davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
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. (OH)

I have been communicating with these company for the past 6 months to remove inaccurate information on my credit report. The company has not given me proof that any of the alleged items belong to me. They are harming my personal financial life.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I got a letter from my college loan servicer stating on On XX/XX/2023, the Loans for my school accounts have been satisfied. The loans have been fully forgiven and I have the paperwork stating they have been forgiven. I tried getting in contact with the credit agencies but they are Ai or automated. I was unable to get in contact with the actual living people assist with removing the negative information that inaccurate.
Consumer complaint received 2024-01-06
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX 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 Balance OwedXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

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 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 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 or 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 calls to believe that the information is inaccurate.
Consumer complaint received 2024-01-06
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. (VA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-01-06
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)

In accordance with the Fair Credit Reporting Act XXXX the Accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-01-06
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. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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)

Please remove these accounts off of my credit report, I did not authorize these accounts nor did I open them. I was incarcerated for 9 years and just recently was released XX/XX/XXXX therefore impossible for these accounts & inquiries to be mine. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$530.00} XXXX XXXX XX/XX/XXXX {$800.00} Inquiries XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I hope this letter finds you well. I am writing to express my frustration and disappointment regarding the multiple unsuccessful attempts to remove a charge-off from my account with your company. I believe in fair and transparent financial practices, and I have been diligent in addressing this matter through various channels without resolution. 

I have made multiple requests to your customer service department, both over the phone and in writing, seeking assistance in rectifying the charge-off on my account. Unfortunately, despite my efforts and numerous promises from your representatives, the charge-off remains on my account. 

This persistent issue has not only caused undue stress but has also negatively impacted my credit score and financial well-being. I have attached copies of previous correspondences, including reference numbers and dates, for your review and reference. 

I understand that errors can occur in financial transactions, but the lack of resolution after repeated attempts is unacceptable. As a valued customer, I expect timely and efficient resolution to rectify this situation. 

I kindly request the following actions be taken promptly : Conduct a thorough investigation into the charge-off on my account. 
Provide a detailed explanation for the failure to remove the charge-off despite previous assurances. 
Take immediate steps to rectify the charge-off and update my credit report accordingly. 
Provide confirmation of the resolution in writing, including the expected timeframe for completion. 
I expect this matter to be resolved promptly, within the specified timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-01-05
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. (IN)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

These inquiries were not authorized by me. 
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 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On Thursday ( XX/XX/2023 ) I reached out to the Truist support team because I received a check from the U.S. Department of the Treasury for a large student loan refund ( {$11000.00} ). My concern was that the check would not arrive in time to be deposited with a teller, and I was worried about the safety of depositing the check after hours at the ATM at my local branch. They assured me that checks deposited before XXXX would be processed as part that day, and that being a government check I should expect a hold on all but the first {$100.00} on Thursday night, but that the remainder would be available on Friday. 

I confirmed this with the support team twice. 

Satisfied I decided to go ahead with the ATM deposit rather than wait until Friday ( XX/XX/2023 ) morning and deposit the check at the branch. Everything seemed fine Thursday after the deposit and the {$100.00} was released to me. 
Friday morning I was alerted to a hold for the full amount with the reason of " Doubtful Collectability '' that wouldn't be released until XX/XX/XXXX. 

On Saturday, XX/XX/XXXX, I emailed a detailed account of my the issue to a branch banker I had worked with before. I also attempted to call during Saturday banking hours. Since XX/XX/XXXX was a federal holiday, I went to the bank this morning to work with the branch manager to resolve the issue. He was on vacation but the banker I had emailed was able to call a support line who explained they couldn't do anything. At that point she reached out to her supervisor for assistance and told me she'd reach out to me by end of day. By XXXX I'd grown impatient and reached out to her and she explained that because my account was under two years old that they would not release the hold. 

I explained that as I understood Title 12, Chapter 11, Subchapter A, Part 229, Subpart B, 229.10, Article C.1.i - ( 1 ) General rule. A depositary bank shall make funds deposited in an account by check available for withdrawal not later than the business day after the banking day on which the funds are deposited, in the case of ( i ) A check drawn on the Treasury of the United States and deposited in an account held by a payee of the check ; Further I provided the banker with Appendix C to subpart 229, with details rules governing new accounts.

She has taken that information and escalated it. But given her response to my quoting federal regulations, I doubt anything will come of it. 

I have recordings of all conversations, pictures of the check and it's associated materials, and even a video of myself depositing it in the ATM since I was worried about this exact scenario.
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Duvera Billing Services, LLC (OH)

I contacted EasyPay Finance XX/XX/XXXX to get explanation why my statements are missing from XXXX XXXX, XXXX and XXXX to current XXXX. Since opening the account XX/XX/XXXX. I did report suspicious activity via email and of being blocked to access my account XX/XX/XXXX. I was told it would be fixed via phone and my account will not default the 90-Day finance interest option but nothing was done to rectify the situation but access was restored. 

As of today XX/XX/XXXX, No response to several phone calls and request for my statement access. Im told they CAN NOT send me hard copies or upload to my account either because they are from the past and the app is new.
Consumer complaint received 2024-01-08
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: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (NC)

I have a checking account at PNC Bank XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX I am currently in 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  and can not be left alone. I went to the supermarket to buy food with my debit card ( over {$250.00} in my checking account ) and my card was denied. I immediately called the bank from the supermarket to find that not only did they disable my Debit Card but they said that as of XX/XX/XXXX my account was scheduled to be closed. When I stressed surprise, they said a letter had been mailed to my home address, upon which time I reminded them that I had been in XXXX taking care of my son. I have {$2.00} in my pocket, rely on my debit card to make purchases, and on XX/XX/XXXX my Social Security check will be automatically deposited into this same checking account. I have no gas, no money for food and can not even return to XXXX without funding. My son just opened a new business, is ineligible for unemployment or sick pay. His wife works but her salary doesn't even cover their mortgage. I tried to XXXX funds from my account to my daughter-in-law ( wife of my son who is injured ) and they blocked that too! There isn't a PNC location within 70 miles of where my son lives on XXXX XXXX XXXX XXXX My question is this : If they account is not being closed until XX/XX/XXXX and there's no PNC Bank with a location less than 70 miles away ( I can not leave my son alone for a round trip of that distance ), how am I supposed to eat, get gas for my car and return home to NC if they are holding my money hostage? This is cruel and unjust and something needs to be done! I am helping feed my son and his family while I'm here because he has no salary coming in. I am XXXX XXXX XXXX and XXXX and this is harassment! Why are they blocking access to funds that are rightfully mine? PLEASE HELP ME. I CAN NOT WAIT 2 WEEKS FOR ASSISTANCE! My son has XXXX XXXX XXXX this week and I only have 1/4 tank of gas.
Consumer complaint received 2024-11-05
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. (MS)

Transunion is currently reporting an inaccurate account XXXX XXXX XXXX with a charged off status on my credit report with a balance o {$7300.00} and high balance of XXXX. 
In accordance with the provisions of USC 1681 ( e ) and USC 1681 ( i ) This is a violation of my rights as a consumer and this must be deleted immediately.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX - XXXX XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> Name : XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Previous XXXX ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX AND Employers : XXXX XXXX XXXX