davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00} or XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS IS NOT A DUPLICATE COMPLAINT. This complaint is sending due to the new evidence. XXXX credit Bureau is violated the law of FCRA and my rights. In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
Besides XXXX is reporting incorrect information on the account XXXX XXXX XXXX- the payment history of this account is incorrect from XX/XX/XXXX to XX/XX/XXXX. None of the payment was missed. 
Please remove incorrect information from my report immediately.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2022-10-23
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 XXXX. XXXX, XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-24
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: PENTAGON FEDERAL CREDIT UNION (NV)

I AM NOT A AUTHROIZED USER FOR THIS ACCOUNT THIS IS NOT OK PLEASE REMOVE {$5200.00} PENTAGON FCU XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit. 

30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times 30/60/90 days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks -- Creditor Name PENTAGON FCU Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to r
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (NY)

I called the XXXXEquifax after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complain and hoping that this XXXX XXXX XXXX XXXX Late payment XX/XX/XXXX, XX/XX/XXXX, 30 days late will be updated.
Consumer complaint received 2022-06-14
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: CITIBANK, N.A. (IL)

My argument is I was at XXXX XXXX and the cashier told me I would save more money with a home depot card would I like to apply. I told her at the moment I didnt have time I would look into it when I got home. So I did once because Im doing some re- modeling in my home. I logged onto the site read the literature and APRs on the card it clearly states on the site The meaning of PREQUALIFY is to qualify as a candidate : to meet the preliminary requirements for something. Quoted directly from the site Dont worry, this wont impact your credit score. I called the rep at the XXXX XXXX number and she clearly assured me that it was a soft pull and now I have a hard pull on my credit profile. 
This is your formal notice to cease your unauthorized hard inquiry into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Citi Bank made on XX/XX/2022 Made with XXXX to my knowledge, I have not signed any documents authorizing your organization to pull my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to the CFPB after your investigation so that I may verify its validity. I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXXXXXX XXXX XXXXXXXX XXXX Georgia ... XXXX... I have previously disputed XXXX XXXX XXXXXXXX Georgia XXXX XXXX XX/XX/2015 with the credit bureaus an their response you verified the item as accurate stating that the credit bureaus verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with the FCRA and the information on my credit report must be deleted immediately
Consumer complaint received 2022-07-20
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 (GA)

To whom it may concern ; i have sent a complaint before concerning Navy Federal Credit Card. I have been an authorized user on user of my mother 's Navy Federal credit card since XXXX to present. I was diagnosed with XXXX in XXXX and most recently over XXXX to XXXX I went to stay with a friend, who was informed was thrown out of her home, we went to stay with her sister, in which also didn't work for her. I had not known that my credit card was stolen out of my purse without my consent and I avoided my mom, bc she didn't know I had XXXX. i believe I was taken full advantage of due to my illness. I was taking medications prescribed to me by physician which left me sleepy and mentally drained. This has caused a huge problem with my mom who was not aware of the transactions. My grandmother passed in XXXX of this year, after the homegoing services, we had a family meeting with lots of cousins in which my mother inquired with many of whom the culprit was reference the gas, the food, the coupons, and some purchases from XXXX. 

Since my mother has called the police and ppr ivied them to the charges and nothing has happened. I was an authorized user and this is getting out of hand due to the theft of the card. The phone number of XXXX XXXX XXXX does not ring and XXXX is full XXXX this is the second complaint and my mother had cut up my card in pure disgust. 

I would like to know if I may get assistance with this matter. 

warm Regards
Consumer complaint received 2022-06-14
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)

Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-05-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My husband and I want to take advantage of low interest rates and decided to apply for a refinance of our second mortgage. 

I contacted a local branch of Bank of America because we prefer dealing with local representatives. The Bank of America loan representative contacted me via email with a link to apply for mortgage. 

The application was a long process but at no point did it ask what amount, or type of mortgage we were applying for. 

After submission of the application I contacted the representative by phone who then informed me Bank of America does not finance second lien holder position unless they are the holder of the first lien position. 

No where during the application process did it disclose to us, the applicants, that Bank of American does not finance second lien holder position. Which is deceptive. 

Both my husband and I have now have a hard inquiry to our credit report which negatively impacts our credit score and our chances of re-finance with another institution. Additionally, the impact of a hard inquire can result in a higher interest rate product. This is unacceptable. 

We need Bank of America to remove this hard inquiry as soon as possible so we can apply for a mortgage at another institution.
Consumer complaint received 2020-05-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I am XXXX XXXX XXXX XXXX I am from Louisiana XXXX Louisiana to be exact I am invested with you from stocks and bonds and XXXX XXXX XXXX baled me to put my savings 401 k there and I saw where someone took out my 401 k and in XXXX and XXXX I was put in a savings bond with Merlin lynch I signed it through a Ms XXXX XXXX XXXX Of XXXX Louisiana the address I signed it from was XXXX XXXX  XXXX XXXX she is a major real a state owner I took advantage of this opportunity when I was XXXX by letting Merrill lynch have more years on it I signed it again and it is a role over my date of birth is XX/XX/XXXX my social is listed someone changed the name to XXXX XXXX XXXX thats why yall are in the XXXX XXXX  settlement case now can I be contacted I never had to leave this state and my information is signed in that same file cabinet with a XXXX XXXX he lived at the same address and also the uncle in this who gave me also some shares or assists was a Mr XXXX XXXX of XXXX Texas and of XXXX Louisiana ... That is separate now there is also other packages 6 to be exact ...
Consumer complaint received 2020-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NC)

Account with XXXX XXXX XXXX was opened in my name fraudulently. Have notified XXXX via phone and provided a statement. This is the second time i've disputed this information and it still reports to my credit report. Balance of {$1300.00} nor the account belong to me.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau XXXX XXXX and it has not been corrected.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

Under the Fair Debt Collect Practice Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting Verification, I am requesting a Validation that is, competent evidence that I have some contractual obligation to pay you.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (FL)

I discover fraud on my account XX/XX/XXXX, for XXXX when the person who purchased our condo received mail from us and accidentally opened the letter to discover a returned check from our XXXX then another XXXX was taken out of our XXXX account and then sent to XXXX. What we were able to intercept both those charges and stop them. In doing my taxes this week. I discovered that in XX/XX/XXXX that once again XXXX took {$5000.00} of our money in XXXX unauthorized contributions from our XXXX account. A separate deposit, XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX each for {$2500.00}. I called him right away and they gave me the runaround I was on hold for XXXX XXXX hours back-and-forth finally it turns out that theyre holding {$2000.00} of my money as of yesterday they had lock down the money and lock my account they never sent me any statements and never notified me that they were holding {$2000.00} and when the risk XXXX and I were working on the fraud case on XX/XX/XXXX, the risk officer never went back to XXXX to see that more fraud had taken place for the XXXX  {$5000.00}. This is absolutely unacceptable that our account was hacked in this way, More over, I have the fraudulent check made out to a XXXX XXXX in XXXX XXXX only because they messed up the address and it was returned that is the check was returned to my old address of which I am holding. A police report was filed by today it seems like nothing has been done
Consumer complaint received 2021-10-15
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. ()

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.