davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions!
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2023-04-13
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. (OH)

THIS IS THE THIRD TIME I have filed a complaint about an account from XXXX XXXX XXXX # XXXX. I request the date of last activity or payment any type of verification never received it. I was told that this account would be delete back in XXXX 2022 by the same company and nothing was updated properly. I request that the account be deleted at once.
Consumer complaint received 2023-10-01
Product: Credit reporting 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. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions!
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridge IT, Inc. (FL)

I had three cd accounts that I paid and full and close but I dont see anything showing that I did it still showing as opened on XXXX XXXX and on XXXX XXXX Can you verified it and update it and send me a updated report for me to confirm
Consumer complaint received 2023-10-01
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. (OH)

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.

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 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had three cd accounts that I paid and full and close but I dont see anything showing that I did it still showing as opened on XXXX XXXX  and on TransUnion. Can you verified it and update it and send me a updated report for me to confirm
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank Of America - Date of Fraud Report XX/XX/XXXX. Attempt to contact Bank of America ten times between XXXX XXXX XX/XX/XXXX. 

I was a platinum honors client member of bank of America since XXXX and maintained a balance of {$200000.00} annually as a platinum honors client. I have always had a wonderful relationship until fraudulent activity XX/XX/XXXX. I have credit card and car loan with bank of America. 
I would ask that you please review all bank statements and police reports. I was able to withdraw my money at the BOA branch due to their review of the case and discussion with Bank of America fraud team. 

I am writing to provide the order of events for my XXXX bank of America accounts which were linked to a fraudulent account. They were able to go to online banking link my XXXX accounts listed below to their fraudulent account. It is shown that the fraudulent account had a starting balance XXXX. They linked accounts- fraud account with XXXX XXXX signature will not be on any of their active accounts with the exception of the withdrawal of my transferred funds. There is no record of signage from me on this account. Please check records. They live in XXXX XXXX California. I live in XXXX Virginia XXXX. They transferred funds Accounts - personal checking - personal savings-constant balance {$200000.00} XXXX. They withdrew funds at casinos. I was not notified XXXX. They transferred between accounts so it wouldnt look suspicious- I have been a platinum honors client and maintained a balance of over {$200000.00} since XXXX. 
I have continued to work with Bank of America for ALL of my bank accounts this includes - Business Banking - Personal Checking - Personal Savings However all of them were compromised and now my claim has been denied. My previous accounts with Bank of America were compromised in XX/XX/XXXX. This caused me to switch my drivers license and open new accounts completely. 

Bank of America has failed to protect my account twice in XXXX. 
This includes the fraudulent activity XX/XX/XXXX and XX/XX/XXXX. I was not notified about either account activity People involved in the investigation XXXX XXXX Detective XXXX XXXX XXXX XXXX : Case # XXXX. 
BOA XXXX Representative XXXX XXXX phone number XXXX inappropriately filed claim BOA Fraud Representative Supervisor XXXX
Consumer complaint received 2024-04-04
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 formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed my XXXX XXXX and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which | would like removed please ) : ( Previous / Incorrect Addresses ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX There should only be one address listed on my report, which is ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see Listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove inaccurate phone numbers as well as listed below : 1. ( XXXX ) XXXX Once you have deleted inaccurate names and addresses from my report, please send me a copy of my updated report. 

Thank you,
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

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 2023-09-30
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX Account Name : XXXX XXXX  Account Number XXXX XXXX XXXXXXXX 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-08
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. (GA)

1 ) Under 15 USC 1681s2it is the responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information, it is a FEDERAL violation. 2 ) XXXX XXXX XXXX  - is unable to validate this account. I have attached the proof from the dispute. XXXX ) XXXX XXXX XXXX - under FDCPA they are required by law to send out notice of this collection. I did not receive a 'warning ' this account will be reported to my credit, which indicates they have returned mail on file-they did not fulfil the requirements per law. 4 ) This inaccurate information has cause me harm to my credit and stress. 5 ) I have filed numerous notices to the CFPB regarding Experian which is refusing to answer my request. They keep saying they need 60 days. It has been beyond 60 days which puts them in violation of ignoring my requests.
Consumer complaint received 2023-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER HOLDINGS USA, INC. (PA)

On XXXX XXXX I can't recall what I spent {$280.00} on. This is my wifes card and it was only viewed by her. It would be nice to find out what I bought. Thank You
Consumer complaint received 2024-04-04
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. (MA)

I sent a letter to the Credit Bureaus requesting to DELETE the disputed Account from my credit report as well as REMOVE the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please update these accounts as soon as possible. XXXX XXXX XXXX Balance : {$98000.00} ; XXXX XXXX Balance : {$340.00} ; XXXXXXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2900.00}.
Consumer complaint received 2023-09-30
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: General Motors Financial Company, Inc. (GA)

this morning i opened the GM app to make a payment of XXXX ( 1 month and still owe one more ) I selected the ACH method of payment on file with GM. Red note said account not acceptable use different ACH account which I added then attempted again with same comment. 
I called GM XXXX  XXXX  department and they said to use debit card. XXXX weeks ago, our bank info through XXXX was hacked so we had to have new debit cards issued which i added to my profile today on GM website. I then made a payment of XXXX immediately on my phone a transaction from XXXX XXXX XXXX XXXX showed a withdrawal of XXXX. I did not error on this. This is on your end. I called GM XXXX department and the supervisor stated there was nothing he could do and that I would have to dispute through my bank. I have been with XXXX XXXX  for XXXX years and then confirmed the investigation could take up to XXXX months. 
I HAVE A MORGAGE DUE XXXXAND CAN NOT PAY IT! and told your department this. Still no resolution telling me there's nothing that can be done. 
The truck is pending sale next week and not only have they taken the one payment but three! Then to top it off it has always taken 3-5 days to process payment. Today I tried to delete the payment and the system said in the middle of up dates. They actually processed the payment same day!! Never has that happens before. I work at XXXX XXXX and I am putting them on blast to every XXXX I know!! They took a payment that was not even due yet! XXXX!!
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (MD)

This is my 9th 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 an 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
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed.I also contacted the banks and they agreed to not report the accounts on my file BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Now tell me, are playing around?! Coz let me inform you that you are NOT COMPLYING with the law. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-23
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. (GA)

This account does not belong to me. I have tried everything that I know to do to get it removed. I have been at my current resident for 8 years and previous residence for 8 years and I have never lived in a apartment.