davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (WA)

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. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'd like the account removed from my file ASAP : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-12-30
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. (GA)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  Balance : {$24000.00} ; XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Monterey Financial Services LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oaks Ca XXXX XXXX Customer Care XXXX XXXX XXXX XXXX, TX XXXX I am writing this letter regarding the negative report I have received from the Monterey Collection agency. This agency works for the XXXX XXXX XXXX a timeshare located in XXXX XXXX. We purchased a newly built unit in XXXX XXXX XXXX. We were told the presentation only takes XXXX minutes and we have no obligation to buy. this most harassing presentation finally forced us to sign the papers that trap us in a commitment that we never really desired. They talk about immediate booking anytime we desire, helping us to rent our other timeshares that never happened, long process of booking our timeshare and sometimes we even couldn't do that. We paid {$5000.00}. It was early 2003 or so. When we bought the week every other year we thought when we went to XXXX that was the unit we would get. Every time we went we got a different older section and we were unhappy. We complained to XXXX XXXX XXXX but nothing changed. We had paid off the unit and got tired of paying fees every other year when they did not give us the unit we purchased. At a time when we could not afford to pay and financially we were practically broke. However, at a time when we could not afford to pay and financially we were practically broke. I decided to resolve this matter peacefully after our case has already been passed to Monterey Collection Agency and talked to one of their agents. In talking to this agent -Tessa- XXXX put my condition to resolve the issue to pay one time the disputed amount of {$1000.00} if they help me to relinquish the timeshare. We ask them to reach us from paying anymore and let us sign the owner transfer form. We kept trying to get that form but they refused to let us out even after we paid it off. This was unfair and unjust as were sold one thing and given another. This was a lease after 25 years it's gone with no ownership. I am strongly disputing this matter and I want the bureau fairly consider this report that unjustly affects my credit.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2022-12-30
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. (WI)

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-12-31
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020 I decided to purchase a trampoline on XXXX for my kids. After purchasing it I realized that I no longer needed a trampoline because my kids did not want it. So I called XXXX to cancel it the next day ( XX/XX/XXXX ). XXXX said that they would cancel my order. I got an email from XXXX the same day confirming that the order got canceled. I thought that the order got canceled because I didn't get any updates about the item until a month later ( XX/XX/XXXX ) when it got delivered to my house. When I got the item I called XXXX because I was confused about why it got shipped to my home when I canceled it. They said they would investigate it and get back to me. I called XXXX 3 days in a row after that to ask for any updates. But I heard nothing back from them. I even email the seller myself to see if he could give me a label to ship it back but I heard no response. After that, I called my bank ( Bank Of America ) and opened a dispute because the charge was still on my credit card. After providing all the documents the bank asked for ( emails, purchases, and phone calls, etc ... ) the Agent Manager guaranteed that I would get my money back. After not hearing from them for almost three weeks, I called them back. They told me that my case looks strong and that I have enough proof that I want to return it and the XXXX seller did not provide me with any way to ship it back to them. My bank promised me that this case would be resolved on my behalf before the new year. Last week on XX/XX/2020, I received a letter from my bank saying that my claim was declined. On the next day, I called them and spoke to the dispute manager she claimed that they could do nothing because XXXX refused to give my money back. According to her XXXX claims that I never asked for the order to be canceled. Which Is a lie because I have proof that XXXX canceled my order. ( I will attach it as proof. ) She also claimed that XXXX has a money-back guarantee. I tried to do that but XXXX banned the seller so his profile is not avalibe meaning that I could do nothing with my order, and they never gave me the option for the money-back guarantee. This was an ongoing problem for about four months. I lost my job due to covid and I can't afford to pay the amount for the trampoline that I canceled the order before it was shipped. Could you guys please help me with this. Thank you so much.
Consumer complaint received 2023-06-01
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. (MN)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block 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 relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX Balance Owed : {$900.00} ; XXXX XXXX BalanceOwed : {$980.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX Balance Owed : {$6700.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-12-30
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. (FL)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (TX)

Im just a normal XXXX  who were looking part time because my bills are getting higher and I have not enough hours in my full time job. So i looked and was hired for a job online. 

XX/XX/XXXX between XXXX to XXXX I received a check from XXXX that check was for the fund for the equipment I need to buy for my new Job. I was hired only as administrative assistant they want me to buy software same with the company, computer, printer, scanner, time tracker and more. The amount I deposited was somwhere around {$4900.00}. When I deposit that check that night in Wells Fargo ATM Machine intersect XXXX  and XXXX XXXX. Out of that amount there was an available amount of somewhere around {$400.00}. It is not pending it is showed as available amount the rest of the check amount was still pending for over {$4500.00}. It was processed over night and was AVAILABLE to use not PENDING on XX/XX/2020 XXXX. 

Since that check is not really for me but the equipment the person who hired me asked me to download app for bitcoin. Purchased bitcoin and send it to someone. 1st day I had purchased {$1900.00} it was under pending transaction on my bank statement. Next the employer asked me to send money through XXXX for the software that i need to purchase for {$500.00} it was send to XXXX XXXX. The next day we did the same thing amounting {$1800.00} for the bitcoin and {$500.00} for the same person. This is on XX/XX/XXXX. That day my employer Mr. XXXX XXXX  told me they are going to send more check because that checked he provided me was nit enough to cover the software payment that i need to purchase. He told me he is going to send me money on the coming monday along with my weekly paycheck. As around XXXX or XXXX XXXX  of XX/XX/XXXX I received a notice that the check that they allowed to put as available on my bank statement was overturned. The wells fargo can not accept it. And they are going to give it back to me. My account was over draft of $ XXXX because of all the transaction I made when i had that fund in my bank. 
I called wells fargo that very moment to report a fraud because the person who hired and give me the check blocked me when i informed him that my bank overturned the check. I asked them to dispute all the transactions ASAP because the charges of {$1900.00}, {$1800.00} and 2 of {$500.00} was still on pending status on my bank statement. 

Later after holidays and weekend the bank closed the case and told me they cant help.me and they cant dispute the charges so Im forced to pay for it even though I dont have anything left and Im not earning much. 

At first I have not think of scam or anything maybe if the check didnt go through in the first place I wouldnt gotten this much trouble. Im no expert about checking the legality of a check but I know whats the difference between pending amount and available amount to use in my bank account.
Consumer complaint received 2023-06-01
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)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2023 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I found a house on the mobile app XXXX ( account number : XXXX ) and wanted to rent it on XXXX XXXX, 2020. Then I clicked the buttons " Request to apply '' and " Contact property ''. A person named XXXX XXXX contacted me and led me leave my email address. I did it and left my email address : XXXX. Then a person named XXXX XXXX XXXX email address : XXXX ) contacted me on XXXX XXXX, 2020, and led me answer a rent questionnaire. I did the questionnaire on XXXX XXXX, 2020. Then he asked me more questions, and I answered. On XXXX XXXX, 2020, he emailed me and told me that he decided to rent the house to me and emailed me a lease agreement, but he is in New Jersey, and I am in California, so I have to pay the deposit, {$2100.00} first, then he will mail me the keys and documents, and I can go to the house and take a tour. I did not reply immediately, so he texted me. His telephone number is XXXX, and my telephone number is XXXX. He told me once he receive the deposit, he will mail the keys and documents out. Then I used my husband, XXXX XXXX XXXX XXXX  XXXX XXXX account to send {$1100.00} to the XXXX account that XXXX XXXX provided to me on XXXX XXXX, 2020. He said this is his wife, XXXX 's account, account number is : XXXX. Because our account did not have enough money, so on XXXX XXXX, 2020 morning, I sent the remaining payment, {$1000.00} to the same XXXX account. In the afternoon, he texted me a XXXX  shipment label. The name on the label is XXXX XXXX, address is : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and the telephone number on the label is XXXX. But the tracking information has never been updated, so I contacted him on XXXX XXXX, 2020. He said the package has been picked up that morning. Then I wait until today, XXXX XXXX, 2020, and contacted him why the tracking information still no update, but nobody reply me. Then I tried to call him, but it says the number is no longer in services. Then I called the number that is in the shipment label. A female answered the call, and I asked are you XXXX XXXX? She hung up immediately. I tried to call again, but nobody answered. The third time, she blocked me. Then I called XXXX  XXXX XXXX to claim and told them what happened, they gave me a case number : XXXX. ( I have called XXXX  XXXX XXXX on XXXX XXXX, 2020 to claim the transactions because I thought I fell in a scam, but I can still contact XXXX XXXX on that time. On XXXX XXXX, 2020 is the second time I contact the bank to claim, because I can not contact XXXX XXXX anymore, so the case number created on XXXX XXXX, 2020 ) And I also called the XXXX County Sheriff 's Office, and told them what happened. They gave me the case number : XXXX
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (FL)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX