davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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. (CA)

n accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-05-25
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Experian ) Account # 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
Consumer complaint received 2022-05-25
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. (CA)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX XXXX Transunion XXXX XXXX ) Account # 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
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

My husband and I submitted a deposit on Monday XX/XX/2022 at which time we were told that {$220.00} would be available immediately and the remainder on XX/XX/2022. On XX/XX/2022 I received an email stating it would now take five days with no explanation. When I checked our account it was negative {$100000.00} which should not have been the case. I spent an hour on the phone with Navy Federal to no avail. I was given no legitimate reason for this error or my funds being held. I have screenshots of the receipt given in the initial deposit and one of the account negative. Navy Federal has done this to me on several occasions with checks. But it usually is resolved without incident. It shows the deposits as posted but not added to our balances.
Consumer complaint received 2022-05-25
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

On XX/XX/2019 I applied for an HSBC Bank Gold MasterCard online ( App. ID. 
XXXX ). 
The application form had a US citizenship question to which I answered XXXX, because I am XXXX XXXX XXXX XXXX. 
My credit was in the high 600s, good credit. 
Though I gave the bank my SSN, they did not pull my credit report to ascertain who I was.But instead decided to manufacture a reason that my identity could not be verified. 
Because after quoting ECOA, in the denial email, which forbids denial of credit based on national origin, and i XXXX XXXX XXXX XXXXXXXX XXXX, whoever handled my application, in my opinion, was in a dilemma.So they decided not to pull my report because it was a futile excercise or redundant. 
HSBC approves ONLY XXXX XXXX  for credit cards, a violation of ECOA.So no matter my credit situation, I would not qualify for the Gold MasterCard. 
Fast forward to the pre-approval letter to apply for a personal loan. 
If they could not verify my identity by a simple effort of pulling my credit report which takes a few seconds, how was HSBC, XXXX, NY able to access my credit report and mail me a pre-approval letter for a personal loan?
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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.

| The accounts below have violated my rights.

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

15 U.S.c 1681 Section 604 A Section # * 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 tem 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 ) ( a ) A person shall not furnish any information relating id a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (MO)

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I have items passed on that should be taken out or Block. Per FCRA segment 605 the Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including a new ID THEFT REPORT # XXXX once more. I've educated my lawyer regarding my aims and they are eager to consider the Credit Bureaus responsible for their tenacious rebelliousness. The addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX and inquiries : US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, are still reporting on my credit file, again, these items were made fraudulently and I seek to have them completely deleted from my Credit File pursuant of the FCRA section 605b.
Consumer complaint received 2022-05-25
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. (MO)

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I have items passed on that should be taken out or Block. Per FCRA segment 605 the Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including a new ID THEFT REPORT # XXXX once more. I've educated my lawyer regarding my aims and they are eager to consider the Credit Bureaus responsible for their tenacious rebelliousness. The addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX anXXXX XXXX : US SM BUS ADMIN ODA XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, are still reporting on my credit file, again, these items were made fraudulently and I seek to have them completely deleted from my Credit File pursuant of the FCRA section 605b.
Consumer complaint received 2024-03-10
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. (IN)

I am writing to dispute an unauthorized inquiry on my credit report. Upon reviewing my credit report, I noticed an unauthorized inquiry on my credit report. I have no record of initiating any business or financial transaction with the said creditors that would warrant such an inquiry.
Consumer complaint received 2022-05-25
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)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX ) Account # XXXX ( Equifax ), 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
Consumer complaint received 2022-05-25
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (WA)

I am co-signer on my son 's loan but I make sure the payment is made each month and all his mail comes to my house. Recently I noticed that his name on the statement has changed which tells me that Wells Fargo has also changed his name on his loans without request or permission. I tried looking back as far as I could and it appears that this happened over a year ago. Now my son 's accounts have his first name and my middle initial and my last name. My son has never had my current last name. I work for a financial institution and I know this is not in compliance. I am furious. If I ever went in and just changed someone's name on their account I would be fired. I really don't understand how something like this could even happen.
Consumer complaint received 2022-05-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2022-05-25
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)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2019-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent XXXX, XXXX & TransUnion 609 dispute letter on XX/XX/19 stating : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. '' - I received mail from XXXX XX/XX/19 stating account " Remains '' & account " Updated '' and they did NOT provide anything I asked in the letter. I would like all accounts listed in the letter to be deleted please. 
- I received mail from XXXX XX/XX/19 and ALL accounts were deleted. Thank You. 
- I received mail from TransUnion XX/XX/19 stating all account were " updated '' with out any proof of anything I asked in the letter. I would like all accounts I listed in the letter to be deleted please. 

I asked for specific items to be DELETED since they have not provided any proof with my wet ink signature or able to verify any accounts as mine. 

All letters were notarized and sent certified mail so I have proof. 

Please help me en-force as this has dramatically effected my families freedom.
Consumer complaint received 2022-05-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I spoke with XXXX XXXX advised them at the begin of XX/XX/2019 that they are reporting to all three Credit Bureaus the my account is currently in past due status which is incorrect. They stated that on the XXXX of each month the bureaus are updated. As of XX/XX/2019 my account because current. As of today XXXX XXXX has only updated XXXX that my account is not past due.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XXXX XXXX, 2022, I was looking for tickets on XXXX  for a concert from a reseller for a reasonable price. I contacted this profile XXXX who states that she had XXXX resell concert tickets for a reasonable price. I told the reseller I was only interested in XXXX of the concert tickets and she agreed to sell me the XXXX concert tickets. In total the concert tickets are {$270.00}. The reseller send me the ticket confirmation and named her priced which I agreed on. She then send me her Zelle gmail XXXX and her zelle name XXXX XXXX for we can arrange the payment. I then, send {$1.00} to the reseller to see if the payment went through and I send her a screenshot as a confirmation that my {$1.00} went through. The reseller agreed that my {$1.00} payment went through and I agreed to send the rest of the payment which was {$260.00}. I then send the rest of the money through send to her gmail account and send her the confirmation that my {$260.00} was send to her Zelle account. The reseller then said she could only send her XXXX concert tickets at a time, so I agreed to purchase the fourth ticket. I send the reseller an additional {$90.00} to her Zelle account, I send confirmation of my payment to the reseller and after the reseller confirmed my payment I was then blocked and I didnt receive the concert tickets. I send the reseller money through my checkings account and in total I lost {$360.00}.
Consumer complaint received 2022-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-06
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. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid 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: Block, Inc. (TX)

Cash app card was stolen. I filed a dispute with Cashapp and it was denied because the card was present. OF COURSE IT WAS... IT WAS STOLEN. 

XX/XX/XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX {$40.00}
Consumer complaint received 2019-06-13
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. (FL)

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 prompt me to check my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX, Inquiries ; 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 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I never consented to authorize nor benefited from all Inquires, Block and delete them. If I have received goods and services from the furnished Inquires, Let Equifax have one of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.