davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Adler Wallach & Associates, Inc. (CA)

Request for correction of credit report -compliance with federal laws -opportunity to cure. i am reaching out to address concerns regarding the accuracy of my credit report as it pertains to my investment. As an investor, under 15 U.S. Code 1681s-2, it is mandated that as a furnisher of information, must provide precise and truthful information to credit reporting agencies. In accordance with the fair credit reporting Act ( FCRA ), All companies reporting has violated my federally protected consumer rights under the FCRA section 602- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. This means that I have the right to privacy. My credit report is non-public personal information that should be protected to avoid situations like this one I am addressing today, pursuant to 15 USC 6801 ( b ) ( 3 ) -protection of non- public personal information.Under the FCRA section 604 permissible purposes of consumer reports states ; any consumer reporting agency may furnish a consumer report under the following - ( 2 ) in accordance with written instructions of the consumer to whom it relates. This means a consumer reporting agency can not furnish an account without written instructions or authority of the consumer. The only way a company can obtain permissible purpose is by a court order or the consent of the consumer. Im giving 15 days to delete all accounts and correct my consumer report. All inquiries needs to be deleted this is identity theft.
Consumer complaint received 2022-11-09
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as these are impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there are a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureau and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-19
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. (NY)

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 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 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 2022-10-19
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: EQUIFAX, INC. (PA)

I AM LOOKING TO PURCHASE A HOME SO I STARTED LOOKING INTO MY CREDIT REPORT AND FOUND SERVERAL FRADULENT CHARGES ON MY CREDIT REPORT WHICH INCLUDES XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED ON XX/XX/XXXX ALSO XXXX OPENED ON XX/XX/XXXX, THERE WERE ALSO SEVERAL HARD INQUIRIES ON MY REPORT WHICH I HAVE NO IDEA HOW THEY AREON MY REPORT BECAUSE I HAVE'NT APPLIED FOR ANY CREDIT IN SERVERAL YEARS THESE HARD INQUIRIES INCUDE XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2018-12-05
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. (LA)

On XX/XX/XXXX approximately XXXX I spoke with XXXX XXXX and XXXX XXXX ( Who stated that she was the Transunion 's supervisor of the fraud division ). I advised both that I had several inquiries on my credit file that I did not authorize. XXXX stated that transunion does not control what is reported on the credit file and that all inquiries are facts and the creditor has permissible purpose. I advised her that the creditors do not have my written authorization and I wanted a dispute of inquiries filed in order to get the inquiries deleted.The creditors in question are not required to provide transunion the authorization records is what I was told. They are committing an illegal act and violating my FCRA rights by refusing to investigate and remove inaccurate information. I provided the credit bureau with the police report information and item numbers back in XXXX of XXXX stating that I was a victim of Identity Fraud twice. 1 of the police report item numbers mentioned is XXXX. The inquiries in reference are : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/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 2023-09-28
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. (FL)

I have reviewed my credit report, dated, and found an entry that reports payment transactions. According to the FCRA, payment transactions are not allowed to be included in the credit profile as they do not represent an extension of credit or a debt obligation. This reporting violates the FCRA in the following ways : Inaccuracy : The entry inaccurately reflects my credit history by including payment transactions that do not pertain to any credit or debt-related obligation. 
Misleading Information : The inclusion of payment transactions misleads potential creditors and lenders by suggesting that I have a credit history or debt obligations that do not exist. 
FCRA Compliance : The FCRA explicitly states that credit reporting agencies, such as TransUnion, are required to ensure the accuracy and fairness of the information they report. Inclusion of payment transactions on my credit report is a clear violation of this requirement.
Consumer complaint received 2023-04-25
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)

I would like Equifax to remove an invalid inquiry from XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX in regards to XXXX  XXXX XXXX in XXXX XXXX XXXX on evidence provided.
Consumer complaint received 2023-09-28
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-05
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. (WI)

XXXX XXXX XXXX  XXXX Payment Status : Paid Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This account was to be removed from my report and to date it has not been completed. I can no longer request Experian investigate the issue as they will not reinvestigate.
Consumer complaint received 2024-05-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (SD)

To whom it may concern, I am writing to bring to your attention a concerning matter regarding my recent experience with Wells Fargo. 

On XX/XX/year>, I was charged an excessive fee of over {$1200.00} due to what appears to be a failure on the part of Wells Fargo to provide adequate communication regarding the renewal of my CD. Despite being contacted by the bank on the last day of the grace period, I was not informed about the impending auto-renewal of my CD. Consequently, upon visiting the bank the following day, I was dismayed to discover that my CDs had been renewed at the lowest annual rate without my consent or prior notification. 

This situation has left me feeling unfairly burdened with additional charges that could have been avoided with proper communication and transparency from Wells Fargo. I was then informed that rectifying this error would require an additional payment of more than {$1200.00} to switch to a CD with a higher rate, further compounding the financial strain caused by this oversight. 

Furthermore, I must emphasize the impact of delayed communication, which was exacerbated by the harsh winter conditions in South Dakota. As a loyal customer, I trust that Wells Fargo values my satisfaction and understands the importance of timely and clear communication, especially in circumstances beyond our control. 

I kindly request that immediate action be taken to address this matter and rectify the undue financial burden placed upon me due to the bank 's oversight. I believe a fair resolution would involve waiving the excessive charges incurred and facilitating the transfer to a CD with a higher rate without further financial penalty. 

I appreciate your attention to this urgent matter and look forward to a swift and satisfactory resolution. Please feel free to contact me at [ your contact information ] to discuss this matter further or provide any necessary clarification. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-10-19
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. (PA)

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Act Name : XXXX XXXX XXXX  XXXX Act Name : XXXX XXXXXXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXXXXXX XXXX Name : XXXX, XXXX Act Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-19
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. (FL)

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-02-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Fraudulent Activity on my Pre-Paid Unemployment card over 6 weeks ago. Complete run around since. On XX/XX/XXXX I called and reported fraudulent activity on my pre-paid unemployment card. I went to bank the morning of XX/XX/XXXX to withdrawal my weekly benefit and to my surprise it had already been withdrawn. I then called the fraud department of BOA who took my statement closed the card and said they would reissue a new card and that i would be given a provisional credit within 7 business days. Well i never received credit! I did receive new card which worked for 1 week only and then i was told XXXX froze the card. I have since spoken to XXXX whom asked me to send appropriate documentation to them which was done on XX/XX/2021. I confirmed receipt with them on XXXX, 2021 in which they said they sent over documentation to Bank of America on the freeze tracker form. Well here it is XX/XX/XXXX another day of contacting BOA customer service, claims, and that fraud department. As well as contacting Nevada XXXX who once again tell me that i have done all that i can and that they sent everything to Bank of America so its it their hands. Another day of XXXX  telling me they don't know why BOA unilaterally instituted a policy that required XXXX  to check recipient 's identity after they report fraud. So first i get robbed via an ATM i have never been to and then it continues with me being re-victimized every week by BOA. Not only does BOA claims department refuse to work on my claim until my account is unfroze, i can not access any money in the account and Nevada XXXX  keeps depositing money in the account weekly and I can't access that either. I have been on an endless loop of calling BOA claims, customer service, and BOA and XXXX fraud department. I have done all i have been asked to prove that i am who i am. Meanwhile another week passes with BOA stealing my money again. Today i was transferred 16 times within BOA and nobody knew a thing on what to do. I would just like some real help in getting access to my account and monies and having my stolen funds returned. I hope someone and BOA Corporate knows how to help. I am also going to file a complaint with the Consumer Financial Protection Bureau as i have no idea how BOA is able to unilaterally institute a policy that absolves them of responsibility for adhering to Fair Credit Billing Act, which requires that i get a provisional credit within 20 days while claim is investigated. but, not only have i not got this by law mandated credit but BOA claims will not investigate claim while my account is frozen.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (TX)

The public records for XXXX XXXX XXXX that are more than 7 years old are reporting on my background checks for employment causing denial for employment. This information was once removed from my reports since it was a XXXX committed in XX/XX/2009. 

Please take this information off my report.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (IN)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-05
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. (TX)

Improper Use of Credit In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right.Below are the inquiries that are not authorized by me and unrecognized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANDY SPRING BANCORP, INC. (FL)

We have cc account with Sandy Spring Bank! The accounts were closed 18 months ago but XXXX of fees were being taken out monthly. Contacted the bank to stop unauthorized debits and they said they could not help. Closed the acoiuny and they took monies out if another account.