davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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. (AZ)

TransUnion Consumer Relations XXXX XXXX XXXX  XXXX, PA XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : 1. XXXX XXXX, Inquiry Date : XXXX 2. XXXX XXXX XXXX, Inquiry Date : XXXX 3. XXXX XXXX, Inquiry Date : XXXX 4. XXXX XXXX, Inquiry Date : XXXX 5. XXXX, Inquiry Date : XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 
Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. 
Furthermore, I also demand you, TransUnion produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I previously sent a dispute letter to the Credit Bureaus and I immediately noticed that the Credit bureaus have done nothing! On XX/XX/2022, I sent a letter to the Credit Bureaus requesting that they remove the items which I believe to be opened due to identity theft, after seeing that there are still fraudulent accounts and information being reported on my Credit File despite the numerous dispute letters and CFPB complaint I have been submitting. I believe I was a victim of Identity theft since the accounts that I have been disputing were not familiar to me neither did I authorized anyone to open these accounts on my behalf. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are expected to remove any accounts and information that resulted due to identity theft within the time allotted by law. It is unforgivable for the Credit Bureaus to be ignoring a consumer 's request to remove the disputed accounts from her Credit File. I am submitting this CFPB complaint to let the Credit Bureaus know that me and my legal counsel is willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with a Federal law causing a consumer to suffer from inaccurate information reporting on my Credit File. I also asked the Credit Bureaus to provide me copies of proof of verification since the Credit Bureaus have been claiming that the disputed items are verified and yet they have sent me nothing. I have reached the peak of my patience and this will be my last CFPB complaint before I will take legal actions against the Credit Bureaus. Once again, I am requesting to the Credit Bureaus to remove the following items in which I believe to be opened fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
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. (NY)

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-13
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: EQUIFAX, INC. (IL)

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$140.00} XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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. (AR)

It has been a battle going through all these and yet the Credit Bureaus have grown negligent of their duty to comply with the Federal statute, Fair Credit Reporting Act. I have been trying to correct my Credit File by asking the Credit Bureaus to remove the negative late payments from my Credit report since these information are misleading and inaccurate. I never missed a single payment and yet the Credit Bureaus are still reporting these accounts as late despite the fact that I never missed not even as single payment. I tried contacting the Creditor and Data furnishers of these accounts and it is only a matter of time before they respond and prove to the Credit Bureaus that the information they report are inaccurate. These indifference of the Credit Bureaus have caused me to suffer from erroneous reporting. I am submitting this CFPB Complaint once again to request to the Credit Bureaus to correct the payment history and remove all negativities from my Credit File. I need the Credit Bureaus to correct the following accounts : 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-10-18
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-20
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. (MD)

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX  out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Consumer complaint received 2023-02-16
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. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (NY)

account number - XXXX name of Bank - " Chime '' transactions in question XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX total : XXXX I Am the consumer, natural person fact ; this bank advertises XXXX fraud liability for the checking accounts it Offers to its consumers, fact ; The transactions were brought to the bank attention 3 separate times, fact ; the " financial instution '' choose to decline the claim that these charges were unauthorized fact ; pursuant to the FDPCA no consumer can incur a debt for personal, family, or household purposes ; fact.

I swear to all the information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (CT)

Approximately 20 days ago, I received a call from a Charles Schwab employee who informed me that my account details had been compromised, and someone from Florida had unauthorized access to my user ID and password. I work as a resident physician and I was in the ICU taking care of patients, So I asked the Charles Schwab employee to lock my account and requested a call back in the evening for guidance on changing my user ID and password. Unfortunately, I did not receive the promised call that evening.

The following day, the same employee contacted me from his personal number and sent me a few one-time passwords ( through the official Charles Schwab number ) to change my user ID. We successfully changed it. However, ten days later, on XX/XX/XXXX, I noticed a {$2.00} charge on my debit card with no accompanying notification. Another incident occurred on XX/XX/XXXX, where {$57.00} was charged by XXXX for a XXXX order placed by someone in XXXX XXXX. Surprisingly, I received no alerts from my bank about these transactions. It wasn't until XX/XX/XXXX, when a {$60.00} charge for an order from XXXX triggered a notification from XXXX, that I discovered the series of fraudulent transactions. 

Immediately, I called XXXX, questioning why I hadn't received notifications for the earlier transactions. They had no answers. XXXX promptly blocked my debit card and offered to issue a new one, which I declined, expressing my intention to sever ties with XXXX. I also requested them to block my online access, having already changed my account user ID. 

On XX/XX/XXXX, when my biweekly paycheck arrived, I asked XXXX to unlock my account so I could transfer funds to my XXXX account for rent payment. Before unlocking, I conducted a comprehensive system scan with my XXXX XXXX to ensure no security threats. After changing my password, XXXX granted access. Unfortunately, within XXXX minutes of unlocking, all my funds were transferred to an unknown XXXX account through nine different transactions, totaling {$2500.00}. Astonishingly, I only received a notification from XXXX about the ninth transaction, indicating a {$150.00} transfer. 

Frantically, I contacted XXXX again, informing them of the {$150.00} and only later discovering the {$2500.00} theft. When I questioned XXXX about the lack of timely transaction notifications, they had no satisfactory answers. Their response was that the investigator team had been notified, and a resolution could take up to 90 days. 

As a resident physician living paycheck to paycheck, I emphasized the urgency of my situation, especially with rent due on XX/XX/XXXX. However, XXXX 's response was disheartening, stating they had no control over the investigator team 's timeline. Managing my bills with a {$2500.00} loss on a $ XXXX  monthly income has become an immense challenge. I dont know how are they expecting me to manage my bills.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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. 
DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ 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 2023-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (SC)

CEASE AND DESIST YOU ARE VIOLATING MY RIGHTS!! I, the consumer, have noticed that there is abundant evidence that Navy Federal has been using deceptive and unfair debt collection practices in an attempt to collect an alleged debt from me. Pursuant to 15 USC 1692c Navy Federal has been communicating to other persons in connection with the collection of an alleged debt. Pursuant to 15 USC 1692d Navy Federal has been oppressing, harming my creditworthiness and reputation by coercing me to pay an alleged debt that has not been validated. Pursuant to 15 USC 1692c ( c ) I, the consumer is notifying Navy Federal, debt collector, in writing to cease communication with me and anyone in my household including family, friends, financial institutions, credit reporting agencies, third parties or indirectly of any alleged debt you are attempting to collect and only communicate through the cfpb i am invoking and demanding my remedies as the following Report account in good standing Zero out the alleged debt balance All demands are to be made upon receipt
Consumer complaint received 2022-10-18
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 


XXXX  XXXX bankruptcy Filed on XX/XX/2017 Reference number : XXXX
Consumer complaint received 2022-10-18
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

I mailed a check priority mail to XXXX XXXX XXXX XXXX Texas. It was placed in the wrong post office box XXXX XXXX XXXX TX Wells Fargo deposited the check into their account. It was written for {$6000.00} but I inadvertently wrote the numerical amount for {$6900.00}. It was written XX/XX/XXXX and cleared my bank for {$6000.00} on XX/XX/XXXX. I filed a fraud claim XX/XX/XXXX with my bank XXXX, XXXX XXXX, VA. Nothing has been done. My son went into Wells Fargo in California and was told by the branch manager that it is in an actual Wells Fargo owned account. On XX/XX/XXXX I spoke with XXXX with Wells Fargo Customer Advocacy she took my complaint XXXX. My case manager is XXXX XXXX. I was able to speak with him on XX/XX/XXXX and he listened. He said he would call me on XX/XX/XXXX. I called him on XX/XX/XXXX he told me that it is a Wells Fargo account and it is noted that the deposit is in error. He said he would call me back. He has not. I called and it rings once then nothing. I am not getting my money returned or any answers. I have since paid XXXX XXXX in full. I need Wells Fargo to return my money.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-09-05
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. (NY)

This was my 3rd submission of complaint through CFPB, and today this complaint was directed towards XXXX and TransUnion Credit Bureaus. As when I recently updated my 3 Credit Reports I found that the XXXX XXXX had wonderfully removed all the stated items that I requested them to remove. And today I only have some remaining issues in my XXXX and TransUnion XXXX XXXX. So, I am once more respectfully asking XXXX and TransUnion Credit Bureaus to please remove these remaining items that I listed in these complaint : XXXX : XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} TRANSUNION : XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX