davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (CA)

SPEEDING TICKETS, I contact the company to explain that SPEEDING TICKETS I had in the past from long time ago, passed the status of limitations, not supposed to be in my driving record any more. 


company XXXX : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts just popped up one day. No knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2023-01-31
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

I lost access to my online Experian. I tried to log into the website ( and not the app ) but I cant. I tried to reset my password, it says that I am blocked. 
I had a problem with fraud last week and unauthorized transactions on my account. The bank closed my account. 
I tried to open another one and it is denied because they can not pull my credit report on Experian. 
I have no clue how I will do without a bank account. My credit score was last seen XXXX. I never missed a payment. I do not understand what is happening and I can not get anybody on the phone. 
It is absolutely impossible to contact anyone at Experian. It is crazy. If I am the victim of identity theft I could not even solve the problem. 
I tried to request my free report through the mail and it said that my informations are incorrect and I am not recognized. 
But these informations are my informations I do not know what is going on.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as XXXX evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : Account Number : XXXXXXXX XXXX XXXX Account Number : Account Number : XXXX XXXX Account Number : Account Number : XXXX XXXX XXXX XXXX Account Number : Account Number : XXXX
Consumer complaint received 2024-11-11
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. (OH)

XXXX XXXX Opened XX/XX/year> {$880.00} My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (TX)

XXXX XXXX is reporting an auto loan on my credit reports with inaccurate late payments. I have contacted both XXXX XXXX and each credit bureau regarding these late payments and they refuse to update the errors on my reports to on time payments. Each bureau is reporting the late payments inconsistently and if they are all getting their information from the same place this should not be happening. I am demanding that all late payments be corrected and report 100 % on time as they should be.
Consumer complaint received 2024-11-11
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. (NC)

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Consumer complaint received 2024-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I signed up for a travel credit card on or about XX/XX/year>. The offer clearly stated that a {$600.00} bonus would be provided if {$4000.00} was spent on the credit card within 90 days. I noticed that on the web site, in spite of me not having received the card to utilize it, I was notified I had only 78 days left to spend the {$4000.00} to get the bonus {$600.00}. I called today, Bank of America and explained my concern to a lady who identified herself as only XXXX, she completely understood my concern, regarding the absurdity of BOAbeginning the 90 day countdown to the bonus almost 2 weeks before I am even scheduled to receive the card. ( BOA notified me the card was mailed and I should receive it tomorrow, XX/XX/year> ). She put me on hold to check something and came back and said that is the rule and I can not change it. She was polite and helpful, however was not about to deal with my concern regarding deception. I think BOA needs to be held to account for this obviously deceptive practice of beginning the countdown for the 90 day bonus spending requirement perhaps as many as 2 weeks before the consumer actually receives the card. Of course, purchases can not be made without the card or activating it. Thank you.
Consumer complaint received 2022-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IL)

To whom it may concern : I am a federally protected consumer and I am writing this complaint myself. I have been attempting to resolve my concerns with Fed Loan Servicing since XX/XX/XXXX and have not received the requested documents or response Ive requested. I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received an email stating my documents were received but never received anything else. My request includes the original instrument of indebtedness, account production, and general ledger. I have only received copies of the consolidation request not the contract signed by both parties nor an invoice. Recently, I received an email stating that my loans have been sold without my consent and still no response to my initial request. My loans should not have been transferred especially after not honoring my request. FedLoan Servicing has had ample time to provide the items requested and the loans should be discharged d/t non compliance and not honoring my request as a federally protected consumer. Assistance with this matter will be greatly appreciated. Please see the attached correspondence sent to FedLoan Servicing.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (CA)

I purchased XXXX and they placed a warning saying purchases will prevent Withdrawals for 72 hours. I thought nothing of the warning because I had believed they had a different process for sending XXXX to other addresses. Instead to send you have to withdraw. I had placed all the money I needed to use TODAY of which all 100 % is locked up for 72 hours. I need this money now and this is a very very big problem.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (CA)

My former landlord XXXX charged me XXXX dollars for damages not belong to my room and garbage left in hallway not by me. I disputed with XXXX  by email twice and was ignored. XXXX send this debt to Southern Management System. I received phone call from Southern Management System and asked for proof of debt from them numerous times and never received. I write a certified dispute letter to Southern Management System and they refuse to pick it up. They finally did not respond my phone and voicemail. I also disputed this alleged debt with 3 credit bureau. They claim this debt is correct to XXXX while not responding to me. XXXX removed this collection account. 

Southern Management System : XXXX : XXXX XXXX  : XXXX XXXX XXXX Timeline : XX/XX/XXXX, statement received, First attempt to dispute with XXXX  XX/XX/XXXX, First attempt to dispute with XXXX  is ignored. 

XX/XX/XXXX Initial communication from Southern Management System, request written notice for dispute. 

XX/XX/XXXX, XX/XX/XXXX Not receiving written notice, Phone contact with Southern Management System requesting written notice. 

XX/XX/XXXX, Not receiving written notice, written mail sent to Southern Management System disputing and requesting written notice ( tracking number:XXXX ), ignored. 

XX/XX/XXXX, and numerous time. 
Not receiving written notice, Phone contact with Southern Management System requesting written notice, not answering, leave a voicemail. 



XX/XX/XXXX dispute with XXXX, XXXX and XXXX. 

XXXX XXXX, Second attempt to dispute with XXXX through email is ignored. 

XX/XX/XXXX Dispute Complete, Collection account deleted by XXXX XX/XX/XXXX Dispute Complete, Collection account maintained by XXXX.
Consumer complaint received 2024-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I utilized my Citibank Debit card to place a down payment towards the purchase of a vehicle at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount was for {$10000.00}. As per my request the transaction was voided by the salesperson who was manipulating the machine into which I inserted my Debit card. I was given a printed receipt of the voided transaction. But the transaction was processed the following day on XX/XX/year> by Citibank. The completion of that transaction wasnt authorized by me. I notified Citibank of the error when I noticed it on XX/XX/year> and filed a claim of a disputed charge. I physically went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> to notify them of the error. They stated that they would contact their Accounting Dept. & would rectify the error. They stated that they would call me the following day with an update. They never did call. I called them XX/XX/year> to check if they had corrected the error and refunded the {$10000.00}. They stated that they never received any money from my Citibank account and insisted that the receipt of the voided transaction from XX/XX/year> was proof that the exchange of funds never took place. I called XXXX XXXX XXXX again on XX/XX/year> and was told the same, though the transaction was posted on XX/XX/year> and showed a transfer of funds of {$10000.00} to XXXX XXXX XXXX. Im including a copy of the receipt for the voided transaction of {$10000.00} from XX/XX/year>.
Consumer complaint received 2022-12-24
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. (NM)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (LA)

Around XX/XX/2023, I fell victim to an elaborate scam that resulted in both emotional and financial loss. The scammer, who identified themselves as XXXX, manipulated me into sending my hard-earned savings under false pretenses. Our communication initially began with good intentions through XXXX, but it later became clear that XXXX was scamming me. Despite feeling pressured to comply with her instructions, I ultimately lost a total of XXXX USD through wire transfers to XXXX XXXX XXXX Bank.
Consumer complaint received 2024-11-22
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. (DE)

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 Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 2023-03-10
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. (GA)

Experian offers a credit boost which list after three consecutive payments of bills such as phone bill, electric etc they will add a boost to your credit score. I have made more than three payments to each account on my Experian credit boost report but its still only reflecting two payments.

Ive tried calling to get an explanation as why after my thrived payment my credit score has not changed nor its reflecting the third payments on my credit report in order to receive the boost they couldnt give me a real explanation and Im using the same bank account linked to my boost that took the first two payments
Consumer complaint received 2022-12-05
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. (CO)

I have contacted over the years experion, XXXX, XXXX. I was also included in the data breach of XXXX and they have done nothing. Items that are very old has not been removed on my report. Also they have 60-70 inquiries on my report that never go away. That I did not submitted. And they have no evidence to backup false inquiries on my report. I have made many many disputes and they all do nothing. I feel I have been profiled and I can not do anything. Also there is XXXX XXXX  that has put a freeze on my report, like some kind of red flag. Also there are false accounts that on the report and debts that I never had. Also when I request my credit reports from all agencies it is not full disclosure. Only bits of information. When I ask them to backup what is on the reports they ignore me. Also I have been breached on my credit and nothing has been done for me in years since the breach.
Consumer complaint received 2024-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (WI)

XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX sold my account to XXXXXXXX XXXX XXXXXXXX I asked XXXX XXXX XXXX XXXX for a 1099 form so the debt can be discharged from my XXXX credit report The company refused to respond. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Consumer complaint received 2022-09-19
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: NAVY FEDERAL CREDIT UNION (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a 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 a purpose.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm " XXXX XXXX XXXX, '' and I value you setting aside some efforts to CORRECT the inaccurate accounts in my credit document ; as a matter of fact, there are still a few records that needs to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). The following accounts are inaccurate and have to be corrected these : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$260.00}.