davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I mailed a debt validation letter to Transunion Credit Bureau and a week before the 30 days mark, I received a letter stating the dispute they received was believed to be fraud and was not processed due to that. I reached out to them on XX/XX/2022 around XXXX est. and between XXXX and XXXX I had to call back 3 times. They refused, even after asking me my personal information and verifying it over the phone to process the debt validation letter I sent to them. They kept wanting me to do it over the phone with them. I know from past experience its best to have a paper trail with these documents. I asked the representative over the phone why was she trying to make me process the claims over the phone if they have the letter, I sent in. Her response is they are able to lead the consumer to make the claim online, that just seemed weird to me that she would just keep trying to persuade me to do that. So, after I said no repeatedly all of a sudden, the call ended. So, I called back and this time they didn't have to transfer me to the fraud dept. she said she worked in that dept and just started saying just let me help you and I was like you already know who I am? This led me to believe they either flagged my account or something. Needless to say, she wanted to do the same thing, so I said let me log into my Transunion and she also ended the call. Then the third person answered the phone saying hello XXXX and I didn't even put my info in, so now without a doubt I know they are harassing me or refusing to complete my debt validation because I kept refusing for them to open a dispute online. I also told the first assistant I was recording the call and that really made her irate. I just don't trust them with my information, and I wish someone would reach out to them and see why they would think a dispute letter is fraudulent coming from my address that I reside at, and I have a fraud message on my credit file with my phone number, the same number I called them from. I just know they are only doing that to prevent following the guidelines and processing the disputes. Even if it was a third-party dispute why would that negate not completing it?
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (NY)

I was promised XXXX XXXX  for opening an Amex Business checking account. 

1. Funding $ XXXX. 
2. Completing 10 transactions. 

I completed all of the above but did not receive the bonus
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Opened up a credit card in my name. I told him not to open one up unless his and my name was on it due to the fact he is the only one that has had a job and pays all the bills for the past XXXX years. All the bills has been in his name there has never been one bill in my name and what I said above is why. He has been opening up other accounts in my name on purpose to ruin my credit and he has been looking for multiple reasonings that isnt real to have me arrested.
Consumer complaint received 2023-08-24
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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
Consumer complaint received 2022-08-02
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. (FL)

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

this company should not be reporting this on my consumer report. they never told me i had the option to opt out for having my information shared to the XXXX XXXX. i been reading consumer law and they breaking a lot of laws. please see attachment.
Consumer complaint received 2024-10-31
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. (FL)

On XX/XX/XXXX I filed a compliant about Transunion investigation into inquires I did not authorized. the compliant case number XXXX, Transunion stated in the response phone number added. I do not know what phone number added Transunion is talking about. I do not know if this is some type of stall technique Transunion is attempting. Once again I am feeling ignored and Transunion has violating multiple FCRA acts.By obtaining my consumer report knowingly without any permissible purpose transunion are in violation of the Fair CreditReportingAct ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with XXXX XXXX, XXXX XXXX, XXXX, Your offenses amount to Aggravated Identity Theft pursuantto18 U.S.C. 1028A. You have knowingly transferred, possessed, orused, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in additionto civil liability.Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowinglyand willfullyobtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2years, or both.You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX XXXX XXXX consumer reports without my authorization or a permissible purpose under the 15 USC221681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.2. The purpose is certified in accordance with section1681b ( f ). XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) .FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification.
Consumer complaint received 2022-08-02
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. (FL)

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX6 DPT EDXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-02
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. (FL)

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX DPT ED/XXXX XXXXXXXX DPT ED/XXXX XXXX XXXX, XXXXXXXX XXXX  SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Comerica (PA)

Hello I am severely XXXX and have XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my brother and was XXXX very bad by an ex and family members for years my mother tricked me into going on a cell phone plan with her and then reported the phone stolen and wiped out the cloud also there's been a XXXX who's been stalking me who's also affiliated with my family who stole the XXXX card that I had in a government phone that I got and got into my XXXX account changed all my passwords and somebody purchased {$450.00} worth of cryptocurrency from XXXX with my debit card I get {$840.00} a month on the XXXX o the month I had {$590.00} in the bank I want to go purchase XXXX food and there was XXXX missing from my account to XXXX they tried to say I authorized these charges which I did not there's recordings of me calling sometimes twice every day in a month crying to please give me my money back begging and pleading I literally lost my house sitting and everything I'm XXXX XXXX XXXX XXXX because of this now I'm living in a XXXX XXXX because I have nowhere else to go because the police tried to say I didn't live at my address and that's how my family was getting over on me they would call the cops every time I would come home and I would get thrown out of my own house so they threw all my stuff out on the street and on the porch and I have pictures of it they were stealing my mail and everything my sister is a witness to all this as she herself has a PFA on certain family members they stole lots of money from my grandparents and tried to coerce him to lie for them the situation is really bad now direct Express debit card services took XXXX back out of my account which left me with {$390.00} they canceled my card on the XXXX when I asked him to please lock it until I could get to the ATM in the morning and now I'm sitting here with no food no money nothing because they canceled my debit card told me to call social security and now they charged me {$20.00} for another replacement card that won't get here until Thursday this company has also charged me {$100.00} to change my address in XXXX there's something with the phone my mother gave me there's a reason she did that and I reasonably that she either tried to frame me or do something very sketchy because they were all audited by the FBI for stealing money for the pandemic I really really need help with this I'm struggling so bad I'm severely XXXX and don't know what to do I need this money to survive and I need to get money to get to somewhere safe please help me you can reach me at XXXX and my name is XXXX XXXX XXXX I also have photos of the paper direct Express debit card services/ Comerica can do it Bank sent me by the flimsy investigation they did they tried to say authorized charges in which I never even had an account in the first place.
Consumer complaint received 2022-08-02
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. (FL)

XXXX XXXX XXXX, XXXX SOC SEC # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (GA)

My checking account was closed in XXXXXXXX XXXX XXXX  due to overdraft protection fees and fraudulent activity in which I called to let them know and ask for an investigation. Its not fair and I would like to be compensated.
Consumer complaint received 2022-08-02
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: BARCLAYS BANK DELAWARE (MA)

I received an email that my credit XXXX changed. I pulled a credit report and noticed a new line of credit for over {$12000.00} with Barclays. I have never done business with Barclays and have only ever had two credit cards, XXXX XXXX XXXX  and XXXX. This line of credit shows me as an authorized user.