davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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)

In accordance with Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the inaccurate accounts. I have attached supporting documentation, including identification documentation, to verify my claims and request a thorough investigation into this matter. I understand the importance of accurate credit reporting, and I expect that my complaint will be taken seriously and addressed promptly. The following accounts should be removed right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

On XX/XX/23, I've tried using my Discover card via ATM and couldn't get cash. I've been trying to use XXXX XXXX as I always do, and have also had problems accessing my money. I have not been able to purchase grocery or get an XXXX when needed over the past week. I need help immediately and the only thing this bank is saying is that they are aware of the issue and that they are working on it.
Consumer complaint received 2023-02-10
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. (IL)

**If its anything over {$1.00} they are to return the money PERIOD! 
( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall **there are three things that need to happen A. credit the amount of the credit balance to the consumers account ; XXXX refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( theres no choice here ) XXXX make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone ; meanAND in law ( a semicolon meansAND in law it has to be done ) 1026.17 is part of 12 CFR Part 1026 ( Regulation Z ). Regulation Z protects people when they use consumer credit. CFR https : XXXXXXXX 12 CFR 1026.21 - Treatment of credit balances. 
Pursuant 12 CFR 1026.13 : ( XXXX  ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( XXXX ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, current, and future payments. 
NOTICE OF ACKNOWLEDGMENT- this is important Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required. 
XXXX XXXX XXXX, consumer, debtor, and legal Date representative of [ XXXX XXXX XXXX UCC 1-308 All Right Reserved
Consumer complaint received 2021-07-26
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. (GA)

Account with XXXX is paid in full. Still shows on all credit services. XXXX said the reported paid off closed on XX/XX/2021. None if the credit companies have received payoff information. XXXX states they will fax payoff letter and do not do it. I have disputed with each credit company. Still unable to get it removed from my or my husbands credit
Consumer complaint received 2023-02-10
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (TX)

I started receiving emails from a collection agency called XXXX at XXXX since last year. I thought to believe they were scam emails. So I didnt pay them no mind. When my income tax return was taking for owed debt. I started investigating. I called the collection agency XXXX at XXXX and asked them who were they trying to collect a debt for, and they told me for American First Finance. I called American First Finance and told them that I didnt get anything financed through them. They told me that I had gotten furniture financed from XXXX XXXX XXXX in XXXX. So they gave me the address and phone number to the furniture store. I went and talked to the store manager about when did I take furniture out. He gave me a copy of the contract that was signed. I made a police report with the XXXX Police Department and they sent me this email to file a complain.
Consumer complaint received 2023-07-26
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX OF XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: AMERIS BANCORP (FL)

ON XXXX XXXX AT AMERIS BANK XXXX XXXX XXXX XXXX XXXX I APPLIED FOR A LETTER OF CREDIT AND A BANK ACCOUNT AND I WAS DECLINED WITH 1 TO 2 HOURS..It was a violation of The Fair Credit Reporting Act,15 u.s.c. 1681 et seq..CHAPTER 542, FLORIDA STATUTES , CHAPTER 517, FLORIDA STATUTES , CHAPTER 68, FLORIDA STATUTES , CHAPTER 501, PART II AND CHAPTER 895, FLORIDA STATUTES.AND MY DOCUMENTS/INSTRUMENTS WAS NOT RETURNED WITH MY PERSONAL INFORMATION ON ITOR A DECLINED STATEMENT LETTER
Consumer complaint received 2023-07-26
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)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Consumer complaint received 2024-04-15
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: Uplift, Inc (TN)

Im disputing fraudulent activity with a company called uplift ( buy now pay later ) I have provided them with a police report showing the name of the person that took out a loan under my name. They replied back saying that they dont see any fraudulent activity going on, and to send them a police report with the name on it, but I already did that, they havent responded to me in more than 10 days and arent helping with the situation. They also let that person take out alone without showing proper identification. This person that took out this loan is also my twin brother and hasnt responded to me at all about the situation
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (FL)

I have sent my dispute to Equifax two times during the last couple months including complaint to CFPB, but Equifax keep telling me that they have not received my documents such as my verification documents, they also have mentioned that CFPB didn't send them any documents eve though these documents have been included to my previous complaint through CFPB. 
Equifax has refused to remove fraudulent hard inquiries from my report and refer them as a XXXX XXXX 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. Equifax has attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file : XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX. 
I have included in this complaint a copy of my FTC report, copy of my Driver License, copy of my SSN, proof of address.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (VA)

The student loan debt listed on my credit report should have been discharged in XXXX  under Bankruptcy XXXX # XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXX and ( 2 ) XXXX  XXXX basically destroying my debt to income ratio ; I never owed XXXX XXXXXXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (GA)

I wrote a letter about false information on my credit report, and more than 60 days later, i still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. it is precisely stated in section 611 ( a ) that refusal to investigate these allegation within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and its feasible that it landed in the incorrect hands.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NV)

I went to an atm inside a XXXX XXXX XXXX XXXX XXXX XXXX  on Thursday, XXXX XXXX XXXX XXXX XXXX and the atm was working then all of a sudden stopped after i chose to withdrawal {$400.00}. The atm stopped working all together and would not give me a receipt. I went to the gas station tenant and asked about it and even called the atm number. They told me to handle it through my bank. So i called my bank chime and they told me i had to wait for it to clear then can file dispute. I did that. They denied my dispute and said they found no error. I filed again and they sent me information as to the reason why they denied and they keep saying they found no error. The gas station has cameras and I dont know if anyone can view those but i really need my {$400.00} that i never recieved and have wittnesses that i never recieved.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On my Consumer Report from Transunion dated XX/XX/2023. I noticed 5 pages of Inquires on my consumer report from unknow sources, that I did not consent to, nor benefit from any of the following inquires. along with inacurate dates and account info. block and remove them please. All Promotional Inquiries, All Checking Account And Demand Deposit Account ( DDA ) Activity Inquiries, All Supplement Consumer Credit Information Inquires.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

I noticed transactions made by my debit card in another city for {$400.00} by a company called XXXX XXXX XXXX XXXX XXXX on XX/XX/2024. My bank, Wells Fargo conducted an investigation and subsequently denied the claim stating to me that it was authorized. We had a similar transaction from the same vendor a month before on XX/XX/2024 for {$63.00} and that claim was approved. I had to cancel my debit card and get a new one. I requested investigation documents by Wells Fargo that they used to determine their decision but havent received it yet.
Consumer complaint received 2023-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

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 consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX Account XXXX XXXX Bank of America ( secured credit card ) Account XXXX XXXXXXXX XXXX XXXX XXXX ( secured loan ) Account XXXX XXXXXXXX XXXX XXXX ( secured loan ) Account XXXX XXXX Acct XXXX XXXX, Acct XXXX XXXXXXXX.
Consumer complaint received 2023-06-22
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. (AL)

I am sending this CFPB complaint for you to know that I am a victim of identity theft. The current status should not be shown or re-appear on my file since I was already called the 3 credit bureaus to remove such inaccurate information. Credit Reporting Agencies lack proper record-keeping. The items are closed and when I requested records to prove theyre reporting erroneously and they failed to provide me with any evidence. Lets delete these immediately. The Bureaus are required to delete them all, but they failed to neither remove them. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise, remove these items immediately : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX Balance : {$630.00} ; XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-12
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX
Consumer complaint received 2023-03-16
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. (CT)

This is in accordance to the Fair Credit Reporting Act. XXXX account XXXX and XXXX XXXX XXXX account XXXX. 

15 USC 1681 602A I have a right to privacy.

15 USC 1681 604a sec 2 states consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX XXXX  I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-30
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Georgia Student Finance Authority (FL)

They have been reporting me late since the pandemic started. I thought that student loans were allowed to stop payment while unemployed. They sold my information to another party and I have no idea who. I was not informed and they are not reporting {$800.00} payments. It's been on here 8 years now. I need some relief I'm trying to buy a home.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}