davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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. (DE)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not 1 of 2 authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I made goodwill gesture to allow the agency to correct the erroneous reporting, and I have maintained a careful record of my communications with the agency and now I am filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office due to the non-compliance of the agency. 

I do not agree with the item listed below which still appears on my credit report, even after a so-called Investigation. I would like this item immediately re- investigated. These inaccuracies are highly injurious to my credit rating. I have been turned down for job opportunities and many purchases due to this inaccurate report. 
The following is inaccurate : Company : XXXX XXXX  Account Number : XXXX REASONS TO INVESTIGATE AND VALIDATE THE ACCOUNT validation of debt not given as requested, Date opened is incorrect, inaccurate payment dates, I DID NOT provide written permission for this account to be reporting to my credit report, Wrong date of last activity noted, Wrong balance listed, wrong payment dates listed .Wrong date of last activity noted, Wrong balance listed, Wrong credit limit amount listed. 
It is my understanding with MY RIGHTS AND federal consumer laws that they will check these items with the creditor who has posted them and provides documented validation of all reported inaccuracies and validates debt. 

I WANT THIS ACCOUNT AND ALL INACCURATE INFORMATION THAT IS NOT VALIDATED AND DOCUMENTS PROVIDED TO ME REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2024-03-19
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. (CA)

I have suffered identity theft and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four Business days pass pursuant to FCRA. Please exercise your grave responsibility to assure that my privacy is respected and honored. Pursuant to title 15 USC 1681 c-2, dene consumer reporting agency is only have the lawful authority to resign, or declined to block under the following conditions. 15 USC 1681c-2 ( c ) ( 3 ) - Signicance of block. For the purpose of the subsection, if a consumer reporting agency, rescinds a block, the presence of information in the le of a consumer prior to the blocking of such information it's not evidence of whether they consume on you, or should have known that the consumer obtain possessions of any good, services, or money as a result of the block. You may be held liable for negligence Pursuant to 15 USC 1681o & 15 USC 1681n
Consumer complaint received 2023-02-09
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

This is my third complaint on the same issue as the company keeps closing the case without responding or solving the matter. The previous complaint numbers are XXXX and XXXX. 

Your global security team ( XXXX XXXX ) gave me false information and is uninterested in resolving the issue. XXXX mentioned your bank talked to XXXX XXXX at the receiving bank to recall the fraudulent wire but such person does not exist in XXXX XXXX XXXX. I asked her to look into the matter further to get me the correct information but she was not willing. I requested her manager ( XXXX XXXX ) to call me back but I have not heard back since XX/XX/26. I still do not have the proof that your bank tried to recall the fraudulent wire with the right entity. Please provide me with 1 ) date and time when the fund was delivered, 2 ) the copy of swift recalls you sent out.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Hi Equifax I previously submitted a complaint on Equifax for reporting information on my business Equifax report. The case was closed. I have emailed Equifax several times about this incorrect information They said they fixed but a week later I see a new issue. 

i run my Equifax report daily through XXXX on XXXX I had a Equifax score of XXXX and XXXX tradelines the report from XXXX has XXXX tradeline and a score of XXXX. XXXX has also informed me my business has myutiple Rquifax IDs meaning mutiple reports are being created. 

Equifax is not doing there job correctly XXXX not sure if they have multiple people hamdlig XXXX issue but this is becoming the norm its not right or fare its stressful its crazy i dont een know what to say but please make Equifax do there job they are XXXX  XXXX  slowly form stress I never get thei sfrom XXXX or XXXX. Its XXXX of they are horrible and shouldnt be paid
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly.

15 U.SC. 1681 section 602 A. States i have the right privacy.

15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in a account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

On XX/XX/2023 I got a report of an account in collections on my credit report. This is a fraudulent account, as I have never owned the associated account or lived at the address associated with the account. I filed a dispute with all major credit reporting agencies ( XXXX, XXXX, XXXX ). I also contacted the collections service on XX/XX/2023. They instructed me to file a police report, which I have done. The incident report number is XXXX and was filed on XX/XX/2023. My dispute was rejected and I was told the information was confirmed even though this is not correct. I also tried to get the collection agency to remove the account from my credit report and they refused.
Consumer complaint received 2023-03-06
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. (CA)

IDENTITY THEFT STATEMENT Identity Theft Report # XXXX Dear : XXXX, Equifax XXXX XXXX This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

XXXX XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXX. INQUIRY : XXXX XXXX XX/XX/2021 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-27
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. (FL)

I am writing to formally request the removal of late payments and inaccuracies associated with my account number XXXX from my credit report. These discrepancies violate the provisions of 15 U.S.C. 1681a, which safeguards my right to privacy and accuracy of information. 


2. XXXX XXXX 3. XXXX XXXX 4 . XXXX 5. 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I trust that XXXX, Experian and XXXX will handle this matter with utmost diligence and adhere to the requirements outlined in 15 U.S.C. 1681a. The accurate representation of my credit history is essential for my financial well-being, and the removal of late payments and inaccuracies is crucial in upholding the integrity of my credit report.

Thank you for your prompt attention to this request. I kindly request a written response confirming the actions taken to address the violations of 15 U.S.C. 1681a within a reasonable timeframe. 

Sincerely,
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (IN)

I received a Chime Bank Visa debit card in the mail XX/XX/2020. The letter indicates I also have an account number with routing number ( I assume this is some type of checking or savings account that is related to the debit card ). I did not request this card or account - in fact I had never heard of Chime Bank before this card arrived in my mail. 

I have tried to call them at the only phone number they list ( XXXX ) but their automated phone system never goes to a human to discuss this issue. 

I tried emailing their generic XXXX email but their agents repeatedly request me to send my PII over email. They are asking for photos of my driver license, photos of me holding the card etc .... I refuse to do this as this is a huge security risk. I continually ask them for phone number to their Fraud Department Manager and they will not supply any phone numbers to discuss this issue.
Consumer complaint received 2023-03-06
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. (MD)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
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 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Went to the XXXX XXXX In XXXX on XX/XX/2024. There was a {$150.00} damage deposit paid. My card was only authorized for this use. The {$150.00} never was returned even after we checked out hotel. Then there was an additional {$94.00} charged then and additional {$57.00}. When I tried to dispute the charges Huntington claimed the {$150.00} charge never happened. The general manager sent a receipt showing that the charge did happen .even after sending this in Huntington refused to return money. They changed my statements multiple times to cover up and wouldnt let me report this as fraud. Huntington refused to close my account as well.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (CO)

I humbly ask that under the new law passed XX/XX/2022 concerning medical debt under {$500.00} that my collections debt of {$130.00} account # XXXX from Wakefield & associates be removed from my credit report.
Consumer complaint received 2021-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: The B & F Corporation d/b/a OK Loan Service (OK)

On XX/XX/21 XXXX from Ok loans call at XXXX XXXX at my Job when I had to do my own customer to deal with saying that she will garnishment on my check if I don't make a full payment or payment arrangement of {$110.00} every 2 weeks. I explained to XXXX that I can make payment of {$110.00} but not every 2 weeks. So XXXX had said that not going to work. So I also asked how she received my work # when I was at a different office. Plus that loan was charged off 6 years ago and they should have done the garnishment 6 years ago. So I'm asking that loan be disputed or help on arrangements, or close the account since it been 6 yrs. I found out OK Loans is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAA Collections (IA)

AAA Collections says that I am responsible for my late wife 's ambulance ride she took the night of her passing. I sent them the death certificate and they said I was responsible and they will find my employer. Amount owed is XXXX after insurance.
Consumer complaint received 2023-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TX)

This company continues to report negatively on my credit after disputing numerous times that I have no relation to them or the company they represent. When I tried to speak with them they say it's my responsibility to prove the debt is not mine. I have disputed this for sometime now and the company is not listening. They have not been able to provide proof of this debt and they need to verify their information with their client,
Consumer complaint received 2023-03-01
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. (IN)

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

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights In additions listed on my credit report are inquiries that I didn't authorize Credit Plus factual date XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX factual date XXXX XXXXXXXX XXXX XXXX factual date XXXX XXXX factual date XXXX XXXX XXXX factual date XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (CA)

REF : XXXX ACCT # XXXX XXXX 's has not provided the required documentation that justifies them to be on my credit reports and consumer reports. I've corresponded with them for them to reply with a letter stating this will remain on my report for 7 years, I asked for validation not proof of my current address which they only have because of the mail they've received from me. 

I also disputed it with XXXX Equifax and XXXX, and they have not responded either, Well, XXXX said it was verified but didn't provide me with the details of the investigation on how it was verified with what information, is valid and how is it valid, this is getting ridiculous, and these companies are not adhering to the proper procedures that are required by law to my right to fair and accurate reporting. 

I will attach proof of my correspondence with XXXX 's and the letter they sent back to me after I requested validation.