davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-17
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)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : On XX/XX/XXXX, I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permitted by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX XXXX  Closed : XX/XX/XXXX XXXX {$11000.00} Closed XXXX CARD Closed : XX/XX/XXXX {$0.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive  damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: ADP Inc. (IN)

Well this is not the first time this has happened but I have money on my wisely payroll card formally global Cash card. I'm trying to transfer my funds to another account my XXXX  banking account. Now they are both pretty much the same in regards to being a prepaid card but they claim that they're accepted everywhere and easy to use. However I can't transfer my own money from one of my own accounts to another account of mine because it's a prepaid card even though the other account is also a prepaid card it doesn't make sense. They can never make it easy for you to access your money if for say like right now I have my debit card but I left it at a friend 's house and I can't get it right now, so I'm trying to use it via mobile app and of course they won't verify my XXXX code so I tried to pay myself and they won't pay a prepaid card! It's ridiculous. They advertised how it's just like any other XXXX logo card but that's not true I've had many of difficult times with them because of things like this. I don't think you should advertise it as a credit card accepted everywhere to be used as a credit card anyway when it's not that's false advertisement. Besides that they also make it very difficult to file a complaint as far as a fraudulent charge they make any funds on your card immediately unavailable until the issue is resolved which takes weeks sometimes months. I wasn't prepared for that and it caused me a lot of XXXX  and XXXX because I was completely broke until it was resolved. Why should the money on my card be frozen until they make a decision about a transaction? I don't see how that's their right
Consumer complaint received 2018-04-26
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. (MO)

There's 8 unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, until these agencies provide me with physical verification as requested over 90 days ago, all the above should be removed as stated in the FCRA law.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

It is over 50Days that i disputed some items on my report as reported by your reporting Agency. i still do not have a response or report of investigation.

- Incorrect name - Misleading Also Known As Name - Incorrect and Misleading Current Address - Misleading Previous Address.

All the above and many more Unverified accounts that were not investigated or deleted if it was not investigated. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2022-06-14
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. (GA)

In accordance with the FRCA, Transunion Credit Reporting Agency has violated my rights by listing inquires known and unknown on my report without my written consent given to me by code 15 U.S.C 1681 section 604a section 2. Also, code 15 U.S.C 1681 section 602a states I have a right to privacy. 

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
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX  credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXXXXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXX  credit limit XXXX have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Consumer complaint received 2018-04-26
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: Experian Information Solutions Inc. (MO)

Not only have I been a victim of fraud, I also was a victim of the XXXX breach .And now there's collections dated XX/XX/2017 ( XXXX ), and XX/XX/2017 ( XXXX XXXX XXXX ) on my report. To keep this on my report goes directly against the language in the FCRA.
Consumer complaint received 2018-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After my initial complaint XXXX investigated and deemed the accounts was not mines. Their decision was by far correct, and in accordance with the FCRA all criteria was met. However, after many attempts Transunion did just the opposite and today them same accounts remains on my report. The following closed dated accounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (ID)

I received a mailed account statement to an old address for a checking account that I did not open. I have contacted SunTrust ( Truist ) customer service to attempt to resolve the issue, and they are investigating. It is not clear to me how a banking account could have been opened with my information as a Social Security number would have needed to be supplied. This is extremely concerning
Consumer complaint received 2018-04-26
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. (MO)

Not only have I been a victim of fraud, I also was a victim of the Equifax breach .And now there's collections dated XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX XXXX XXXX ) on my report. To keep this on my report goes directly against the language in the FCRA.
Consumer complaint received 2021-03-26
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: Choice Recovery, Inc. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to I XXXX XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
Consumer complaint received 2021-05-05
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. (CA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX XXXX Account Number : XXXX 1. XXXX XXXX Account Number : XXXX 3. XXXX/XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX
Consumer complaint received 2018-04-26
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. (MO)

Someone fraudulently used my information snd/ or the misleading information derived from XXXX breach. However, I have unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to the FCRA, these inquiries should be removed if not mines, nor have any agency provided me with any physical verification.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XX/XX/2022, I deposit {$10000.00} from XXXXXXXX XXXX to HSBC, then made two wire tranfers to my other two bank account. Since then, HSBC has blocked my account, refused to allow to access my accounts.

I am requesting HSBC to unlock my account immediately.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (NY)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I've lost my information back in 2019 and i didn't pay mind to it and a few years later im checking my credit score and seeing a lot of inquiries that i have not done. when i check i see my rights are being violated because there are reports on my credit that i have not done which is highly impacting my credit and i'm not sure how to approach this.
Consumer complaint received 2022-07-21
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. (AZ)

I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2024-02-29
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. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-29
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. (GA)

These are not my accounts. It is the credit bureaus responsibility to make sure theyre reporting accurate information and going through the proper protocols before putting information on my credit report. The information does not match up to the other bureaus and according to the FCRA you must make sure everything youre reporting is accurate. Im entitled to an accurate report please remove the fraudulent account immediately. Im attaching my FTC report as well.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

XXXX, Equifax and XXXX are reporting the following account from XXXX XXXX XXXX inaccurately. XXXX XXXX XXXX cancelled this debt in XXXX and filed a form 1099-C with the IRS for the entire balance, As a result my taxes due increased by over {$2000.00} which I had to pay. Further the last payment on this account was in XXXX, XXXX which means next month ( this XX/XX/XXXX ) the account is more than XXXX XXXX XXXX and must be deleted from my credit report anyway. 
In the meantime, I am asking for this account to report correctly and after XX/XX/XXXX removed from my credit report. I am also requesting if XXXX XXXX disputes my claim for them to forward to me the entire payment history.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 2018-02-02
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. (NY)

There was some fraud made on XXXX as someone tried to make accounts under my name. XXXX said they would tell transunion to remove the following the hard pulls as I did not authorize them. Transunion also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-04-13
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)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-07-21
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)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM A VICTIM OF IDENTITY THEFT. MY WIFES FRIEND LIVED WITH US WHEN SHE FELL ON HARD TIMES YEARS AGO. SHE WENT OUT OF TOWN FOR XXXX  ONE YEAR AND LEFT HER IN OUR HOME. WHEN WE RETURNED BACK HOME SHE TOOK THE SHOE BOX THAT HAD OF OUR IMPORTANT DOCUMENTS IN THEM AS WELL AS MY SONS XXXX. HER NAME IS XXXX XXXX. BELOW I HAVE LISTED THE FRAUDULENT INFORMATION IN MY FILE THAT NEEDS TO BE REMOVED AND BLOCKED FROM MY CONSUMER REPORT IN 4 DAYS.



FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX