davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$1600.00}
Consumer complaint received 2024-02-05
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. (IL)

Pursuant to 15 U.S. Code 1681c-2, I demand the immediate deletion of the account associated with XXXX  XXXX XXXX from my credit reports with XXXX, XXXX, and TransUnion. It has been four business days since I presented the Federal Trade Commission ( FTC ) report identifying this account as fraudulent.

Under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving an identity theft report. I have diligently provided the necessary documentation to support the fraudulent nature of the XXXX XXXX XXXX account. 

This statutory provision is clear in its mandate, and the failure to comply within the specified timeframe is a violation of federal law. I emphasize the urgency and intensity of this matter. The account must be promptly deleted to rectify the harm caused and to ensure compliance with the Fair Credit Reporting Act. 

It is crucial to note that I am fully aware of my rights under the law, and any further delay or non-compliance with this request will leave me with no alternative but to pursue legal action. I am prepared to take legal measures to address this violation, including filing a lawsuit seeking damages for the willful non-compliance with 15 U.S. Code 1681c-2. 

I expect immediate action to rectify this situation, acknowledgment of the removal of the XXXX XXXX XXXX account from my credit reports, and confirmation of compliance with the specified federal statute.
Consumer complaint received 2017-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (FL)

This is a complaint against American Express. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a complaint against TransUnion regarding their handling of a dispute I submitted on XX/XX/2023. The dispute pertains to the removal of an incorrect address on my credit report. In my initial communication, I provided all necessary documentation, including a copy of my photo ID, social security card, and a recent bill displaying my current address, in an effort to assist TransUnion in verifying my identity and address. Regrettably, I received a response from TransUnion, dated XX/XX/2023, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response raises significant concerns as it indicates a failure on TransUnion 's part to acknowledge the legitimacy of my dispute. Per the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any information, the credit bureau is obligated to conduct a reasonable reinvestigation to determine the accuracy of the disputed items. It seems that TransUnion has not fulfilled this obligation, resulting in a violation of my consumer rights. Enclosed with this complaint is a copy of the dispute letter I sent to TransUnion, along with their response, as evidence of my attempt to rectify inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Consumer complaint received 2024-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

All throughout XX/XX/2024, I've been disputing incorrect information that appears on my credit reports from all 3 credit bureaus. Ive also tried disputing with the actual collection agency in which the invalid information rests, who goes by XXXX XXXX XXXX XXXX on two reports, yet XXXX XXXX XXXX on another. The amounts I am disputing are {$1600.00} and {$4900.00}. Two different amounts, under the same company, yet two different negative impacts. Both amounts which are incorrect, as well as the dates of opened. Hopefully the attached documents provides a clearer understanding. After disputing through the bureaus, the information was not deleted. I then contacted the collection agency, genesis, directly. After providing numerous emails and statements, the representative agreed in my favor that the amounts should be removed within 2 weeks and to call back in two weeks to confirm. Today XX/XX/, it has been two weeks so as directed, I contacted the agency, spoke with the same representative, who then directed me to call back in another week as he was busy right now and could not talk at the moment. The run around is frustrating, the debt collection company seems very sketchy, and this incorrect information on my report is a burden and preventing me from purchasing a home of any kind.
Consumer complaint received 2024-02-05
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. (TX)

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Consumer complaint received 2017-10-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX/XXXX/XXXX, I was on the XXXX website looking to pre-order a new XXXX XXXX XXXX smartphone and I wanted to do the installment plan to pay for the phone. I submitted an application for credit on the XXXX website but the website gave me an error page. I refreshed the webpage which brought me back to the application for credit webpage which I resubmitted again. This time the it submitted properly but I was declined and it stated that a explanation was being sent in the mail. I called both XXXX and TD Bank and I ended up bounced around since nobody could answer any of my questions. Finally, I was told by a TD Bank Rep that I did have an account and provided me with my account number. 

I further asked how I can go about using this new credit line to purchase my phone and TD Bank told me to contact XXXX XXXX. XXXX XXXX told me it was an issue with TD Bank. I have called numerous times since then without any positive result or any further guidance on how to proceed. 

I ended up purchasing the phone at full price and no longer need the credit line. When I contacted TD Bank to let them know this, they said if I wanted to close my account then they would do that but it would show that I requested the close of the account on my credit report. I explained to them that I am closing it because there is no way for me to use this credit line since it is only valid for XXXX products on the XXXX website which neither I, TD Bank nor XXXX could figure out how to apply the credit line to my XXXX account.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc. (SC)

Healthcare Receivables Group has reported an alleged debt in the amount of {$780.00} to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Healthcare Receivables Group obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692. The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Healthcare Receivables Group on XX/XX/2021 and I await a response.
Consumer complaint received 2017-10-30
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (GA)

I DISPUTED THIS ACCOUNT AND ASKED FOR VERIFICATION THAT THIS IS MY ACCOUNT AND HAVE NOT BEEN PROVIDED WITH PROPER VERIFICATION THE AMOUNT IS SHOWING {$330.00}. THE DIVERSIFIED ACCOUNT IS REPORTING ON MY REPORT XXXX DIFFERENT AMOUNTS XXXX AND XXXX ON DIFFERENT CREDIT BUREAU 'S THE
Consumer complaint received 2024-02-05
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-02-05
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. (IN)

XXXX XXXX  I was alerted via email through my chase account of two credit applications under my name. Within 4 hours of these email notification I reported both as fraud as it was not my doing. 

I filed two police reports due to the businesses involved with the fraudulent activity. The case numbers are both listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Report # XXXX Phone : XXXX Both banks automatically denied the application so that no credit cards were dispersed to the offender, however, the credit application pull and process had already begun, causing my credit to be hit with two hard inquiries on the same day within a short amount of time. One was through XXXX XXXX via XXXX and XXXX XXXX. This credit pull was already removed from my account within 24 hours of me reaching out. Ive been dealing with the second credit pull, tied to XXXXXXXX XXXX  via, Transunion, involving a XXXX XXXX XXXX store. 

Can you please look into the still existing hard inquiry from XXXX with XXXXXXXX XXXX and XXXXXXXX XXXX XXXX  and have it removed from my credit report. 

Thank you so much in advance!
Consumer complaint received 2017-10-30
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)

I as of late received a duplicate of my credit report from this consumer credit reporting agency WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX COMPLIANT in the verification of your consumer credit reporting as DETAILED in the description of eXXXX ( your web based XXXX verification process ) YOUR EXACT XXXXR definition ( per XXXX XXXX XXXX XXXX is that " XXXX is a web-based, XXXX 2 compliant, automated system that enables XXXX XXXX XXXX XXXX XXXX and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit .... '' Within the report I saw that there were negative installments noted in the record history. Since I am somehow very defective in the matter as to the HOW, When and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness. There are two accounts reporting these : 1 XXXX XXXX XXXX  USA-2 late payments 2. XXXX XXXX acceptance - reporting 1 late payment.
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NY)

On XX/XX/XXXX I contacted XXXX XXXX XXXX after seeing a false debt on my credit report. I spoke with Manager XXXX XXXX who requested proof of coverage for the period in question XX/XX/XXXX - XX/XX/XXXX. I stated to XXXX that I can fax the proof immediately but I need to know when this false debt will be removed from my credit reports. XXXX explained to me that XXXX XXXX XXXX would not be able to provide a date of removal.
Consumer complaint received 2021-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority (AL)

I called XXXX  due to COVID Forbearance Relief they said there was high volume in calls and said my forbearance would end on XX/XX/XXXX, but then they said I would owe all funds all at once, I told them I did some reading and they can't make me pay all at once. They did not offer how they will settle my forbearance once it is over. There number is XXXX.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report.

The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).
Consumer complaint received 2017-10-30
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. (FL)

This is a complaint against Experian XXXX Department. I 'm victim of Identity Theft. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.
Consumer complaint received 2017-10-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Once I was banking with Wells Fargo they intentionally over drawn my account to get there mortgage payment and charge a over draft fee. I called them to stop doing it they continue overdrawing my account every month. They said if it was not automati payment they can not accept the payment. 

It caused my other payment to come out of the account and overdraw my account and charge me a {$35.00} every single time. In one year XXXX dollars of fees.
Consumer complaint received 2024-02-05
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. (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. Account number : 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 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 2017-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

After much research I called capital one to request an increase to the existing platinum card. I was told that as I had just received an increase I would do better to apply for their no fee cash back XXXX credit card, which I did, and was approved. Today when I went to review my account I noticed a {$39.00} membership fee. I immediately called as I was not made aware of any fees otherwise, I would not have opened another account. The representative said I could 've combined the two accounts to make it one ... something that the initial representative said I could not do since I had to apply for an entirely new account. Finally she said she would the charge this year and I stated that I would figure out if I could to take a negative credit hit when I close the account before 2018. However, the system would not allow her to waive the fee! I am stuck with a credit card that advertises no fees and after a year of using the card want to apply a fee! This is bait and switch! And if I close the account my credit scores will be affected! I need assistance to resolve this matter.
Consumer complaint received 2017-10-29
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 (CA)

Yes, I agreed with Wells Fargo XXXX XXXX to catch up on payments 30 days late since I was laid off work. I was making payment based off that agreement and they without notice repo my car. I try to negotiate with Wells Fargo, if I would pay off the loan amount off the next day from the repo that they would not place a repo notice on my credit they said yes. What happen next was that they place a repo notice on my credit. 

I have disputed on my credit report but nothing has happen. Wells Fargo is dirty institution does not help customer they ripped them off. With all these headlines and news that are coming out against them. 

Hopefully, with these dispute we can get to a resolution.
Consumer complaint received 2024-02-05
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. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.