a police report case # XXXX. I did a police report in XXXX NC, because that's where the person live and they know the XXXX he picked up the money from. At the bank I was told that if the investigation shows fraudulents to my account I would get my money back in my account. When they finished the investigation, they said it was fraudulents against my account and they will keep my account open Because they have insurance for fraudulent on a customers account, so the bank doesn't loose money. But that was not the case, they took my money and turned around and took my whole XXXX check for XXXX. I spoke with the supervisor and she was very rude. She told me I was responsible for the negative amount in my account. I am victim in all of this. Before all this happened I had XXXX and my XXXX check XXXX I was with out money for 2 months, this has been very stressful for me. This is my second time putting in a complaint.
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 reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$950.00}
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
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. (LA)

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 bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate 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
Consumer complaint received 2023-08-17
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: 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 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )  Account # XXXX has violated my rights. 
1 5 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 1 5 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Letter sent with no response To : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX SS : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To whom it may concern, On XX/XX/XXXX, I called Capitol One Cards as missing and requested an email link to provide Capitol One with documentation listing what charges I recognized or didnt but have not received that email. Ive been waiting a week or so to receive a portal or email notification from Capital One so I can upload documents but Ive received zero communication. So, in a last-ditch effort to resolve the matter this morning, I called your offices five times at XXXX but your automated machine would not let me through. At this point in time, it appears Capital One has blocked my ability to access your customer service phone line to report unknown charges on my cards and theres nowhere to upload supporting documents on your website so I am overnighting the documents to the address listed on your website. 
Potentially Negative Removal Requests : 1. Card No.XXXX XX/XX/XXXX Reviewed 6 Pages 2. Card No.XXXX XX/XX/XXXX Reviewed 4 Pages 3. Card NoXXXX XX/XX/XXXX Reviewed 4 Pages 4. Card No.XXXX XX/XX/XXXX Reviewed 4 Pages 5. Card No.XXXX XX/XX/XXXX Reviewed 6 Pages 6. Card No.XXXX XX/XX/XXXX XXXX 6 Pages 7. Card No.XXXX XX/XX/XXXX Reviewed 4 Pages 8. Card No.XXXX XX/XX/XXXX Reviewed 10 Pages Once again, I am notifying you that my cards ending in XXXX and XXXX have not been in my possession since early XX/XX/XXXX as clearly indicated on the attached documents. Please review the attached documents and advise me in the next steps to remove all unknown charges and one late fee. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 & 12 USC Sections, which require your compliance with the law. 
Let me know if you need any additional information to verify my identity and remove these unknown charges. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is showing an account that is closed, open. It also is showing that in XX/XX/2020 that my account is late 30+ days but in XXXX and XXXX showing that it is current. I am requesting that all Bank of America accounts be removed from my credit report for the reason being that all inaccurate information is being reported and hurting my credit score drastically.
Consumer complaint received 2018-05-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (MD)

I called on XX/XX/XXXX to find out what my payoff balance was for my {$600.00} loan and was told that it was {$810.00} and that was totally surprising to me because I've already paid 5 payments of {$130.00} ; my payments are biweekly. I asked why was my payoff balance that high and was told that only {$48.00} was going to the principal and that {$92.00} was going to interest and fees. Initially I thought I was told that my interest rate was 25 % but was shocked by the fact that it was 625 %. I was then told that I could increase my payment amount and that would lower the amount that was owed. I reached out to XXXX XXXX again regarding the extremely high interest and told them that that was against the law in Maryland. I stated that the most that can be charged per year according to your website is 24 %. The representative ( XXXX ) told me that because XXXX XXXX is a part of an XXXX community that our laws does not apply. I really need to pay this off but without the interest rate being lowered, appears it will take almost a lifetime.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

According to the FCRA, income should not be reported on a consumer credit report. However, I have discovered that both TransUnion and XXXX have erroneously included a canceled debt as income on my credit report. As per the guidelines set forth by the Internal Revenue Service ( IRS ), a canceled debt should be reported as income. I have attached a copy of the 1099B form that clearly states this and serves as proof that the canceled debt is considered income under the IRS guidelines. XXXX AND TRANSUNION are reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have made multiple attempts to have this inaccurate information corrected by contacting both TransUnion and XXXX directly. I requested proper validation and what method they used to validate. However, despite providing them with the necessary documentation and following their dispute procedures, I have not seen any resolution or correction on my credit report. 
I kindly request the assistance of the Consumer Financial Protection Bureau in this matter. I believe that TransUnion and XXXX 's actions are in violation of the FCRA, specifically regarding the reporting of income on a consumer credit report. I would greatly appreciate it if the CFPB could investigate this case and take appropriate action to rectify the situation. 
attached is my photo ID and a copy of the 1099B form that clearly indicates the canceled debt should be considered income and not reported on a consumer credit report. 
I look forward to your prompt attention to this matter and hope for a resolution that aligns with the FCRA guidelines. Thank you in advance for your assistance.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

XXXX, notice suspicious activity on monthly statements, by XXXX I was bouncing check but my balance was over {$1500.00}. Made appointment with Wells Fargo XXXX in XXXX XXXX XXXX and i showed the suspicious activity and they agree, I finally convinced them to do something, they opened a fraud case.
Consumer complaint received 2023-10-13
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: EQUIFAX, INC. (CA)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2023-10-13
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. (CA)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act