davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (LA)

I disputed inaccurate information that's on my credit report my XXXX XXXX XXXX opening date says XX/XX/XXXX on my XXXX and XX/XX/XXXX how can my information be verified and it's reporting XXXX different information my payment history on XXXX and Experian is not accurate with each other and it's not all listed date last active on XXXX is XX/XX/XXXX and Experian it's XX/XX/XXXX violation of the fcra needs to be removed immediately My XXXX XXXX XXXX has inaccurate information date open for XXXX is XX/XX/XXXX date for Experian is XX/XX/XXXX Last active for XXXX is XX/XX/XXXX Experian is XX/XX/XXXX there's no payment history in XXXX how can it be verifed from XXXX XXXX showing different information needs to be deleted immediately violation of the fcra
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (FL)

Money send by my tenant in Pennsylvania state using XXXX application using her personal bank named TD bank to my personal bank named XXXX XXXX XXXX didnt reach in my account. My tenant has proof of this said transaction and verification code that it happened and it looks like her bank has proof of this being deducted from her account on the date, unfortunately it never reached in my account and my bank is not able to see this transaction and it is missing in the cloud of XXXX. Both banks offer a service thru their banks TD bank and XXXX XXXX  XXXX but unfortunately not able to find this missing payment of {$1200.00} nor has any ways of resolving in any humane way. Me and my tenant called our respective banks and still without any luck and getting the run around for the last so many months now.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Two fake accounts opened in my name XX/XX/XXXX. XXXX XXXX XXXX mileage plan. Charged {$75.00} dollars by bank to open accounts that I DID NOT OPEN. Have made multiple phone calls, trips to three different Bank of Americas, filed a claim, that was faxed by B o A. No one responded to faxed claim. The employees at all three B o A denied the ability to help me, including the manager at one of them.

One person deleted the {$75.00} dollars but would not help me otherwise. I have sent several request for information on how accounts opened. No response. The one thing that did happen was a " soft '' inquiry on my credit line by B o A after one of my several trips to the bank for help. I have XXXX protection and they notified me. 
Please help me. Have been with B o A since 1978. Am now in process of closing this long time account, which has caused many more hours of work with auto pay accounts, and transferring to another account, and personal visits to establish auto pay with places like XXXX, water company, sewer company, telephone company, computer company and any one else we do business with. Have filed police reports, notified Postmaster General and as many places that were recommended
Consumer complaint received 2024-09-23
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. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXXccount name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  Account name : 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 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 2024-10-31
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. (NY)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.
Consumer complaint received 2023-04-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. Statis 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 1666 A Creditor May not treat a payment on a installment account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, I noticed a fraudulent money transfer from my checking account at Chase Bank for {$400.00} to a company/entity referred to as : " My Love # # # # # # # # # # XXXX ''. I did not authorize or make this money transfer. I filed a claim with Chase Bank. The Chase Bank representative advised me to go into my local branch and discuss with them what I should do further. I was told at the branch to change my account number, my username, and password, which I did. I was also told that the {$400.00} was put back into my account and all was taken care of. I received a letter posted XX/XX/2023, that an investigation had been initiated regarding my claim. I received another letter posted XX/XX/2023, that my claim had been investigated and it was determined that I had made the money transfer myself and on my device. I called the Chase Bank claims department again and after speaking to a supervisor, was told that a new investigation would be started and that I would learn of its outcome within XXXX - XXXX business days. I called back today, XX/XX/2023, and was told that there were no grounds to re-investigate my claim and that I had made the money transfer and it was made on my device. During my research regarding this situation, I discovered that banks can only keep {$50.00} of a fraudulent money transfer and that it is only possible, if I had taken over 60 days to report the the claim. I did not take over 60 days to report the claim. I am XXXX, elderly, and a shut-in. I do all of my banking online with Chase Bank. No one else has access to my account or my computer. Either Chase is cheating me or I have been hacked. Either way, I did not make or authorize this money transfer. Thank you.
Consumer complaint received 2023-01-27
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. (IL)

I have called numerous times and disputed with three credit bureaus and XXXX XXXXXXXX XXXX as re-aged my account and the credit bureaus are saying that the dates are valid. Also contact company the company will not provide me with any information although I have tried serval times, my XXXX even shows 2016 1st date of delinquency but XXXX does not is shows a later date so it may remain to ruin my credit longer but they did remove it. I have tried to get them to give me my personal information after verifying who I am and they are still not willing to help in fixing in formation on credit report they all say information is valid with out proper investigation. 
re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). 

The other two major credit bureaus XXXX and Transunion also did nothing to investigate only wrote notes as though they were valid no investigations were done if they were the would know this account was opened and 1st date delinquent in 2016.
Consumer complaint received 2022-07-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (CA)

XXXX to present. Guild Mortgage has issues with releasing held insurance funds so we can rebuild our home after a disaster we have supplied ALL receipts for all costs, taxes, permit fees, school taxes and to date repair costs In 2020 my home completely burned down in the XXXX XXXX. I have never missed a mortgage payment and my credit score is an XXXX, We owe {$320000.00} on my note and property value is {$780000.00} according to XXXX. 

my insurance company has sent {$610000.00} to my lender of which my lender has released only {$220000.00} leaving {$380000.00} in the repair account. 

Now we have spent {$290000.00} that includes {$61000.00} of our own money and guild will NOT release any more of OUR money which i need to continue my rebuild. 

now guild has some convoluted formula for releases but the point is they are holding {$63000.00} more than is needed to pay off the note which is va guaranteed. 
We have submitted ALL BILLS to guild to show that we are acting in good faith that with our payment history and credit score they need to release money so we can continue to rebuild.
Consumer complaint received 2022-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

Paypal offer the best services. 
I decided to open a claim for report this situation. 
On XX/XX/XXXX my account was stolen. The hacker added the email ( XXXX ). 
At the same time it was added the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX was made a transfer for {$3200.00} USD. TRANSACTION ID XXXX. 

other transaction was made to the card end XXXX, XXXX for {$1000.00} USD. ID transaction XXXX. 

the address was asociate XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX that not my personal address. 


i made the report about was Unauthorized access and withdraw into my account becouse that card XXXX and bank XXXX are not belong to me. 

i talk to other agent and he track the ip and it doesnt match with my history. 
he said it was conected from another device too. 


i opened a dispute with the case XXXX but it was denied. 



my Email is XXXX XXXX  XXXX XXXX.
Consumer complaint received 2023-04-03
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. (TX)

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/200XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX  XXXX Balance XXXX {$140.00} XXXX XXXX XXXX Balance : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Consumer complaint received 2023-03-30
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. (NV)

This is my several endeavors to tell credit bureaus 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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. (TX)

XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. These inquiries were not authorized. 
Date of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized. 
Date of inquiry XX/XX/2023 XXXX XXXX XXXX Auto Financing XX/XX/2023 Experian Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Consumer complaint received 2023-04-03
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. (MD)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX  XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX  XXXX Balance Owed : {$590.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 block any information 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-04-03
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX 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 2022-12-04
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

In accordance with the fair credit reporting act, The account receiving this 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 an 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 purpose.