davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I received a letter from XXXX XXXX XXXX  stating that I owed them money for opening account # with a fraudulent check in the amount of {$500.00}, demanding that I pay this money back to them in addition to a {$10.00} fee. I contacted them by phone immediately, and was told that someone opened an account in my name. I explained that I never heard of that bank, nor had I ever opened an account with this bank. I asked what recourse I might have. They said I should write them a letter via email, as well as report it to FTC. They also stated that they had already flagged said account for Fraud. 

I reported it to FTC. I called the credit reporting agencies, asked for copies of my report and had my account flagged by the 3 credit unions. I also sent copies of the letter I received from them to XXXX XXXX XXXX  via email. Once again I explained I had never heard of their bank, and did not open this account. I also told them that had they done their due diligence this never would have happened because several years ago my name had been found on the XXXX XXXX therefore my credit had been locked for years. Had they actually attempted to do a credit report before allowing someone to open an account in my name they would have found that the report was locked. 

I received a response from XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New York XXXX XXXX XXXXXXXX ext. XXXX XXXX # : XXXX XXXX XXXX XXXX stated that she had forwarded this information to their Internal Fraud Department for processing. On XX/XX/XXXX I wrote her again requesting that they close this fraudulent account and send me a letter confirming that this account is not mine, and that I am not liable for this account. I also asked that it be removed from my credit report. She replied, " The fraud department will be providing the letter. I have sent this on to them. I do not have an estimated timeframe for exactly when that will occur ''. 

I have yet to receive any such notice, and continue to receive notices from this bank stating the account continues to be overdrawn with a negative balance, and that the account will be closed at XXXX dats, They state that the outstanding balance will be reported to a collection agency and the appropriate credit reporting agencies. 

I would like this account closed immediately. I would like to have a letter acknowledging that this is a fraudulent account for which I am not liable, and I would like assurance that this will not be placed on credit report. Can you please assist me?
Consumer complaint received 2022-07-13
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. (CA)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-30
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. (MD)

I attended XXXX College in the summer of XXXX. I took out a subsidized loan and an un-subsidized loan to pay for my classes. I was unable to finish the class so I have to repay both loans. Ive been paying for both loans through the loan rehabilitation program since last year. My accounts are with XXXX  now and my payments are in deferral because I attended XXXX XXXX college for the spring semester of XXXX. Now all of a sudden a file shows up on my credit report this month from XXXX College saying the account is derogatory. The new account is a duplicate of the accounts that Im already paying. I need this derogatory account off of my credit report because its inaccurate.
Consumer complaint received 2020-10-10
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. (GA)

Hi, I am submitting this complaint to you because I give up fighting with TransUnion about inaccuracies and negative informations they are reporting on my Credit Report. I did online dispute, I mailed letters but nothing is done properly. First all, it is about my personal information i mean my name. I tried to contact Transunion several times by phone and by mails in order for them to correct my name. One of their representatives told me that they couldn't fixed, I need to banks who are reporting my name incorrectly with a suffix " XXXX ''. I asked him to give me the name of the banks so I can personally contact them and fixed it. He refused! I feel like they are reporting someone else which is not me. My name on my all official documents is : First name : XXXX XXXX initial : XXXX  Last name : XXXX By officials documents I mean my SSN card, ID, Birth certificate and XXXX XXXX. I have never used a generation name, suffix or other names to get a Credit. I don't know where did they get : XXXX XXXX XXXX. This is Wrong! On my XX/XX/2020 I sent TransUnion several letters asking them to investigate about negative items showing on my credit report and inquiries. It took them about 2 months to investigate and they didn't delete anything. They updated as verified! On XX/XX/XXXX I sent them another letter about their Method Of Verification under FCRA 611 ( a ) ( 7 ) ... Until today I have never heard anything from TransUnion. I called over the phone and nobody there seems to be helpful. For inquiries they told me to contact all companies by mails. All letters I sent to the companies were returned to me. Please help me resolve this frustrating issue. I am tired getting denied for Credit applications.
Consumer complaint received 2024-11-15
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)

Transunion has violated the Fair Credit Reporting Act by not having my written permission to furnish any derogatory mark that it has furnished on my credit report. ; according to 15 U.S Code 1681 ( b ) - Permissible purpose of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other, By the written instructions of the consumer to whom it relates. I did not give Transunion or professional debt mediation # XXXXXXXX XXXX XXXX XXXXXXXX permission to furnish any derogatory marks on my credit report. Also, under 15 U.S Code 1681c- Requirements relating to information contained in consumer reports, except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on my credit report, and no derogatory item should be on my report. All consent Verbal, non-Verbal, or implied is revoked. 15 USC ( b ) ( c ) states that A Financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is explained to how the consumer can exercise that non-disclosure option, which i was never given by professional debt mediation # XXXX, XXXX # XXXX, Transunion or any other credit agencies. Also, the law clearly states it is illegal to report Financial transactions per 15 USC 1681a ( 2 ) states that it's illegal to report information about transactions or experiences between a consumer and the person making the report I am referring to are professional debt mediation # XXXX, XXXX # XXXX, any charge offs or collections are considered financial transactions. Also, there are many inaccuracies on my report like several un-mailable addresses and incorrect [ hpne numbers. uFCRA this is also a violation.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (TN)

I contacted Chase Visa United Explorer credit card customer service on XX/XX/2022 to close my account. I did this ( as confirmed by Chase in the attached letter ), but the request was not processed due to unnamed " technical reasons ''. 


I accumulated several unauthorized charges because Chase did not close my account as promised. These were mostly subscriptions that I intended to lapse. Chase is responsible for these charges, as even their customer representatives will acknowledge to me. I have spent many hours on multiple occasions trying to resolve this since my initial call, all for a lousy {$220.00}. 

How many others has this company treated this way? I'm sure they will consider paying up adequate to resolve this. I think their business practices need scrutiny. My time is not cheap either.
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

My car was repossessed by Bank of America on XX/XX/2021. I called the bank prior to this and asked them if there was anything they could to do to help me. I told the customer service agent that I had family sending money to me through the mail to pay my balance due ( around {$400.00} ). A few days after that phone call they took my car. They didnt offer any sort of payment plan or deferment. Im a single mom of two teens and I have medical issues. Im on XXXX. I relied on my car to get me to weekly doctor appointments and XXXX. I have no way to get to those appointments now as I dont have any friends or family close to where I live who can help with rides. I cant pick up my boys from their dads house so Im unable to see them much. 
When I made that phone call prior to the repossession, the customer service rep told me that I had to pay the loan off in full in order to get my car back. Obviously, that isnt possible when youre on a fixed income. I had been paying my car payment consistently for 3 years before this happened. I missed 3 payments because there was a suicide in my family ( so I was out of town for the funeral and grieving ). Also, My son went into septic shock after XXXX and was life flighted to another town. So I was out of town focusing on him for a while. He nearly died. It has been a very tough year. I wish they would have been willing to work with me. I bought that car with money that my dad left behind after his sudden death. 
I called Bank of America today and they said that my car hasnt gone to auction yet. They are still charging me for late payments and fees. I had my loan down to almost {$3500.00} and since it has been repossessed the loan about is now around {$4700.00}.
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (DE)

This is the third complaint against TD Bank which is systematically lying in its responses. Although their response of XX/XX/2023, fraudulently claimed that " no credit card claim found for XXXX XXXX transaction in question in the amount of {$280.00}, that particular charge was reflected on the credit card # XXXX on XX/XX/2023. Then there was another lie about our alleged failure to file a dispute. We have been disputing charges of XXXX XXXX. On XX/XX/2023, we called TD bank and talked to a person by name XXXX who transferred our call to a fraud department, and I talked to a person by name XXXX. In response to that dispute of illegal charges made by XXXX XXXX TD bank issued a new credit card. But when I started to use the old charges showed up. It was when I filed a second complaint because I felt cheated and abused. Moreover, I disputed charges in my written correspondence to TD Card Service in XXXX OH. On XX/XX/2023, I provided documentary evidence of XXXX XXXX  removing all their fraudulent charges to CFPB and TD Bank. But TD Bank continues to lie about the situation!!!
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Bank of America closed my Checking Account that I had XXXX in and will not release my money to me and have restricted me from getting it either in person or by debit card and are telling me that they will mail me a Check in 90 days
Consumer complaint received 2020-06-30
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. (FL)

This was a secured credit card for {$3000.00} dollars and every time I used the card I made sure my payment were made on time through their online payment methods that were provided by the credit card company, however on three different occasions the credit card claim they did not receive the payment or didn't received it on time. After the third time the credit card company made the exact same mistake, I decided to close the secured account of {$3000.00} dollars and take my business else where. The credit card has since charged off the account with an outstanding balance of {$160.00} dollars which is completely not true and I have made several attempts to resolve this issue with the credit card company and through the credit bureaus to no avail. This is severely hurting my credit.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX My Address : Address, City, State Zip XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address isXXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXXRemove any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN isXXXX Remove any other numbers you may have on file!! 

Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data! 

These items are reported inaccurately : NAMES : XXXX XXXX XXXX XXXX XXXX XXXX Prior Residency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Residency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth XXXXXXXX XXXX XXXXXXXX CURRENT EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Position XXXX XXXX Prior Position XXXX XXXX SSN XXXX XXXX
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (FL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (NJ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-06-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credt. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possiblle. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX
Consumer complaint received 2023-04-08
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. (NY)

I called XXXX to ask why were collection companies were still able to access my credit report even if i had a credit freeze and fraud alert.I explained to the man on the phone that my information was compromised. My neighbor who has a collection company and has been selling my information and placing my name, address, social security number and family members names on the dark web and a lot of other sites, i was able to removed 82 so far however he continues to do this i've had 12 alias and address ' going back 40 years placed on my reports .When i finished the call a new collection from XXXX XXXX XXXX XXXX XXXX XXXX placed on my XXXX credit report and my score went down XXXX points. For a year and a half this is been going on there has been a lot of traffic on my reports why isn't anyone seeing this.
Consumer complaint received 2020-06-30
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. (TX)

Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX I did not apply for any credit card through XXXX XXXX. In XXXX, I noticed an account activity on my credit score for a balance that I do not owe. 
I have never had to apply for a XXXX XXXX  credit Account. I only have a joint checking account with XXXX XXXX  ( opened in XX/XX/XXXX ), not a credit card.
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX I did not apply for any credit card through XXXX XXXX. In XXXX, I noticed an account activity on my credit score for a balance that I do not owe. 
I have never had to apply for a XXXX XXXX  credit Account. I only have a joint checking account with XXXX XXXX  ( opened in XX/XX/XXXX ), not a credit card.