davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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: United Revenue Corporation (TX)

This company is claiming that I owe a debt, but I have never had a relationship with UNITED REVENUE CORP . They are illegally reporting XXXX incorrect accounts to XXXX, and this is affecting me tremendously. I sent the first letter on XX/XX/22, and the second letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that both XXXX and UNITED REVENUE CORP received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. This is violating so many FCRA and FDCPA requirements. Also, both XXXX and United Revenue Corp are in violation of HIPAA. I never gave consent to the original creditor to share any medical information. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove these accounts immediately.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (SC)

3 WEEKS AGO WAS SENT A LETTER FROM WELLS FARGO THAT THEY WERE CLOSING MY ACCOUNT. WENT TO WELLS FARGO BANK AND THEY TOLD ME THERE WHERE NO PROBLEMS WITH MY ACCOUNT AND COULD NOT GIVE ME ANY REASON. THEY SAID MY ACCOUNT WAS PERFECT BEEN WITH THEM XXXX. NOW I CAN NOT RECIEVE MY XXXX XXXX XXXX XXXXXXXX CHECK I AM XXXX XXXX XXXX AND MY HUSBAND IS DEAD. THIS HAS ABOUT XXXX  ME FROM DISTRESS. HOW COULD THIS HAPPEN AND WHY. 
IS THIS THE WAY WELLS FARGO TREATS XXXX AMERICAN SERVICE VETERAN FAMILIES ... ... .THIS IS A DISGRACE PUTTING ME IN THIS MESS THEY NEED TO BE HELD ACCONTABLE FOR DOING THIS TO ME FOR NO REASON I HAVE A PERFECT BANK ACCOUNT SINCE XXXX  NOW I AM IN A MESS BECAUSE WELLS FARGO DID THIS TO ME...... .SHAMEFUL I AM NOT THE ONLY ONE THEY HAVE DID THIS TO THEY ARE UNDER INVESTIGATION BY FBI FOR XXXX XXXX XXXX FAKE ACCOUNTS IN CUSTOMERS NAMES AND FINED XXXX XXXX DOLLARS FOR UNLAWFUL BANKING PRACTICES WANT WELLS FARGO TO PAY ME MY XXXX XXXX CHECK I CAN NOT GET NOW I HAVE LITTLE MONEY TO GET BY I WILL NOT MAKE IT THROUGH THIS AT XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX Sunrise Credit Services , Inc . 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Dispute of Fraudulent Credit Account/Charge To Whom It May Concern, I am writing to formally dispute an item on my credit report that I believe to be fraudulent. The account in question is listed with your agency under the following information : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Amount : XXXX I have never opened this account and believe it to be a case of identity theft. The presence of this account on my credit report is damaging and incorrect. 

LAW FRCA Section 605B - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. 

I have file with the federal trade commission regarding this matter with the reference number XXXX Please remove immediately Thank You
Consumer complaint received 2024-03-29
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. (NC)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION and ACCOUNTS REPORTING NOT CORRECT : EQUIFAX : 1. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Employers : XXXX XXXX 3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2023-03-03
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. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2020-08-03
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: Credit Plus Inc (NY)

On XX/XX/2020 XXXX XXXX pulled my credit report without my consent. When I contacted them, they stated it was incorrect pull and they would rectify the situation. Today, XX/XX/2020 I received a letter stating XXXX XXXX XXXX ran my credit from an old CLOSED account.
Consumer complaint received 2024-03-29
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. (UT)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-01-06
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. (PA)

I will like to first inform you I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising rights and applying the federal laws put in place to protect me the consumer. This is a response to the claim # XXXX XXXX has XXXX their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. The following XXXX in the resolution section have committed XXXX XXXX on my consumer report, which violates the FCRA & FDCPA. XXXX XXXX XXXX is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C.1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * XXXX XXXX * Evidence that you are a licensed debt collector *XXXX XXXX XXXX XXXX that you are license debt collector to collect in my state. * A requested copy of your XXXX Department XXXX XXXX and XXXX XXXX. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. XXXX response they stated XXXX has modified which mean the failed to comply with the FCRA under 15 USC 1681e ( b ) ensuring maximum possible accuracy when preparing my consumer report causing damage to my financial reputation. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have these trade lines deleted from my consumer report.
Consumer complaint received 2022-11-20
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. (PA)

I Have Inaccurate Information on my credit Report, My Credit report Shows that i have 3 Different addresses. I've Never Lived at those Addresses Listed the only Address that i Lived at is XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. I need those other addresses Removed immediately, I never gave them Permission to report any of those addresses. 
I also Have found multiple errors on my Consumer Report that are Listed below XXXX XXXX ACCT XXXX XXXX BALANCE : {$46.00} THIS ACCOUNT WAS NEVER LATE XXXX XXXX  XXXX XXXX ACCT : XXXX XXXX : {$9700.00} Remove this Account Immediately XXXX ACCT : XXXX XXXX Remove This Account Immediately XXXX XXXX  ACCT : XXXX balance : {$650.00} Remove this account Immediately 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
Consumer complaint received 2022-11-20
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. (PA)

I Have Inaccurate Information on my credit Report, My Credit report Shows that i have 3 Different addresses. I've Never Lived at those Addresses Listed the only Address that i Lived at is XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. I need those other addresses Removed immediately, I never gave them Permission to report any of those addresses. 
I also Have found multiple errors on my Consumer Report that are Listed below XXXX XXXX ACCT XXXX XXXX BALANCE : {$46.00} THIS ACCOUNT WAS NEVER LATE XXXX XXXX  XXXX XXXX ACCT : XXXX XXXX : {$9700.00} Remove this Account Immediately XXXX ACCT : XXXX XXXX Remove This Account Immediately XXXX XXXX ACCT : XXXX balance : {$650.00} Remove this account Immediately 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Consumer complaint received 2023-06-15
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. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (UT)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-06-11
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. (AR)

I Have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXXXXXX {$4200.00}
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am invoking my right to dispute and investigate the wrongful accounts listed on my credit report. Per the Fair Credit Report Act, I should be compensated {$1000.00} for each mistake. FCRA 605B requires us to address any inaccuracies on a consumers credit report.
Consumer complaint received 2021-01-08
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a check from my employer on XXXX to Bank Of America at a local branch. I have deposited checks like this many times before, and at least once on this new account. When I deposited the check the employee at the window said my funds would be available on XXXX. 
I learned that night that a hold had been place on the check. As I was in a serious financial crisis I made plans to go back. Per the e-mail from BOA and the information on from the app on my phone, I was to receive a notice with the reason and information as to when the funds would be available. 
I went back to the branch on XXXX and spoke to a floor representative/person. She informed me that her research found the reason for the hold to be confidential. So no reason for the hold there. I called customer service from the branch 's phone. After the first 12 minute wait I got a person in Texas only to lose her after 2 minutes. A second call was made with an 11 minute hold and was dropped again. The third attempt resulted in a person from New Mexico ( if I recall correctly ). She said the bank put the hold on the funds to verify the source of the funds and payment. She then said the bank would honor the deposit on XXXX. 
I thought this reason was incomplete. The employer 's check was a government agency and I had made a deposit from this employer many times before. After further research she said the deposit would not be honored until XXXX. I asked to speak to a supervisor. 
The supervisor said that holds were done on a case by case basis. But she did not supply a reason for my " case '' being chosen. She said the wold was by ACH and the federal government. I pointed out that ACH is not a gov't agency. Again I said this is not a reason for my " case '' being chosen and wanted that information. I pointed out I had been XXXX different dates for the deposit to be honored by BOA employees. I also pointed out that their own response to me was that a reason would be given. But no reason as to why my case was chosen was provided. At least not one I though was reasonable or logical. Does case by case basis mean random to BOA? 
My preliminary research indicates that at least {$200.00} of the funds were supposed to be made available but so far that has not been done. I received no information that it would occur. 
This isn't just inconvenient, it is life threatening. I need to get my insulin and other meds. Can someone help.
Consumer complaint received 2023-08-31
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: U.S. BANCORP (NY)

I am writing to bring to your attention a matter that requires urgent resolution. My aim in reaching out is to ensure compliance with the Federal Credit Reporting Act, specifically 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). 

I have initiated contact with U.S. Bank regarding the negative late payment that has been reported on my consumer credit report. This interaction is in line with the provisions set forth in 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). I've engaged with U.S. Bank on two separate occasions, with tracking numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, in an effort to address this discrepancy. 

Furthermore, I have diligently notified XXXX, XXXX, and XXXX about the inaccuracies in reporting. Multiple notices have been sent to each of these parties in an attempt to rectify the situation and ensure the integrity of my credit report. Subsequently, I had the opportunity to speak with a representative from XXXX 's fraud department, conveying the urgency and importance of this matter. During the course of our conversation, I spoke with a manager named XXXX and reiterated the issue at hand. However, this conversation took an unexpected turn when XXXX abruptly ended our call, causing unnecessary delays and inconveniences. 

I am submitting this report in good faith, with the primary intention of ensuring that all Creditors and Furnishers of Information adhere to the stipulations of the Federal Credit Reporting Act. Accuracy and compliance are essential to maintaining the credibility and reliability of consumer credit reports. 

I kindly request your assistance in expediting the resolution of this matter. I believe that by working collaboratively, we can ensure that accurate and lawful information is being reported. Should you require any additional information from my end, please do not hesitate to reach out to me. 

Thank you for your prompt attention to this issue. I look forward to a swift resolution that aligns with the provisions of the Federal Credit Reporting Act.