davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (CA)

XXXX XXXX XX/XX/2023 Re : Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) To Whom It May Concern : On XX/XX/2023, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

XXXX XXXX XXXX I am enclosing a photocopy of that original request. The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 

I will assume that I have not received your reply because you have been unable to verify this information. Please remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you time and help in this matter. I have also sent a copy of this letter to the Federal Trade Commission. 

Sincerely yours, XXXX XXXX
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-12-06
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 Account XXXX XXXX XXXX Account name : XXXX Account number : XXXX Account Name : XXXX XXXX Account Numebr XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX and XXXX Account Number : XXXX 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 XXXX 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 2023-08-17
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: Experian Information Solutions Inc. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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 2023-09-05
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. (TX)

I request that you comply with the provisions of 15 U.S. Code 1666b, which requires you to notify the furnisher of the information that I am disputing the accuracy of the information they provided. If the furnisher of the information is unable to verify the accuracy of the information, it must be removed from my credit report.Furthermore, I would like to bring to your attention that the collection agency, [ name of collection agency ], is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal.I also request that you comply with the provisions of 15 U.S. Code 1692g, which requires debt collectors to provide validation of the debt within five days of their initial communication with me. To date, I have not received any validation of the debt.I request that you investigate these matters promptly and provide me with the results of your investigation within 30 days, as required by law. If you are unable to investigate and correct the disputed information, I request that you delete it from my credit report.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

I submitted a fraud claim for multiples of transactions that occurred on my checking account on XX/XX/XXXX. Each representative I spoke with gave me an extremely rough time in steps to take and what to do in this situation. I had to figure out how to order a new debit card on my own, as well as how to even file a fraud claim on my own. XXXX rep processed multiple disputes on my account that now has my account in a negative status of over {$360.00} due to her error. I was credited provisional credits from a dispute she filed when it should have either been filed all together or just filed the correct way as a fraud claim. 

I requested confirmation or either copies ( via email ) for confirmation of claim submitted to which they refuse to send. 
They have only given me reference numbers which serve me no purpose. I need actual copies of the claim submitted for the police reports. 

XXXX XXXX has a XXXX liability for fraud and promises to credit account with provisional credit while you wait for claim to be resolved, which they advertise heavily on their website but they have refused to uphold this standard of practice for me and do not care to resolve my concerns. 

I have called every day over XXXX times per day to fix this as soon as I caught it. I can not sleep properly or eat with this disaster disrupting my life. I even applied for a line of credit to help with costs of living while I wait for this to get taken care of, and I was denied. 

I need some type of assistance to be given as soon as possible.
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: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-17
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. (OH)

the is an collection on my credit report that does not belong to me and i have a legal right to dispute anything on my credit report that does not belong to me according to the FDCPA. HERE IS THE ACCOUNT : XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I can not remove freeze by phone or by using website. Website wont let me create free account, it says password can not be used as username but thats not what Im entering in fields. Its completely broken. Phone has no option to remove existing freeze. I can not unfreeze my report by phone or website. 
Website is Experian.com Phone is XXXX
Consumer complaint received 2022-10-18
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. (SC)

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

NAME XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX, SC, XXXX
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. (MI)

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. I told Transunion, to reinvestigate these accounts : XXXX - XXXX, XXXX - XXXX However XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-03-11
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. (GA)

I opted out from having my non public information being reported to third parties. 
They are still reporting on my consumer report. 
The attached letter was sent to XXXX XXXX XXXX XXXX certified mail
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (TN)

On XX/XX/2021 I received a PPP loan through XXXX XXXX in the amount of {$20000.00}. I had the deposit sent to my new Chime account. I heard that Chime was accepting the ppp loan so I wanted to try the bank out. However my current bank is not accepting the PPP loan. I had been paying myself weekly, and sometime 's bi weekly to my cash app account so that when I submit the documentation to the SBA for PPP forgiveness it will show that I have paid myself for payroll. As of XX/XX/2021 I received an email from Chime requesting a photo id, a utility bill with my address on file that I used to apply for the account, an explanation as to what the funds have been spent on and they requested receipts where I've spent the funds and requested the promissory note from XXXX XXXX. I submitted all of the following. XX/XX/2021 I was advised by XXXX that I needed to submit over my tax return or a tax form. I explained that a sole proprietor is not required to have an EIN majority of us use our SS numbers. Secondly, to qualify for the PPP loan as a sole proprietor you were to submit an 1040 C form. I have done that and fully approved and have been funded through Itria already.These people are with holding approximately 8k! They lock you out of your account completely so you have no way of seeing ANYTHING! I have explained that in order to have the loan forgiven I had to send deposits out weekly to my cash app. I've also expressed to them if the funds aren't used before next week I will not be eligible to apply for the second round of PPP. What these people are doing is stealing! They are freezing consumer 's accounts left and right to make interest off of hard earned tax payers dimes.Online I've done some research a little to late. It seems as if they do this to anyone that has a few thousands in their accounts or more. I have seen the horror stories where some people gave up and just let them keep their funds. I am not that person! I work hard for my money, and I will not allow anyone to steal from me nor my family! This company should be shut down at once!
Consumer complaint received 2023-08-17
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. (NY)

This is XXXX XXXX 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 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. (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.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-17
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. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple creditors and the accounts associated with them. After careful review of my credit reports, I have identified several instances where I believe violations of consumer protection laws may have occurred. I am seeking your assistance in investigating these matters and ensuring that my rights as a consumer are upheld. 

The following violations have come to my attention : XXXX XXXX XXXX ( # XXXX ) : - Violation : Failure to provide accurate and verifiable information about the account. 

XXXX. XXXX XXXX ( # XXXX ) : - Violation : Alleged unfair practices in relation to account management. 

XXXX. XXXX XXXX XXXX XXXX  ) : - Violation : Insufficient or inaccurate information provided about the account. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others : - Violation : Failure to properly disclose terms and conditions as per TILA ( Truth in Lending Act ). 

XXXX. Settlement Office ( # XX/XX/XXXX ) : - Violation : Lack of transparency in settlement procedures as per RESPA ( Real Estate Settlement Procedures Act ). 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ) : - Violation : Alleged unfair practices in account management. 

I have personally experienced the negative impact of these violations on my financial stability and overall well-being. [ Provide details about how these violations have affected you, such as increased interest rates, difficulties obtaining credit, emotional stress, etc. ] I respectfully request that you conduct a thorough investigation into each of these violations to ensure that the creditors involved are held accountable for any breaches of consumer protection laws. Furthermore, I request the removal of the unverified accounts associated with these creditors from my credit report. Doing so would not only rectify the inaccurate reporting but also contribute to restoring my financial standing. 

I greatly appreciate your attention to this matter and look forward to a prompt resolution that upholds the principles of consumer protection and fairness. 

Thank you for your assistance. 

Sincerely,
Consumer complaint received 2022-10-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

My wife XXXX XXXX worked for XXXX XXXX XXXX. They are the same Management company that owned XXXX at XXXX in XXXX XXXX. XXXX gave my wife a apartment at this community while working for them. I never lived at the property or in XXXX XXXX. I lived in our home in XXXX, Texas with our XXXX kids and that is where I worked which Id XXXX hours from XXXX XXXX, Tx. When my wife quit the president of the management company was upset as stated he was going to make her pay for the apartment and if she did not he would put it on her credit. Well, they did not put it on her credit but placed it on mine. The apartment was supposed to be free for the first XXXX months because she was driving back and forth weekly from XXXX to XXXX XXXX. The management knew I never lived at the apartment or in the city. As well she was never sent an account statement to our address in XXXX although that was the address on her employee file, the address her final check was sent to and the address she listed in several emails letting them know she had vacated the unit within 2 days of quitting. My information was used in retaliation to my wife and this debt collection was illegal placed on my credit which is really identity theft of my personal information. I never actually signed a lease and what they have is electronic. As well they do not even have the correct unit number listed on the lease. And again, I would like to add that me nor my wife ever received Final Account Statement to our home with any balances due.
Consumer complaint received 2016-10-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

I had deposited a check into my Wells Fargo business account on XXXX/XXXX/16 from a check from a XXXX account. Wells Fargo had placed a 5 day hold on that check pending verification. On the next day, XXXX/XXXX/16, the check had cleared the XXXX account and was no longer there. Funds had been transferred to Wells Fargo. But they still did n't release the hold. I had fought with them for a week, in the process having my account go into a overdraft situation therefor incurring fees while the account was technically not negative. I repeatedly called the customer service number and nobody could explain where my money was, just that it would be available on XXXX XXXX ... .well over a week away. I had told them I have verification the check cleared, why do n't they. And again no answer. 

I know they have done this numerous customer via website chat rooms about Wells Fargo. It looks like they are using are money to play with to cover the fines they accrued in this latest round of corporate misdoings. This is not fair and they should be fined for this.