davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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. (SC)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 handwritten instructions.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent you a letter last XXXX XXXX XXXX but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (ME)

I received a bill 8 months after a service was rendered from XXXX XXXX XXXX XXXX, in XXXX XXXX, TX, for {$850.00}. I had contacted them in early XX/XX/XXXX to assist in saving 2 dogs from a shelter ( a site on XXXX to rescue animals ). I agreed to pay a fee of {$200.00} to shelter and return to health these 2 dogs. The first dog was released within a few days but the other dog had XXXX XXXX, which required a 2-3 week board. The 2nd dog was released, transported to me in VA and I fostered them until they were placed in their forever homes. I moved back to my home in ME and didn't hear anything else and assumed the debt was paid in full as a joint rescue mission. Until, I received this startling debt. The invoice indicated the amounts were charged to me in XX/XX/XXXX, months after the services were rendered, 5 months after the dogs had been placed in new  homes. The amount was staggering for boarding of mainly 1 dog. I contested this bill, noting that I had agreed to a {$200.00} debt, which I paid up-front, that I assumed the debt was a joint charity effort in rescuing these dogs and that I was also not in a position to pay such a fee at that time ( unemployed during the 2nd half of XX/XX/XXXX ). 
No response. 
Then, a bill from Capital Accounts shows up to my home in ME with the full amount due on XX/XX/XXXX and I promptly write to them with the same explanation, even offering to pay {$100.00} as a means to settle this unreasonable debt. I sent this letter in the U.S. Postal mail AND I uploaded it on their mysteriously, unfriendly website. 

I did not receive any response from Capital Accounts to my letter. I do however. receive a letter from them on XX/XX/XXXX advising me of the following, " you have not made satisfactory payment arrangements to pay this delinquent debt and XXXX XXXX XXXX XXXX has authorized us to report this unpaid collection account to the national credit bureaus '', which a day later they reported this debt to two national credit bureaus. 

Please help me to get this debt removed from my credit report and force this debt collector to better communicate and work towards resolve of each individual.
Consumer complaint received 2017-10-19
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. (MA)

A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. Experian has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while Experian has refused to address my concerns. XXXX has provided no resolution and establish no contact to this date.  Experian has been provided with XXXX report reflecting corrected information in response to identity theft.
Consumer complaint received 2023-06-02
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. (TX)

I have filed many letters to XXXX, XXXX and Equifax about the inquiries on my credit report that I dont recognize as well as filed ftc reports. They have not responded to my dispute letters in timely manner nor responded to my follow up letters in compliance with the FCRA and are sabotaging my credit report which is keeping me from buying a house.
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL (CA)

I have a XXXX yr CD that has reached maturity with Synchrony Bank and they are telling me they have a policy that will take XXXX or XXXX business days in order to DECIDE whether or not to honor my REQUEST to get my funds sent back to my XXXX bank account via XXXX transfer. Then it will take XXXX XXXX days for the XXXX transfer ... yikes! 

I have read online that Synchrony is under investigation for false claims and " flagging '' CD accounts as FRAUD in order to keep people 's money for months ... interest free ... instead of returning people 's money to them... 

I called CFPB about this and was told to call XXXX Rules which I did. THEY told me to call FDIC, which I did and was told to call CFPB! 

So, I don't know what to do. There doesn't seem to be any kind of XXXX XXXX or tracking of XXXX transfers, and I am afraid my account still shows that it is in the grace period and not closed and NOT on its way back to me! 

This scares me because this money IS my retirement!
Consumer complaint received 2023-06-04
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. (TX)

I am contacting you to request the deletion and removal of the specified accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported in any way, as their inclusion violates the FDCPA and FCRA. I kindly ask for their immediate removal from my consumer report, as their presence infringes upon multiple laws. Please take prompt action to remove these accounts and information without delay.
Consumer complaint received 2023-05-09
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I am a victim of fraud, {$460.00} was withdrawn from my account. Days before, I called Chase because I noticed my debit card had been closed on XX/XX/year> ) which I did not do ) this is something they had not considered in investigation, there was already fraudulent activity happening. they charged my account twice for a replacement fee. I only need XXXX card. They have not returned the second fee. Chase bank only noted, the person who took out my funds had my pin. Chase did not contact the bank or look at video footage. ( XX/XX/year> ) how did I take out the money if it takes XXXX business days for me to receive the card in the mail?
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-16
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: Affirm Holdings, Inc (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX XXXX please 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 2023-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diverse Funding Associates LLC (CA)

I received a call from an attorney offering to hire him to be represented in the lawsuit that has been filed with DNF. I was not aware of why I have been sued. I was not served any legal court paperwork, received any calls or emails. I was never contacted either. When I was able to speak to this attorney he told me my name had came up as an open case at the XXXX XXXX Court house he advised me to look up the case online to get further information and to contact the office. When I did, I verified who was I being sued by and I had no idea who DNF was, I called the law firm that contacted me for representation and gave them the information and they provided me with a phone number to try to reach a representative for DNF. I called a few times and they wanted me to verify my SSN #, I'm aware of scams and I was not wanting to provide that information, I asked if I could verify myself another way and one of the representatives said " You don't know your SSN #? I said no I don't. I provided my full name and DOB but that wasn't enough to give me information. ( already a red flag ) I finally decided to call again and try to provide the least amount of information to prevent any future fraud. I was told there was a balance with a XXXX credit card. I asked for the amount and contacted XXXX. XXXX was unable to give me any information, and it's never been on my credit report. I contacted the law firm to hire them for representation they asked if I had any idea about this debt, have I been contacted by this debtor? and I said no, if you wouldn't have told me I would of never known about this lawsuit. I was told I needed to wait to be served and to see if this account could be validated as mine. Weeks went by and I heard nothing, again I call this lawfirm who tells me it looks like you've been served. I said no I still I have no idea on who this company is and what's going on. Well now I get the information that I'm limited on what I can do because this company is now going to to garnish my wages without even giving me a chance to file anything on my behalf. They went behind my back and filed a lawsuit AND then said they served me with papers that I never received. They have never once sent communication by mail so that I had something in front of me to review nor spoke to me about what was going on. I had to spend money to purchase the documents to view online ( Complaint demanding, Original Summons, and Civil Case Cover sheet ) Furthermore DNF has violated FDCPA by not sending a written debt validation notice including the amount of the debt, name of the creditor, and a notice of the consumers right to dispute the debt within 30 days they used unethical communication tactics ( by filing a lawsuit against me without letting me know and stating I was served ). Theyve caused me unnecessary stress and frustration in trying to figure this situation out with little to no information
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX XXXXXXXX -- - IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX and XXXX  XXXX. 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. 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 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (CA)

I checked my credit report and it stated that I had made a hard inquiry with Amex. I immediately called them to let them know it I never made any inquiry. I received a letter stating that they recently attempted to speak with me regarding a security concern on my account. AN ACCOUNT THAT I DO NOT HAVE. I called them again and spoke with a Fraud representative stating they will investigate and immediately close said account. It is so scary to know someone had used my information to create an account. The representative told me they can not disclose to me what the card or the account had been used for. But that I will receive a letter within 30 DAYS to summarize their investigation.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax is reporting fraud/ inaccurate/incorrect information on my report. I never instructed this XXXX XXXX to furnish this report, create this report And I never consented to this report in the first place. 
This information is inaccurate/fraud/false or incorrect. 

XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$680.00} XXXX ) XXXX XXXX XXXX {$520.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXXk ( XX/XX/XXXX ) Please forward me any documentation providing proof I applied for credit with this creditor. If you cant provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-21
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. 

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.