davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

After reviewing my credit report I noticed a fraudulent account on my credit report per following XXXX Credit Report As of : XXXX XXXX XXXX XXXX Credit card XX/XX/XXXX Closed Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX 47 % {$470.00} Equifax Credit Report As of : XXXX XXXX XXXX XXXX Revolving XX/XX/XXXX Closed Charge-off XX/XX/XXXX 47 % {$470.00} XX/XX/XXXX, XXXX Credit Report As of : XXXX XXXX XXXX Revolving account XX/XX/XXXX Closed Charged off as bad debt XX/XX/XXXX 47 % {$470.00}
Consumer complaint received 2024-04-02
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. (CA)

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 utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 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 30 days old.
Consumer complaint received 2018-04-12
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. (LA)

I have Transunion 's TrueIdentity  and have requested multiple times for them to stop contacting me with promotional items, on line and over the phone, several times. The company refused to stop contacting me and is of absolutely no assistance in the matter. To make matters worse, the promotional emails contain a link to unsubscribe, which I have done and yet it does not work. The promotional emails also say you can log into your account and change your user preferences, which I have done and yet it also does not work. On top of this, I have called Transunion several times to request them to stop the emails, but they say they are unable to help me. They said I need to get on the Consumer Credit Industry opt out program, but I am already on that list. 
I highly suspect they are unwilling to help me, and this whole process my be illegal. Please investigate the this matter. It's just incredibly rude & possibly illegal. Thank you
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

I opened a bank account at Citibank ( branch located at XXXX XXXX XXXX, XXXX XXXX ) in XXXX. On or about XX/XX/XXXX I tried to make a wire transfer via Citibank website, something that I used to do normally, but Citibank system did not complete the transaction -- a message popped up on my screen asking me to call the bank. 
Following the message, I called Citibank. The representative who asnwered the call said that she could not allow the transaction and would have to block bank account (! ). I was quite surprised, especially because she did not informed the reason why my bank account had to be blocked- she just said " its for securuty reasons '' and that within XXXX hours they would call me. Needless to say, nobody from Citibank ever called. Since XX/XX/XXXX I have been tryhing to understanding what is going, but all representatives that I spoke with up until today could not explain. I DO NOT KNOW WHATELSE TO DO. I do not manage to gain access to my bank account by the website, my bank account has my money and I am unable to make any transfer or payment. I have tried several times to understand what is going on, but nobody at Citibank is doing anything to resolve my problem. I sent a message to XXXX XXXX, the manager of my bank account on XX/XX/XXXX asking for help, but he did even answered it yet. 
This conduct is abusive and arbitrary. Shame on Citibank and its employees. 
Please help.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Subject : Urgent : Dispute of Account Information - Immediate Action RequiredDear Self Bank, I am writing to you with utmost urgency regarding discrepancies in the account information associated with my account. As a consumer, I demand immediate action to rectify these inaccuracies in accordance with Section 609 of the Fair Credit Reporting Act ( FCRA ) .Account Details : Account Name : XXXX XXXX Account Number : Credit Card Ending XXXX It has come to my attention that the information reported by XXXX XXXX  may contain errors or inaccuracies. I vehemently dispute the accuracy of this information and insist on a thorough investigation into the matter.Under the FCRA, it is your obligation to ensure the accuracy of the information provided to consumer reporting agencies. Therefore, I demand that you promptly provide me with the original documentation related to this account, including any agreements or contracts that I purportedly signed upon its opening.I expect your immediate attention to this matter and a response within 30 days as mandated by federal law. Failure to address this dispute and provide satisfactory resolution will leave me with no choice but to escalate this matter further.I am not providing my Social Security card or any other personal identification at this time. It is your responsibility to verify the accuracy of the reported information without requiring additional documentation from me.Your prompt action in resolving this matter is imperative. I trust that you will handle this dispute with the urgency and seriousness it deserves.Sincerely XXXX XXXX
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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, 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 2023-08-02
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. (LA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my deep concern and frustration regarding the recent attempt to remove fraudulent items from my account. Despite my previous correspondence and efforts to rectify this issue, I am disappointed to find that the problem persists. 

The repeated failure to adequately address this issue not only undermines my confidence in your company 's security measures but also places my financial well-being at risk. It is unacceptable that despite my diligence in reporting these fraudulent activities, they continue to appear on my account statement. 

I demand that immediate action be taken to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparency regarding the steps being taken to prevent such occurrences in the future. 

Furthermore, I urge you to provide compensation for the inconvenience, stress, and potential financial harm caused by these fraudulent activities and the subsequent ineffective resolution attempts. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting ag 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
Consumer complaint received 2023-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for an auto loan with XXXX XXXX XXXX XXXX. I received a decline due to a XXXX XXXX XXXX XXXX XXXX of XXXX, which is not correct. I am a member of score sense who shows my credit scores, as follows Trans Union XXXX XXXX XXXX XXXX XXXX I also pulled my credit scores from XXXX  with the following results : XXXX XXXX Trans Union XXXX XXXX XXXX I need this error from Trans Union LLC corrected ASAP.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CT)

whom it may concern, I mailed several letters of dispute last one being certified on XXXX XXXX XXXX in regards how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from XXXX to XXXX says late and being over XXXX behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

NAME : XXXX ACCOUNT NUMBER : XXXX This account shows late payments on all 3 bureaus & transunion shows balance of XXXX $ which is incorrect, I'm uploading proof of statement, this account needs to be updated/corrected..never late.. 

NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX shows late payments, I have never been late on making these payments ever.. payment history needs to be corrected!
Consumer complaint received 2018-10-12
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. (CA)

CFPB, kindly speed up the process in reversing the late payments that were reported on some of the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX..I addressed the issue with the credit bureaus but they were unable to fix it. The error is keeping me from moving forward on buying a car
Consumer complaint received 2017-04-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My car caught fire on XX/XX/2017 unexpectantly as I drove it. I filed both an insurance claim and a claim with the manufacturer of the car. As of to date the claim is still open and under investigation as I await results from the manufacturers engineer report. The bank in which I financed my car is aware of the situation and has all the documentation they need to either stop requiring me to make payment as my insurance company will declare the car a total loss or if it is a manufacturer default they will compensate for the vehicle. To date I have been called and harassed from capital one about possible repossessing my car, which I do not have in my possession and has since the vehicle caught fire ... ..
Consumer complaint received 2023-01-02
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with Capital One and they do not have information pursuant to North Carolinas UC-C. They are robbing, badgering my credit with no explanation on an erroneous alleged chargeoff.
Consumer complaint received 2023-04-06
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-04-01
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2017-03-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TN)

The representatives of XXXX went to Wells Fargo Bank in XXXX, GA, on Wednesday on XX/XX/2017, and submitted documents on a promissory note. All representatives of XXXX sat in an office as we presented documents in order to process said documents. The intent of visit was clearly stated. Calls were made to confirm if the papers submitted were in process there was one document that needed to be changed and we retrieved the needed document. The Personal Banker said that, " It 's a go '' indicating we were ready to exchange on the promissory note. 
Then representatives of XXXX came in on Friday, XX/XX/2017, He attempted to open a business and savings account, which we did not request and, avoiding the very reason we came into the branch, which was to exchange legal tender ( promissory note ). We explained our intent and he then referred us to another Banking institution of Wells Fargo to speak with someone who dealt with our particular financial needs. We then, met with the Personal Banker 's, referal and then he explained that they do honor promissory notes as legal tender, negotiable instruments. He said we ca n't use our promissory note but Wells Fargo creates their own promissory note. We were then directed to corporate at Wells fargo. Several other calls were made to the corporate offices in California, one in XXXX and the other in XXXX XXXX, in attempts to exercise our rights regarding the promissory note according to the UCC law which is under the Federal Reserves and Maritime Law. [ Admiralty law or maritime law is a distinct body of law that governs maritime questions and offenses. It is a body of both domestic law governing maritime activities, and private international law governing the relationships between private entities that operate vessels on the oceans ]. There were 2 of the 3 callers that were very rude and unprofessional and absolutely hateful and mean, when asked questions regarding their position and if we could speak to someone else in a higher position. We got blown off and talked to as brutes, just overall violated our constitutional and civil rights and turned away without the anticipated services rendered that are due us. The corporate office representatives told us they do n't do promissory notes but two branch manager told us they do them and have done them. We have an actual recording of the conversation with one of the managers telling us that he has done several promissory notes and that Wells Fargo create their own ( PN ) on a certain type of paper. While on the phone with the corporate office representative of Wells Fargo, a call was made to the person we spoke to and we were informed by the corporate office representative, that the manager at the bank said he did n't tell us they do promissory note, it was a misunderstanding.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.