davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. 15 US-CODE 16921 XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 XXXX  XXXX  XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-28
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)

Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

AS OF XX/XX/XXXX ..... 
THESE ARE INQUIRIES BELOW! 
Here are the inquiries u XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX Sales Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BBVA FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I responded to a letter I received in the mail from credit card company BBVA about completing a balance transfer. I agreed to a disclosure for a balance transfer. The next day I received an offer from another bank with an even better offer. On XX/XX/XXXX I called BBVA to find out if I could cancel the transfer. I was told by the representative that my application was never submitted and I don't have to worry about the account because nothing was processed. They advised me to contact customer care through the website to inform them not to process the application just in case I was worried and wanted to make sure the application wouldn't go through, but said it wasn't necessary - however I did. I moved on to the other bank, where I opened an account and did the balance transfer, where I agreed to pay their fee. A few weeks later I get a billing statement from BBVA. I was confused. I call back and they tell me that the balance transfer did take place. It is not XX/XX/XXXX and I've been going back and forth with BBVA about this issue since. I was apologized to numerous times and told that the issue would be resolved. I was promised a call back from an agent at least 4 times, if not more, and never did an agent return my call. I had to constantly take the time to call back and re-explain the situation to a new agent. A ticket is finally open and the result is that I owe the balance transfer fee because I agreed to this. And they justify this based on my phone call on XX/XX/XXXX. However, if they listen to the call on XX/XX/XXXX they will hear their agent tell me the balance transfer was never processed. If he hadn't told me this I would have never moved onto the other bank. I now owe two banks the balance transfer fee, which is over {$400.00}! I am extremely upset!!!
Consumer complaint received 2022-11-09
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. (GA)

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. 

XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX 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 2023-03-27
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: CITIBANK, N.A. (AR)

On XX/XX/2023 I received a text message about fraud on my Macy 's Amex I let them know that it was not me that was making charges in several states. They closed the account and opened an investigation. They did send me another card but subsequently closed that account too. Which i just found out today, XX/XX/2023 because I noticed that my account was no longer being reported on my credit report. I was told that it is still an open investigation. I'm being punished for fraud that is not my fault.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-03-27
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. (PA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-03-28
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. (LA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (MD)

I had an account with Wells Fargo a while ago and the reason I don't have it any more is I had them to close my account because money kept disappearing from my account and when I went in to the branch to complain or called customer service they didn't know where the money was disappearing to and couldn't tell anything which as disappointing, I don't have the account any more but now since it's an investigation there should be a way to find out about my missing money. 

Thanks.
Consumer complaint received 2020-06-22
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: ERC (CA)

I have contacted ERC direct in an attempt to validate the information being reported on my credit report to no available. I had to do research to obtain the correct mailing address as the address being report on my credit report is incorrect. They did not respond to my request for information in an attempt to validate the alleged debt by they verify this subterfuge as being accurate. This inaccurate, erroneous reporting is hurting my ability to obtain credit and my financial wellbeing. This alleged account from XXXX has already been removed from XXXX  but not XXXX. If they don't answer me how to I know this account was ever investigated? 

Not sure that company name they are legally doing business under.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (AL)

To Who it may Concern : I have contacted XXXX XXXX, Experian, and XXXX more than once pertaining to them reporting inaccurate information on my credit report that is negatively effecting my credit score. I even sent proof that the information that they were reporting was incorrect and they did not remove the inaccurate file from my credit report as I requested that they do. the account in question is : XXXX Acct # XXXX in which at the timeXXXX XXXX shows a last date active of XX/XX/XXXX, Experian showed a date of XX/XX/XXXX, and XXXX showed a date of XX/XX/XXXX. XXXX XXXX has since re-aged my date of last activity to XX/XX/XXXX. 
I have disputed this issue more than once with each of them. They only respond that their investigation results will stand. I've even sent in proof that the information was incorrect. 
I ask if each of these entities get their information form the same source, How can each of the have conflicting information?
Consumer complaint received 2020-06-22
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. (FL)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-09-26
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: WELLS FARGO & COMPANY (FL)

These accounts were created without my consent. I did not authorize any of these transactions. 

XXXX XXXX Balance {$1100.00} opened XX/XX/XXXX / WF/XXXX  Balance {$4500.00} opened XX/XX/XXXX XXXX XXXX Balance {$2000.00} opened XX/XX/XXXX XXXX ( Original Creditor 11 XXXX ) XXXX opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} opened XX/XX/XXXX XXXX  XXXX  ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$1100.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$34000.00} XX/XX/XXXX
Consumer complaint received 2020-09-21
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. (GA)

An account was allegedly opened in my name at an address I didn't live at. Apparently an account was opened XX/XX/2019, at XXXX XXXX XXXX XXXX in XXXX GA. I have never lived there, nor did I authorize this account to be opened in my name or cosign for anyone. 

I keep explaining that I never lived at the said address and the account opened was not opened by me nor did I authorize for it to be opened in my name. No one wants to make the creditor show proof I opened the account. I ask for either a recorded call, an electronic or physical signature where I authorize use of my name to open this account or where I opened the account. Secondly I've owned my house since XX/XX/2019, i got free cable the entire year of XX/XX/2019. I would not need to get cable plus I live at XXXX-XXXX-XXXX-XXXX-ga-XXXX. I was not living at XXXX XXXX XXXX XXXX when this account was opened. I have never lived at XXXX XXXX XXXX XXXX. Everyone is passing the buck instead of producing some for of proof i opened this account. 

XXXX XXXX, XXXX XXXX XXXX and the other major credit reporting agencies are violating my rights and grossly reporting inaccurate information that is adversely impacting me.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Case Notification Case Closed Dear XXXX XXXX : Your request with Case ID - XXXX is now complete. 

Today 's Date : XX/XX/2020 Account : BANK OF AMERICA TRAVEL REWARDS VISA PLATINUM PLUS ending in XXXX Result of your case : Unable to complete as requested -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I opened up a credit card with Bank of America and had no online access for the duration of the account being open. Subsequently, I was unable to pay online and paid in person in cash at a bank branch. Because the technology was weak, I was unable to get this paid off unless it was in person. Subsequently, my account was shut down without any notice or email. I requested them to fund at the very minimum my fees, and they closed any request.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (IN)

FOR 5 YEARS I HAVE NOTICED AND COMPLAINED TO MY BANK ABOUT THEIR HANDLING OF OVERDRAFT FEES ON MY CHECKING ACCOUNT. WHAT THEIR PRACTICE IS IF THE ACCOUNT FUNDS ARE LOW AND THERE ARE INCOMING DEPOSITS AND WITHDRAWALS IS TO HOLD THE DEPOSIT AND ALLOW THE WITHDRAWAL FIRST IN ORDER TO CHARGE OVERDRAFT FEES TO AN ALREADY NEAR XXXX BALANCE ACCOUNT. WHICH IN THESE THESE TRYING TIME IS VERY UNNERVING AND STRESSFUL. OF WHICH THEY DENY BUT CONTINUE TO DO. YEARLY I AM SURE THEY AMASS SEVERAL THOUSANDS OF DOLLARS FOR THE BANK. AT A COST OF MOSTLY STRUGGLING MINORITIES I AM SURE.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (DE)

Bank charged me fees and refused to honer the disputes for the charges that were multiply posted, and refused to dispute items I never received and with their overdraft coverage and fees i am now XXXX. 
I want to close the account and work out a payment arrangement but they wont let me. 
I live off XXXX a month in social security so even if they sue me and get a judgement they wont receive anything and I'll just file bankruptcy again in 8 years. But I would like to try and fix this. They also wont remove my sister from the account as she had nothing to do with this and is not responsible and they wont close the account cause it's negative and they will keep accruing fees, I don't know how they let this account overdraft XXXX when they know I only receive XXXX in social security benefits. I think they did this to be try and sue me and get a judgement to try and take any assets I have ( which I have none, I own nothing, everything i use belongs to my father ) I need help working with these people from PNC.
Consumer complaint received 2020-08-28
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: CBC Companies, Inc. (CT)

The company XXXX XXXX called me trying to collected debt owe. I never spoke with anyone from this company before that call. A contract was never issue. Reaching out to XXXX XXXX lack reasoning. making there calls illegitimate and stocking behaving illegal. I clearly have no idea what they are talking about and still they keep reporting this negative account on my credit.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX I purchased 4 roundtrip tickets to XXXX XXXX set to leave from XXXX XXXX XX/XX/XXXX from XXXX. Due to my husband being XXXX XXXX military, his command canceled his leave due to the coronavirus end of XXXX early XXXX. 
I requested a refund, which XXXX said I could either get a credit or partial refund. Over the next few months, I called and was on hold for 2 hours before a rep answered just to tell me he couldn't help me. XXXX said it would take 3 months for the refund. So far, it's been almost 6 months. Not only was travel pretty much shut down during this time due to the coronavirus, I kept getting notifications from XXXX about my flights being canceled, so either way, they should pay me back my {$2700.00}. 
I knew they weren't going to help me because every reply was a generic, computer generated reply. I contacted Barclay to dispute the charge. The sent me a letter saying that they decided in favor of XXXX, without any explanation or proof. I replied with more documentation that showed that they had promised I would get a refund. Barclay then sends a letter saying that they " can't find a transaction from XXXX ''. I then went online to print out my statement with the XXXX charge, I circled it, and I faxed it back to them AND mailed them the hard copy. This has been over a month, and I have not heard anything back. 
Barclay has been allowing merchants to take advantage of their customers by not providing the consumer protection they advertise.