davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
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. (UT)

DO NOT CLOSE THIS COMPLAINT. This is a legitimate complaint made by me not a third party company. I was the victim of identity theft, they got medical care and used my name.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must REMOVE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As I perused my report from the year 2016, a disquieting realization dawned upon me : certain aspects remained woefully incomplete and alarmingly inaccurate. In accordance with the stipulations set forth by the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to adhere to reasonable procedures, ensuring the utmost accuracy in the information pertaining to the individual in question. 


I sent a letter requesting that they re-investigate the accounts listed below because... 

Accounts XXXX XXXX Not reporting accurately and being incorrect. 
XXXX Not reporting accurately and being incorrect. 
XXXX XXXX Not reporting accurately and being incorrect. 
XXXX XXXX reporting accurately and being incorrect. 

XXXX XXXX XXXX XXXX reporting accurately and being incorrect. 
XXXX XXXX XXXX XXXX reporting accurately and being incorrect. 
XXXX XXXX XXXX reporting accurately and being incorrect. 
XXXX XXXX ( bank ) - Not reporting accurately and being incorrect. 


I have yet to receive a response from them ; enclosed is my tracking number. Might you be so kind as to investigate this matter on my behalf?
Consumer complaint received 2023-05-11
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. (MN)

Again, despite repeated requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus are required to correct or remove but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts should correct removed immediately : XXXX XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX XXXX XXXX Balance Owed : {$30.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX Balance Owed : {$1300.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXXXXXX Balance Owed : {$310.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.XXXX XXXX XXXXBalance Owed : {$9600.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX XXXX Balance Owed : {$10000.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-21
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. (FL)

I have been sending countless letters appealing to Experian to verify the disputed item and remove it if unable to prove that the Item is mine. I have been a victim of Identity Theft and the item I am disputing does not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Experian about the theft of my Identity and that the item was never mine, Experian never cared nor paid any attention to my Disputes. XXXXm 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 following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need you to remove this account completely from my file : XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX XXXX XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2021 XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021
Consumer complaint received 2022-11-20
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. (IL)

This complaint is not being filed by a XXXX party or a Credit Repair Agency. 

I just reviewed my credit report and there are some Hard Inquiries that I did not recognize or authorize. Please delete these Hard inquiries from my Credit Report. I have already filed an identitytheft report and attached it to this complaint. Here are the hard inquiries XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
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. (LA)

Ok first I am a victim of identity theft and I know this started with my XXXX phone account that I opened last XXXX. I tried over and over to get XXXX  to stop the people who hijacked my account. There were things ordered account info changed and thousands of dollars that I had nothing to do with but XXXX did nothing but bill all that fraud activity to me in which we had this laughable arbitration XXXX that I had no chance to win if XXXX was not made to give all the many calls I made to them there fraud department and many more. This took place until I stop paying and my account was closed. Now there are XXXX collections on my account. I am a United States XXXX Veteran who is XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, I cherish this democracy and firmly believe in responsibility, but there is nothing fair about how this is happening to me I found out were one phone that was bought on my account is in XXXX XXXX XXXX with the XXXX until they are done with there investigation. He told me there was no guarantee I will get it back at all but XXXX charged me for that phone it is clear it was stolen but they don't care I'm looking at a derogatory collection that hurts my chances at any credit and being on a set income that hurts. Please help me get this resolved.
Consumer complaint received 2024-11-20
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. (SC)

These account that i disputed for fraud was not deleted. Transunion have violated my fair reporting act laws and should be sued i have sent numerous documents to Transunion about these accounts XXXX  account open XXXX XXXX XXXX account is XXXX XXXX XXXX XXXX XX/XX/XXXX {$XXXX} Inquiries : Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Capital One mailed a letter to me dated XX/XX/24, which I received yesterday, XX/XX/24. In this letter, they indicate they are closing my account because " it is not consistant with our expectations for account usage and violates the Capital One Customer Agreement. '' I have made all payments on or well before the due date, paying them in full normally. Because I am on Social Security, I have stopped paying the entire balance ; I only make a {$200.00} or more payment. I have been late once in the last several years I've had this account, as near as I can recall and only recently. 
I am very, very upset about this high-handed form letter, and am submitting this complaint because I feel I am being discriminated against due to a lessened payment and that I am on Social Security XXXX They have never NOT gotten a payment from me in the entire time I've had this card and I do not expect to not pay the balance. Thank you for your assistance in resolving this problem.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WA)

I applied for a credit card. I did not like the terms offered and did not accept the card, but Citi just opened an account in my name anyways. They refused to do anything about it when I called. So now I have an open credit account that I dont want and never asked for, and the company wont do anything to fix it.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

XXXX initiated a real time bank to bank transfer which they claimed was sent instantly to my Wells Fargo account. They've supposedly escalated issue and assure me money is on Wells Fargo end and to call them to see where my expected {$290.00} instant transfer from XXXX went. I called and talked to XXXX, who proceeded to gaslight me and kept robotically repeating that ACH transfers take money. He didnt know what a real time transfer was. He kept saying that it was an ACH transfer even though it wasnt then he claimed he couldnt see any transfers coming in. SO apparently Wells Fargo or XXXX are holding almost XXXX dollars owed to me XXXX. Wells Fargo is refusing to assist further in finding my money.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TX)

I paid my XXXX payment for car note for {$460.00} and Truist applied it as an interest only or principle payment and did not pay my monthly car note and it reported to the credit bureau for a 30 day late payment. I have paid this car note consistently the same way for 3 years and have never been late. Truist said they see their mistake but can not change it and that I would have to contact the credit bureaus. I contacted all 3 credit bureaus and they all said it was Truist mistake and they are the only ones that can change it.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2024, I deposited a check for {$2600.00} from my XXXX XXXX  account and deposited it to my Wells Fargo bank. They claimed there were insufficient funds but the check never bounced. I called XXXX XXXX which I drew the check from and they said the check was cashed by Wells Fargo and there were enough funds to cover the check. Wells Fargo refuses to release my funds claiming they need to call XXXX XXXX  and XXXX XXXX  won't answer. They are claiming I have to wait until XX/XX/XXXX to get my funds. My next action is to contact a lawyer.
Consumer complaint received 2021-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MD)

I THE ORIGINAL CREDITOR am exercising my rights and find the following third-party entities which have no legal rights, in violation of federal laws. I have sought out the enforcement of the FTC as these alleged accounts have been continuously being illegally Verified as accurate, and stating that I The Original Creditor, owe this alleged debt. 

***XXXX XXXX is a third-party debt collector** ***Phoenix financial is a third-party debt collector*** ***State Collection service is a third-party debt collector*** *** XXXX XXXX XXXX is a third-party debt collector*** *** XXXX XXXX XXXX is a third-party debt collector*** Adhere to the federally mandated guidelines or face civil liability which is enforceable by the FTC. Each entity/person/corperation/third-party/agency/affiliate is with proof in clear violation and my federal law, must pay me in a valid check in the amount of {$14000.00} for these violations. 

XXXX, XXXX, and XXXX should be aware they are reporting false, misleading and deceptive Information, and can be found liable as the third party debt collectors if they do not immediately cease reporting these illegal and alleged accounts. 

This is the last chance to cure for each entity.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (CA)

I have accounts in bank of the west and this bank accidentaly, or purposely change the amount that i wrote on check {$20.00} to {$200.00} and right away franchise tax board sweeped my accounts that falsely credited by bank, and after that bank got there was a mistake happened, overdrown my account, and dont accept responsibility of their mistake.
Consumer complaint received 2023-02-15
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. (GA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have been very patient with XXXX and have requested them to remove inaccurate information from my credit report that has implications for fraudulent activity. This is the fifth time I am bringing this matter to your attention, and I don't have the words to explain how disappointed and frustrated I am. Dealing with people and systems that are purposely directed towards innocent individuals, treating them like trash and ignoring them, is unacceptable. This has gone far enough. This has to stop now, especially with XXXX, XXXX, and TransUnion. 

If you graded them as criminals, they would be the worst of the worst. Their actions have killed so many people 's hopes and dreams and, in some cases, might have caused divorces, murders, and even suicides. Their corrupted actions only benefit the richest corporations and have actively been labeled above the law. Is that really happening?

All information provided to the Bureau or the Commission, whether orally or in writing, shall be treated as confidential and not publicly disclosed until the Effective Date. This will be mentioned to the attorneys I am going to hire to sue and pursue punitive damages for the duration of the combined efforts accumulated over the last year. I was hacked by a hacker and lost over {$300000.00}. Now we know how they get their informationemails, passwordsall because of negligence and greed. Hope you are ready to pay again. This shouldn't happen to anyone. How do you recover from a loss like this? I have lost everything, and I have to live with that. I don't think you realize how much anger has built up. 

I would like XXXX, XXXX, and TransUnion to please remove all the negative, inaccurate, and unverified information. Especially the charge-offs that are not supposed to show any balances and have been fraudulently added after being removed correctly. The creditors have already committed fraud by not removing them since they had their time to send the 1099c, and it has been sent to the IRS as 1099a. If anyone like you or I lied or stole money at that level, we would see prison time for sure. Above the law, you would think. Is fraud a crime or not?

And next, please remove your own fabricated hard inquiries. If the consumer does not receive any funds from the transaction, why are you adding them back on after removing them? Sneaky, like you know you are breaking the law, like adding more apples to the bag that was already weighed and packaged equally, then expecting to pay the same price for stealing. I hope you find it in your hearts to give a little back sometimes instead of taking every drop you can like spoiled, entitled brats. Thank you.