davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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. (TX)

Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-06-30
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. (NY)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed again these inquiries for accounts I never requested to open. These are fraudulent and the first investigation for my complaint was a failure. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2018-10-09
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Car was my moms not mine and still showing on my credit history. Called Nissan multiple times and  keep getting the run around. They called and harassed me many times and I had to change my number.
Consumer complaint received 2017-05-08
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. (IL)

I have a dispute with Equifax about  XXXX   XXXX   XXXX   XXXX  about # account number  XXXX  with myself not being knowledgeable of opening an account with this agency. I have written Equifax and ask them to prove to me that I had an account with  XXXX   XXXX   XXXX  and to show me some type of documentation of proof that I owe this company any monies and so far iIdid not receive any documentation of proof that I owe   XXXX   XXXX   I am asking that Equifax either show me any type of Documentation proof that this is my original creditor and that I had an account with them if not I want this account REMOVED from my  XXXX  CREDIT REPORT as soon as possible. I do not think it is fair for myself to keep requesting proof from   XXXX   and they keep claiming that this account had been verified with no documentation to prove it that i had an account with  XXXX   XXXX   XXXX  agency as the account original creditor.
Consumer complaint received 2023-08-14
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)

This is my 7th 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$6000.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XX/XX/2021
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/18 I purchased a XXXX XXXX  sample lotion, ad said free pay only for S & H of {$4.00} when the XX/XX/XXXX bank statement came the {$4.00} charge was from XXXX XXXX. 
Then I received my XX/XX/XXXX statement which had a charge of {$89.00} from " XXXX XXXX XXXX '' I did not have a clue what this was, so I called the bank and disputed the charge. While the bank was investigating the charge. I received a package in the mail which was another 1 oz sample size of XXXX XXXX with my name, address and invoice for {$89.00} which I had not ordered. I wrote REFUSED on it and sent it back the next day. 
I called the bank to let know who the charges were from as we did not know. Then I receive my XX/XX/XXXX bank statement which had one charge dated XX/XX/XXXX XXXX XXXX XXXX for {$89.00}. And another dated XX/XX/XXXX Bal. adjusted for XXXX XXXX XXXX for {$89.00}. 
So I now have 2 charges of {$89.00} neither of which I ordered. I called the bank & was told it was in the bands of billing and noone could help me. 
Talked to 2 different men in the fraud dept. and they told me I signed and gave them my credit card number, so I owed it. Companies always say its a sample and no charge except S & H and I should know that. Then I receive about 13 pages from B of A telling me that they received the invoice from the company and everything looks valid, so I owe the amounts. I told them I will not pay it, I did not order it, and if they will not stand up for their customers, THEY CAN EAT IT. Then I received my XX/XX/XXXX. statement showing a balance forward as an unpaid balance. 
I called XXXX XXXX XXXX and nobody knows anything, they did not charge me. Then I called XXXX XXXX, XXXX not in service. Then I called XXXX  XXXX @ the number on the bank stmt, she said they were XXXX XXXX. when I started asking her questions, she got nervous. I told her to take my name off their lists and do not ever contact me again. 
She offered to discount XXXX XXXX so I could purchase more. 
I told her that I am sure she received the pkg I sent back that I refused. She said we do not take returns. So if you sent it I do not know where it went, because we do not take returns period. 
Also, everything they sent the bank is one big huge lie. They never sent me an invoice except as I said my name, address and {$89.00} charge on a tiny little invoice. I sent it back with the refused pkg. The bank said they received the invoice, they made it all up big fat lies. plus they never contacted me once. Only the one small invoice. They never called me, emailed me, absolutely nothing. Anyone can make up a phony invoice after the fact because that is exactly what they did. 
These people are lying, cheating rotten to the core, bad bad bad and need to be taken down. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
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: Bridgecrest Acceptance Corporation (GA)

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

I've disputed the accuracy of my payment history on two of my XXXX XXXX accounts. Disputes made through each credit reporting company and all continue to come back verified as accurate. I've sent certified mail and called reguarding this information and requested documents that show the verification. I have yet received and documents and the inaccurate reporting still shows on my credit profile. 
Delete the late payment history and update the accounts and report them properly to all three credit reporting companies. XXXX, XXXX, and XXXX, each credit reporting company should all have the same exact information nothing should be different.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TX)

After I found out that a credit card issuer pulled a report from Sagestream I immediately contacted them via Fax as mentioned on their website alongwith identification requirements.and requested them to provide a copy and also freeze my credit report. This was sent on XX/XX/2019. After 10 days elapsed and no response from Sagestream I decided to call but was prompted by automated system to leave a message and that they will call back in 1 business day. I waited 1 week for response and repeated the process 4 times at weekly intervals but never heard back. Then I faxed the documents again on XX/XX/XXXX and finally sent a letter via USPS certified mail on XX/XX/XXXX and received acknowledgement of receipt of the letter but still no response. 

In summary, I have faxed twice, called and left message 4 times and sent documentation via USPS certified mail once and there is absolutely no response from the company. It is now 6 weeks from the first time I tried to contact them.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I lost access to my account funds as of Saturday XX/XX/23, and have received no way to remedy the situation since then. I have visited my local branch four times since this freeze of my account has occurred, and spoken to representatives via telephone at least a dozen times. Each person tells me a different version of events. It's unclear to me why this hold/freeze was imposed and when I can expect to have access to the funds in my account. 
To make things worse, at the time this all began, this was my only bank account. This is where I keep all of my money. I have XXXX  Social Security checks ( XXXX for myself and XXXX for each of my XXXX children ) that are to be directly deposited into this account in Wednesday XX/XX/. Were I to change the accounts to which those checks are deposited, the change would not go into effect until XXXX. I am a recent widow with XXXX XXXX children and no access to my own money.
Consumer complaint received 2023-06-23
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. (VA)

In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. I requested that XXXX XXXX, Transunion as well as XXXX to re-investigate the attached accounts. However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy. 15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate. Lastly, I requested original signature of all accounts as I do not recognize. These accounts are clearly in violation as they show past due amounts and is inaccurate.
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

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 an account without my permission.
Consumer complaint received 2023-06-23
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-13
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)

looking over my credit report over and seen there are unauthorized accounts on my credit that does not belong to me and need them removed. this is holding up my process of purchasing a home and i have a legal right to dispute anything on my credit report that does not belong to me here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-16
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. (WI)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} WI XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-28
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 2020-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Starting on the XXXX of XX/XX/2019, I fell victim to fraudulent Crypto Currency companies named XXXX ( the Companies ).  Money was transferred from my account to the Companies via credit card for a total amount of XXXX GBP utilizing Coinbase services.
Consumer complaint received 2022-11-21
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. (MO)

On XX/XX/XXXX, I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX Balance Owed : {$0.00} This only serves to highlight your poor record-keeping skills. Even though it is closed and the amount is {$0.00}, this item is currently said to be 120 days past due. Let 's fix this right away. You must confirm this for yourself, but I will go ahead and point out that this account has been paid, closed, and is no longer active. Its status should have read " PAID. '' Unless you can show proof that you haven't violated my rights by reporting false information, remove it right away. 

XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you correct or remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws.
Consumer complaint received 2022-11-21
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. (MO)

On XX/XX/XXXX, I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX Balance Owed : {$0.00} This only serves to highlight your poor record-keeping skills. Even though it is closed and the amount is {$0.00}, this item is currently said to be 120 days past due. Let 's fix this right away. You must confirm this for yourself, but I will go ahead and point out that this account has been paid, closed, and is no longer active. Its status should have read " PAID. '' Unless you can show proof that you haven't violated my rights by reporting false information, remove it right away. 

XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you correct or remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws.