davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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. (MD)

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : US Dept of Education Debt ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified account )
Consumer complaint received 2023-07-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (CA)

I have purchased a merchandise using installment load by affirm. The order has never came through and after a week or so I had to cancel the order with merchant. But Affirm charged me a down payment. When I came back to Affirm telling that I cancel the order because the merdant never received it and sent all proofs from merchant, Affim has never refund my down payment. I called and texted XXXX times and each time they told me that they escalate the case. I had to resolve the issue by disputing it with my credit card but I want to report Affirm fraudulent behavior
Consumer complaint received 2023-03-04
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 AcXXXX XXXX XXXX XXXXXXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Requested XXXX XXXX to opt out from reporting to credit bureaus Per the FCRA as a federally protected consumer. 16 CFR 313.10 XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX, AZ XXXX Attached Opt out notice below
Consumer complaint received 2023-07-09
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: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I hope this letter finds you well. I am writing to bring to your attention a significant error in my credit report that requires immediate attention and resolution. Upon reviewing my credit report, I have discovered a collection account listed under the name of Fair Collections & Out, with the original creditor being XXXX XXXX XXXX, in the amount of {$21000.00}. I must assert that I am not responsible for this debt. I would like to emphasize that this collection account is a direct result of identity theft, as duly documented in the attached police report. This incident has caused substantial distress and inconvenience in my financial affairs. As per my previous communication with your company, this serves as my second notice regarding the matter. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that accurate and up-to-date information is maintained in credit reports. As a responsible consumer, I am fully aware of my rights and responsibilities in ensuring the accuracy and integrity of my credit history. In light of the aforementioned information, I kindly request that XXXX undertakes the following actions promptly : 1. Conduct a thorough investigation into the validity of the aforementioned collection account, considering the documented evidence of identity theft enclosed with this letter. 2. Temporarily remove the disputed collection account from my credit report during the investigation period, in compliance with the FCRA guidelines. 3. Provide me with written updates on the progress and outcome of the investigation within the legally mandated time frame of 30 days. 4. Correct any inaccuracies found on my credit report resulting from this erroneous collection account, once the investigation concludes in my favor. I firmly believe that the FCRA requires XXXX to act diligently in investigating and resolving this dispute. I trust that your organization will handle this matter with the utmost professionalism and adhere to the regulations set forth by the FCRA. Please acknowledge the receipt of this letter within 15 days of its delivery. I appreciate your prompt attention to this issue and look forward to a swift resolution. Should you require any further documentation or information, please do not hesitate to contact me at the provided contact details. Ive attached the identity theft police report for your documentation purpose. Thank you for your immediate attention to this matter.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CO)

I was charged by Best Buy for Enhanced Debt Protection, which I never agreed to sign up for. Since XX/XX/2018, I have been charged a grand total of {$240.00}. Attached are the statements which show this charge.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (NY)

My Synchrony Bank savings account has been restricted by the bank for one month. I have called multiple times and the bank has not helped me with the problem. It keeps saying the bank is reviewing my account. I don't think there is anything wrong with my account at all. Please help me to tell the bank to solve my account problem as soon as possible
Consumer complaint received 2023-03-04
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 XXXX XXXX XXXX XXXX. account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (GA)

All my personal accounts was closed after more than 20 years with well Fargo. 
The reason they gave me is that I was using my personal accounts for business money services. So they closed all my accounts without notice and put all the remaining balance on hold. Usually when a bank closed an account they send a check with remaining balance. This wasn't the case my money from personal account is on hold since XXXX. 
Everytime I go to a branch, banker oriented me to loss and prevention. Very frustrating situation. 
I contacted a lawyer about the situation, he advised me to file a claim with CFPB first to see if the bank can resolve this situation without further legal escalation. 
We are allowed to cash check since we are a branch of XXXX XXXX XXXX. 
Attached is the license from XXXX XXXX XXXX XXXX XXXXXXXX. 
Ga license # XXXX NMLS # XXXX
Consumer complaint received 2022-10-21
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. (NC)

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified the accounts? How did they verify? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my name on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

* Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-07-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NV)

Midland Credit has repeatedly stated for the past XXXX years that they were trying to collect a debt on behalf of XXXX They also have done the same thing for an account previously owned by XXXX XXXX... 

This is not only NOT true, But a Lie... They said on multiple occasions that the Creditor would not approve my offer to settle for less than what is owed. I explained my hardship over and over. 

I am also in the state of Nevada, the statute of limitations to collect credit card debt is XXXX years. That starts from when the XXXX payment was missed which was before XXXX XXXX XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Account # XXXX opened- XX/XX/2023 amount-XXXX XXXX I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XX/XX/XXXX is when I first started driving up to Colorado, there were fraudulent atm withdrawals made on my card with my PIN number amounting to a total of {$540.00} claim was made on XX/XX/XXXX claim ID number is # XXXX the bank is insisting that the charges were made by me as I am the only one who knows my PIN number, however I have never been to the two restaurants that was explained to me by the fraud department. I had told them everything I knew about the situation and this is not the first time my account information had been hacked, if you look in the past fraud history my card has been targeted more than seven times. The bank has now denied the claim and states that If Im not able to provide any more information on who might have my pin then the claim will stay denied. When speaking with XXXX, one of the fraud reps from Bank of America he told me that card skimmers are not able to extract my PIN number, however upon further research they are able to make complete copies of your card with your PIN number, all information being obtained from a card skimmer. On the way to CO I had to spend roughly {$1500.00} in diesel fuel, so my card was used multiple times at different gas stations across the country, XX/XX/10 times when my card information was stolen/hacked in Florida was from a gas pump card skimmer, I have pulled them off the gas pump myself just checking them before, this countrys day and age of an honest dollar has been washed down the sink, we are in a dog eat dog world, technology is advancing quicker than we can snap our fingers. I should not be paying for bank of americas poor security measures in protecting there clients and everyday consumers.
Consumer complaint received 2023-06-13
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. (SC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Velocity Portfolio Group (DE)

On XX/XX/2023 I received a letter in the mail stating I owe a debt from Law offices Of XXXX XXXX stating they are a debt collector the debt is XXXX. In which I have never gave consent to authorize to have my personal information according to the GRAMM-LEACH-BILEY ACT 15 USC 6801 i have protection of non public personal information. According to this law this company is in violation of my consumer rights I am asking this debt be deleted and a cease and desist.

I am asking this company get correspondence from credit bureaus to get this matter handled
Consumer complaint received 2023-03-04
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. (FL)

My identity was compromised and XXXX XXXX, XXXXXXXX XXXX ran my credit that now has me with inquiry that I would like to have removed ASAP. I reached out to all companies. XXXX XXXX, XXXX, credit bureau, Trans Union credit bureau. My credit was pull on XX/XX/2023. 
From the institution of XXXX XXXX, XXXXXXXX XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am compelled to write to you regarding an urgent and distressing matter involving my credit account with XXXXXXXX XXXX XXXX  XXXX, which was discharged through XXXX  XXXX bankruptcy XX/XX/2023. It has come to my attention that XXXX XXXX XXXX with XXXX XXXX XXXX XXXX located in XXXX, Ga has been engaging in unauthorized and fraudulent activities by updating this closed account included in my XXXX XXXX  as an open balance account on my credit report. These updates have occurred on a nearly monthly basis since the accounts legal closure, directly contravening federal laws and the terms of the bankruptcy discharge.Hes been financially bullying and Ive just realized the negative impact its had on my account Hes a big issue and a horrible banker in this community and I do not appreciate the crooked behavior of this banker.
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (GA)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
Consumer complaint received 2023-03-04
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 XXXX XXXX XXXX XXXX # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I never received a XXXX form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2023-05-23
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
The following accounts are not mine, Transuinion is reporting 2 different social security numbers, been trying for a year calling them and they do nothing. 
XXXX  XXXX XXXX {$5900.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$6700.00} XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} XXXX XXXX XXXX {$630.00} XXXX XXXX  XXXX {$310.00} XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX OF XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX {$300000.00} XX/XX/2019 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-04
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. (GA)

I have unknown inquires on my credit report that I don't recognize. I'm a potential candidate for fraud and ID thief please remove the following inquires listed below. 

XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX this XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this