davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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)

Hello, my name is XXXX XXXX, and I am writing to delete the following inaccurate and incomplete information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have been a victim of identity theft and many accounts were established in my name without my knowledge or consent. The following information you have placed on my file has seriously affected my ability to obtain credit. Please be reminded that it is important for credit agencies to maintain accurate information per The Fair Credit Reporting Act. I have provided you with a Federal Trade Commission Identity Theft Report detailing the incident. I have been working with police and I have hired a private investigator to help stop the use of my name by someone who has stolen my identity. The following information does not belong to me and should be deleted from my credit file immediately.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Fraudulent/Negative Accounts : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$320.00} Account Name : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$7400.00} Account Name : XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX  XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a big lump sum of money into my bank of America account and I don't regularly check my account nor did I receive any notifications from my institution on irregular activity. So when my XXXX XXXX was hacked I was unaware but soon as i found out on XX/XX/2020 I immediately filed a dispute. AFTER waiting over a week for my dispute to finish I was told i waited to late to report the dispute. I also closed my XXXX XXXX and my card the day I found out about the fraud activity.
Consumer complaint received 2023-03-01
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. (NJ)

During late XX/XX/2023, I contacted CFPB about getting my credit report for Experian through XXXX. I received a credit report for XXXX XXXX based in NY. I am XXXX XXXX in NJ. 
This complaint was suggested by an employee of CFPB during a follow up call on XXXX.
Consumer complaint received 2022-11-22
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. (MD)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2022-12-20
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. (FL)

This is in addition to complaint : XXXX. 

This information has been forwarded to Attorney Generals : XXXX XXXX ( Florida ) XXXX XXXX  ( Maryland ) This information has been forwarded to XXXX XXXX, the Director of the CFPB. A lawsuit will follow.
Consumer complaint received 2022-10-17
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. (NC)

I am a victim of ID Theft and I filed a police report and provided to the credit bureaus however they have not provided me with detailed information I have requested which is required by law according to my attorney. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts that I did not open nor authorize and are due to Identity Theft listed below : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (VA)

On XX/XX/2022, I received a call from someone using my credit union phone number. They said there were suspicious activities on my account and needed me to verify whether I made those charges. As we were going through the transactions, I was sent a code to verify so that the charges could be reversed. However, what happened was that they gain access to my bank account and wired out approx. {$20000.00} in XXXX separate transactions. As I was speaking to the credit union later that afternoon, XXXX of the wire transactions failed and part of the money went back into my account. The scammers changed my email and phone number. I have been working with my credit union to reestablish my account but I have not been able to get this done. I have called every day and each time the member service person gives me a different answer and indicated that someone would be calling me.
Consumer complaint received 2022-12-20
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: National Credit Systems,Inc. (GA)

XXXX and XXXX has allowed National Credit Systems report and account to my credit file that they dont own. According to the Fair Credit Reporting Act you have to own this account in order to report to anyones credit file. National Credit Systems does not own this account and there it should be removed from my credit file immediately. Please have National Credit Systems provide proof of ownership and I would like to see proof of ownership as well.
Consumer complaint received 2022-11-30
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)

accordance with the Fair Credit Reporting act XXXX  Account # XXXX for XXXX XXXX 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 my written instructions
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Received notification from my credit report monitoring service that someone had fraudulently applied for a line of credit with XXXX XXXX XXXX. This was not me. I contacted XXXX XXXX XXXX and told them it was fraudulent and I also contacted my credit monitoring service. The name and ssn were correct but the address utilized was completely incorrect and I know no one at that address or even in that state.
Consumer complaint received 2022-12-20
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. (GA)

XXXX and Equifax has allowed XXXX XXXX XXXX report and account to my credit file that they dont own. According to the Fair Credit Reporting Act you have to own this account in order to report to anyones credit file. XXXX XXXX XXXX does not own this account and there it should be removed from my credit file immediately. Please have XXXX XXXX XXXX provide proof of ownership and I would like to see proof of ownership as well.
Consumer complaint received 2022-12-20
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (MN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 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 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 conviction of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s2 ( 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 calls to believe that the information is in accurate.
Consumer complaint received 2024-03-24
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. (CA)

EQUIFAX is illegally reporting private account information on their platform about me that has no permission from being shared. EQUIFAX must comply within 4 days by deleting the mentioned accounts from being reported on their platform or they will be mismanaging my security according the the SECURITIES EXCHANGE COMMISSION ( SEC ). These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY WITHIN 4 DAYS OR EQUIFAX WILL BE REPORTING ILLEGAL INFORMATION. I have attached proof from these 4 companies that I have opted out of the sharing of my non public personal information including name, account number, and transaction history from being furnished to you, a non affiliated third party. PLEASE UPDATE the reporting of these accounts promptly or I will submit a TCR complaint with the SEC.
Consumer complaint received 2024-03-24
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. (MS)

I sent my letter off on XXXX XXXX I told the credit bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. Here is the tracking number XXXX, According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-12-20
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. (MN)

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 15USC 1681 Acct name : XXXX Account # : XXXX Acct name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX  Account # XXXX XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX  Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX : XXXX Account # : XXXX Account name : XXXX XXXX : XXXX Account # XXXX Account name : XXXX XXXX : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 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 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 conviction of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s2 ( 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 calls to believe that the information is in accurate.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo allowed my 401k to be stolen from both my accounts. 
They refuse to provide me with my {$53000.00} $ XXXX The XXXX  XXXX XXXX have investigated the crime and found the perps I still have not gotten this resolved yet!! 
PLEASE help.. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX 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 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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. (PA)

XXXX XXXX XXXX  account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this account.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (MS)

My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.
Consumer complaint received 2023-03-24
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Consumer complaint received 2022-11-17
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. (CA)

In accordance with the fair credit reporting act XXXX account name XXXX XXXX XXXX Account # XXXX Account name XXXXXXXX XXXX account # XXXX Account name XXXX XXXX XXXX account # 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.