davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (PA)

I joined XXXX XXXX. After the 30 days I physically in person made the decision of not keeping it. But without my knowing, I do not keeps tabs on my statements due to alot of different transactions. I'm just conscience having money in my account. So. Then I was charged XX/XX/XXXX {$59.00}, again on XX/XX/XXXX {$38.00} again {$59.00}, on XX/XX/XXXX THEN, charges stopped from XXXX XXXX and now money was being taken out for XXXX XXXX, which I've never ever had any sort of communication with. So started XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$22.00} XXXX/XXXX/XXXX {$39.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} Then I saw I had a debt on my credit when I got a new debit card and saw all of this. I NEVER authorized it. I called they said they don't have any records because it was prior owner, so that owner still owns the XXXX branch, when I asked them, they said they have no access. So seems to me when XXXX XXXX closed, my info was sold to XXXX XXXX. Nobody will answer me I get they'll call you back, never do. Now I have this high impact on my credit! Please help me fix these fraudulent charges. I've been told they've done this to many people and not to expect any help. Please help me, I'm trying so hard to build credit
Consumer complaint received 2022-04-19
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. (MO)

In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protection consumer rights to privacy and confidentiality under 15U.S.C .1681 ... the accounts below has violated my rights. 15 U.S.C. section 602a state i have the right to privacy ... ..15 U.S.C 1681 1681c ( a ) ( 5 ) Section states : NO consumer reporting containing any of the following items of information any other adverse item of information, other than records of CONVICTIONS of crimes which antedates the reporter by more than 7 years. 15 U.S.C. 16811s-2 ( A ) ( 1 ) CHLD SUPRT XXXX XXXX XXXX CO XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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. (TX)

I got a fraud alert XXXX XXXXXXXX XX/XX/2022 from my bank. It seems as though someone tried to open a credit card account with XXXX XXXX bank using my social security number. 
I am in the process of notifying all XXXX credit agencies ( XXXX, Equifax, & XXXX ) to put a freeze on my account so that the XXXX can not be used until further notice.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America XXXX XXXX Lost my fathers original death certificate on XX/XX/23 and then had to go to probate due to a computer error on their side as they forgot to check beneficiary in addition to co signer in account. Finally got probate decree and refuse to accept it and now says there is a deceased hold on account due to inactivity ( my father passed XX/XX/23 ) so it needs a full investigation and to make sure decree is valid and they refuse to close and disburse funds
Consumer complaint received 2022-04-19
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. (FL)

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. 
XXXX Account XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-19
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-04-19
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. (WA)

Transunion have broken the law by not responding to me. Transunion received my letter I have provided proof of tracking. They verified my account against law of usc 15 1609 FDCPA. Be advised this is 3rd and final written attempt warning that I intend to filed litigation in accordance with FCRA TO ENFORCE my rights, seek relief and recover all monetary damage that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite 2 written requests, the unverified items listed below still remaining on my credit report in complete violation of federal law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In result of your first investigation, and subsequent reinvestigation, you mentioned in writing that you verified that these items are being reported correctly? I would like to know who verified these accounts? Transunion did not provide me a copy of any original documentation with ( consumer contract with my signature signed on it ) as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( a ). You have failed to provide the method of verification as required under section 612 ( a ) ( 7 ). Be advised that under 611 ( 5 ) ( a ) of the FCRA you are required to promptly delete all information which can not be verified. The following accounts should be paid on time and open not closed XXXX XXXX, current account should be reporting paid on time XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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. (MI)

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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-11
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. (IN)

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately.
Consumer complaint received 2022-04-19
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-19
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. (FL)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00} XXXX XXXXI ( Original creditor : XXXX XXXX  XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4000.00}
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

On XX/XX/2023, I called my bank to attempt a stop payment on XXXX new Zelle transactions. Unfortunately, I was a victim of scam while trying to purchase concert tickets, which resulted in a total loss of {$600.00}. Since this was my first time being scammed, I was not as educated as I am now on the tactics imposters use to pursue their victims. Even after providing screenshots of all events that took place, XXXX determined it was on me to resolve the issue with the receiving party. The problem is the person was a stranger that I met on a social media platform and they deleted their account shortly after funds were sent. 

Although I reported the matter immediately, XXXX was very slow to respond. During a re-review, a phone representative submitted the wrong details about the transactions I was disputing ; this scam involved multiple Zelle recipients/IDs and XXXX of the XXXX transactions I was disputing was not properly submitted for review. This was frustrating for me because I spent so much time on the phone providing exact details and waited days for the banks decision just to find out the phone representative did not take the time to gather the correct information. This resulted in a delay in me receiving the document I actually needed and I still have not received the document for the correct transaction. This information is useful because it provides an in depth description of payment details and activity for each transaction. 

Ive always considered Zelle to be a safe and easy way to send money, especially since I access using my XXXX mobile app. During this payment scenario, I was not alerted with any prominent, overt language nor attention-grabbing tittles warning me that this could be a scam. I do recall the standardized scam education page that users see just before sending money, but honestly since Ive always used Zelle for legitimate purposes, I thought nothing of it. When the scammer instructed me to send money to recipient XXXX XXXX, token XXXX, I received the following message from XXXX : Were concerned about this payment. It has been declined. What was different about this recipient ID that XXXX was able to better detect the scam than the other recipients where I was able to successfully send funds to? What can be done to allow XXXX to detect all scams and not just some?
Consumer complaint received 2022-11-07
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. (TX)

THERE ARE ALOT OF FRAUDULENT INQUIRIES IN MY CREDIT REPORT. I HAVE REPORTED IT TO THE BUREAUS BUT I DID NOT RECEIVE ANY RESPONSE.
Consumer complaint received 2022-04-19
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. (CA)

It has been a battle going through this and I am writing to delete the fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete this item as soon as possible. XXXX XXXX Opened Date XXXX XXXX, XXXX  Balance {$3300.00}.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm writing to ask for the removal of late dates and update the status of the account to open/never late on disputed item from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1800.00}. Please update immediately.
Consumer complaint received 2022-04-19
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. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Date Opened XXXX XXXX Balance {$4600.00}, XXXX XXXX XXXX  XXXX XXXX Opened Date XXXX XXXX, XXXX Balance : {$13000.00}, XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$3300.00}.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # 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 state a consumer reporting agency can not furnish an account without my written instructions. i did not give them written instruction. 

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 items of information other than records of convictions or crimes wich 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 2022-11-07
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Hard Credit Inquiry Removal Request Dear Transunion : I am writing to request several credit inquiries that were unauthorized be removed from my credit report. I received a copy of my credit report and became aware of several nquiries that I did not authorize. They are as follows : XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Each company above that does not have an account should be removed as soon as possible. 

In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed. 

Thank you for your consideration in this matter. Should you need to contact me, my email address is XXXX and my telephone number is XXXX. 

Sincerely, Signature XXXX XXXX Enclosed is proof of identity theft Irs letter from XXXX DO NOT PLACE FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT!
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (TX)

I have numerous inquiries on my credit report that I do not recognize and have not authorized these companies to pull my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  see XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX  XXXX XX/XX/2021 I have written XXXX, XXXX, and Experian numerous time to have them remove and they have not done so. They are violating my rights as a consumer by promoting identity fraud and in accordance with the Fair Credit Reporting Act, has violated my federally protected consumer rights to privacy. 
15 U.S.C 1681 Section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions and I have not done so.