davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (PA)

I went on XXXX to find out who sells XXXX XXXX and this website XXXX had this gym for {$48.00}. I went to purchase it with my debit card because the site said it was safe.However after I purchased this item on Sunday XX/XX/year> the id number for my purchase was XXXX and the website they gave for contact was different from the website at purchase. The website they gave was XXXX and when I tried to contact this website you can not because it does not exist and XXXX alerts you that this website is a scam and can not be reached. I contacted my bank Key Bank zip code XXXX and spoke to XXXX one of their scam and fraud department this morning at XXXX and put in the information about this scam on XX/XX/year> at XXXX to alert them about scam and to be refunded. The purchase amount is {$47.00} and is pending on my account. I alerted key bank while this fraudulent purchase was pending and I locked my debit card and I deactivated the debit card immediately. I would like you to contact Key banks fraud department at phone number XXXX ( XXXX ) XXXX and to investigate how they're handling this scam.
Consumer complaint received 2017-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Talbot, Adams, & Moore, Inc. (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-husband. I am a victim of identity theft and have put this off for too long. I 've completed the proper s teps, 1. notify creditors 2. police report 3. informe d the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.   XXXX   sold this fraud collection to enhanced recovery after my fraud claim and case with diversified funding.  XXXX   XXXX  has an entirely different name and for some reason, the bureaus like   XXXX   are still allowed to perform this way without consequences. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My local Wells Fargo is not accepting cash deposits, the agent said since XX/XX/2001 Wells Fargo no longer accepts cash deposits?! Since when?! 

I fought with the agent at the branch and she refused to place the {$3500.00} cash into my checking account
Consumer complaint received 2023-03-09
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)

I was looking over my credit report and saw I had some inquiries that wasnt mine. I didnt give these company permission to run my credit XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX on XXXX XXXXXXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI also have a fraud account on my credit report essential lending I account number XXXX this is not my account please delete immediately
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
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. (MD)

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 2021-12-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

My card was comprised on XX/XX/2022 heres the complaint Id XXXX totaling XXXX $ I filed a police report and my belongings were taken after 3 months of waiting relia bank denied my dispute with no evidence how they reach that agreement I am highly upset
Consumer complaint received 2024-02-01
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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-13
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)

Contacted Experian, placed frau alert. Have contacted XXXX XXXX XXXX in the past when this happened and no there was no reason for a report to have been issued. I do not have an account with XXXX XXXX XXXX, have not applied for a credit card or loan or for any other service with this company. 
This is the second time this has happened. Shortly after the last time, I received a letter from a sham XXXX address. I reported this also.
Consumer complaint received 2022-12-12
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 2024-02-01
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (FL)

After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. XXXX, Experian and XXXX companies are unlawfully reporting an unauthorized inquiry on my consumer report. They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). I have not initiated any transaction with the following accounts : XXXX XXXX XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-05-22
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: Debt Recovery Solutions, LLC (TX)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b2. The XXXXebt Recovery Solutions Company also has NO permission to report ANYTHING using my info. pursuant to 15USC 1681 4.

I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX You are required to do what I am asking and block these transactions from being reported to m consumer report within four days from the date of the receipt of this notice. I look forward to your response. 
Thank you.
Consumer complaint received 2021-12-22
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. (FL)

XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with 3 major credit bureaus XXXX, XXXX and Transunion. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my health insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX 's XXXX confirmed payment for date of service XX/XX/XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have been trying to fix the discrepancies reported by XXXX since XXXX to no avail. Ever since then I have been caused so many damages and emotional distress because the information, they are reporting to the public is making me look bad and I'm not getting approved for anything. Also, I had a full XXXX  audit done on my loan from XXXX and so far, XXXX has accrued about {>= $1,000,000} on a loan note they sold and traded on the secondary market and still asking me for money as if they are the owners of the promissory note still.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cawley & Bergmann, LLP (TX)

I recently received an email from Cawley & Bergmann , LLC, claiming that I owe a debt to a company called XXXX XXXX, XXXX, which I've never heard of before. The email included a link XXXX XXXX XXXX XXXX ) for disputing the information online. However, when I visited the link, it prompted me for a password that wasn't provided in the email. 

I reached out to Cawley & Bergmann LLC by phone, as per the contact information in the email. After verifying my name with the first representative, I asked for the password to dispute the debt online. Surprisingly, both the representative and their manager refused to provide the password. They insisted that if the email didn't contain all the necessary information, I would need to share more personal identifying information before being allowed to dispute the debt. 

I want to emphasize that I am not liable for this debt, as I have never had any contractual agreement with either Cawley & Bergmann , LLC, or XXXX XXXX, XXXX. Despite my request for additional details about their company and validation of the debt, they were unable to provide the necessary information. 

Moreover, there is no password provided in the email, and I have attached evidence of this omission. This situation raises significant concerns about the legitimacy of the communication, and I strongly suspect it might be a scam.
Consumer complaint received 2021-12-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (NC)

I traded in my vehicle XXXX. Upon doing so, XXXX XXXX was supposed to send the payoff letter to Wells Fargo. They failed to do so in a timely manner, causing a late payment to be added to my credit report. Ive tried to dispute it and Ive contacted XXXX  numerous times about typing a certified letter to turn in to the credit bureaus, but they failed to do so.
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centralized Business Solutions Company (OH)

Centralized Business Solutions Company at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX has been reporting collections to all 3 credit bureaus in the amount of {$2500.00}. I have sent them a debt validation letter by certified mail that they received 30 days ago on XX/XX/2021 which they have not responded to, to validate the debt. They still continue to report the debt to all 3 credit bureaus. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2024-02-28
Product: Credit reporting 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)

I have noticed that there are inaccurate debts being reported on my consumer report. Under Fair Debt Collection practices, I am asking for the debt to be validated. Please provide me with a breakdown of all charges, dates of service, and procedures. 

I am allowed under the HIPAA LAW to protect my privacy and medical records from third parties. This is also a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports the credit reporting agencies sharing my information. I do not recall giving permission to release my medical information to a third party to the following medical companies below : XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ), HIPPA does allow for limited info about me but anything more is to be revealed with authorization.