davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$280.00} and XXXX XXXX XXXX. {$0.00}
Consumer complaint received 2024-10-24
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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (IN)

I wanted to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. 

Here 's the wrong info : Account Name : KIA FIN AM Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

This is with reference to case ID XXXX submitted to Citibank and Case ID XXXX submitted on XXXX XXXX and XXXX XXXX respectively..I received mails today from Citibank stating the the provisional credit given to me in the amount of {$9900.00} will be reversed on XXXX XXXX. 
I was under the impression that this matter is resolved when this is fraud when XXXX XXXX XXXX who impersonated himself as an employer of XXXX and worked in the South Dakota officeXXXX was definitely fraud whereby XXXX XXXX XXXX also stated that he was a supervisor at the XXXX XXXX in South Dakota and an invoice with the XXXX logo in the amount of {$10000.00}. 
Citibank has stated that the provisional credit provided to me will be deducted on XXXX XXXX from my statement so therefore this case has not been resolved and this case is still open. 
I am a pensioner and this situation has caused me undue hardship and I am due to do some dental work and this can not be done at the moment. The case ID is XXXX which was updated on XXXX XXXX fully described the entire situation in my first complaint.I will attach the files that I had submitted before
Consumer complaint received 2024-10-24
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)

Here is the transcription of the text from the image you provided : I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 
Below are the details of the disputed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-24
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: EQUIFAX, INC. (TN)

Subject : Formal Complaint Regarding Incorrect Credit Reporting After XXXX  XXXX Bankruptcy Discharge To Whom It May Concern, After multiple unsuccessful dispute attempts with the Credit Bureaus ( XXXX, Equifax, and XXXX ), I contacted XXXX XXXX XXXX  at the phone number listed on my credit report : XXXX. On Thursday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, I spoke with XXXX representatives, the last of whom was XXXX XXXX XXXX XXXX XXXX XXXX ), who identified himself as an Account Manager. The call lasted 31 minutes. 

All representatives, including XXXX, directed me to contact XXXX XXXX for assistance in correcting the reporting of these accounts to the credit bureaus. I was informed that my accounts had been sold to XXXX XXXX for collection. However, I was discharged in XXXX  XXXX Bankruptcy proceedings on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  was listed as a creditor for discharge of the debts. 

The accounts in question are referenced as XXXX XXXX XXXX XXXX 

I am formally requesting that XXXX XXXX XXXX  update the reporting to XXXX, Equifax, and XXXX to reflect that these accounts are closed with no outstanding monthly payments due. The accounts in reference remain XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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. (TN)

Subject : Formal Complaint Regarding Incorrect Credit Reporting After XXXX  XXXX Bankruptcy Discharge To Whom It May Concern, After multiple unsuccessful dispute attempts with the Credit Bureaus ( XXXX, XXXX, and TransUnion ), I contacted XXXX XXXX XXXX  at the phone number listed on my credit report : XXXX. On Thursday, XX/XX/XXXX, at XXXXXXXX XXXX XXXXXXXX, I spoke with XXXX representatives, the last of whom was XXXX ( employee ID # XXXX ), who identified himself as an Account Manager. The call lasted XXXX minutes. 

All representatives, including XXXX, directed me to contact XXXX XXXX for assistance in correcting the reporting of these accounts to the credit bureaus. I was informed that my accounts had been sold to XXXX XXXX for collection. However, I was discharged in XXXX  XXXX Bankruptcy proceedings on XX/XX/XXXX, under Case No. : XXXX, and XXXX XXXX XXXX was listed as a creditor for discharge of the debts. 

The accounts in question are referenced as XXXX, XXXX, and XXXX. 

I am formally requesting that XXXX XXXX XXXX  update the reporting to XXXX, XXXX, and TransUnion to reflect that these accounts are closed with no outstanding monthly payments due. The accounts in reference remain XXXX, XXXX, and XXXX.
Consumer complaint received 2024-10-23
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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

wednesday XXXX XXXX XXXX XXXX XXXX 
spoke with 2 individuals form XXXX XXXX XXXX XXXX. 
in regards to a account that they had purchased from a differint company, Gentalman whos name I have on hand refused to answer any questions I had asked. continuously spoke over me and insulted me. 
told me that he does not have to verify and validate any of my questions, and demanded I pay the account. 

I asked for validation of my consent to owing the comapny a debt, and if they have a electronic and or hand written signature from me agreeing to pay them. 

the gentlman said he doesnt have to prove anything and that I should just pay the bill. 

I also asked if the debt was purchased by his company? again to imply I do not owe anyone of the collections company and any of its subsidiaries any money. 

the gentlman again told me that im XXXX and became verbally aggresive and then repeated himself several times to pay a debt. 

when I informed him that his actions are out of line and abusive, he hung up on me. 
XXXX XXXX XXXX 

I called back the company number immediately and the gentleman picked up the phone, and set it next to a t.v.. refused to answer. 
waited 20 seconds. and hung up on me again.. 
XXXX XXXX XXXX 

I called again for the 3rd time immediately, and got ahold of a lady at first, informed her of her associates behavior and that I would like to file a formal complaint. 
before I was able to get to file a complaint I verified my informationas to who I am. 
I did request that upon the completion of our phone call I would like a copy of the signed contract between me and the company that I owe them a debt., she refuesd and told me that not how they do things there. 
then I requested for information on whom did they aquire the debt from? and if it was purchased or a partnership? 
the lady said we cant do that. 
then proceed to ask how I want to [ pay for a debt. 
I refused when I heard attitude and anger in her voice, and asked her I would like for communication to be done via writting, and that I need a copy of the aggrement that show a signature from me to them. 

the lady hung up on me. 
XXXX XXXX XXXX 

names of the associates can be given upon request and copy of notes
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-24
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. (TN)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-24
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. (NJ)

in accordance with the fair credit reporting act, the account listed below has violated my protected my consumer rights to privacy and confidentiality under 15 usc 1681 account name : XXXX XXXX XXXX account name : XXXXXXXX XXXX account name : XXXX XXXX XXXX  account name : XXXX XXXX XXXX XXXXXXXX. 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 an account without my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency make any consumer report containing any of the following items of information. any other adverse items of information, other the record of conviction of crimes which antedates the report by more then seven years 15 u.s.c 1681s-2 ( A ) ( 1 ) a person shall not furnish my information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-10-25
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. (FL)

I contacted TransUnion XX/XX/year> at XXXX XXXX  at XXXX. I requested a dispute be conducted on an account that does not belong to me XXXX XXXX XXXXXXXX in the amount of {$1.00}, XXXX. This account does not belong to me, as it states it was opened on XX/XX/year>. I spoke to a rep. requesting original documents with my signature or any identifying information that ties me to the debt. I was informed by the rep. that I spoke with, that the account will be reviewed and documents will be provided to me, and if the debt collector does not provided the documentation then that proves the debt does not belong to me. The dispute was finalized, but the debt still appears on my credit profile, not once but twice. The same debt is duplicated, which I also informed the rep. of, but TransUnion has not deleted the debt nor corrected the duplication of the debt appearing on my credit profile. I have disputed the debt twice with no resolution. If the company can not provided documentation with my signature-which I did request on 2 different occasions, then the debt should be removed.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I hope this message finds you well. I am writing to formally address a violation of my privacy rights. I did not authorize the inclusion of this information on my credit report, and its presence constitutes a clear breach. This not only damages my reputation but also affects my creditworthiness, as it has resulted in the denial of new credit applications. 
The negative impact on my credit score is unacceptable, and I hold your organization responsible for this negligence.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (ID)

Dear Consumer Finance, I am writing to bring to your attention a deeply troubling situation with my Citibank account that raises serious legal and ethical concerns. 

On XX/XX/year>, I attempted to transfer {$10000.00} from my Citibank account to my XXXX XXXX XXXX account. I encountered a multi-factor authentication error and was instructed to call Citibank for assistance. After more than an hour of being transferred between various departments, I was ultimately locked out of my account. 

Despite providing all requested informationmy Social Security number, account number, phone number, a code sent to my phone, and my debit card numberthe representatives informed me that they could not unlock my account due to internal policies. This situation feels unjust and unacceptable, especially since I am currently out of the country for the next three months. 

Citibank 's only solution is to send a letter to my home address containing a code, which I can not access while abroad. This process not only puts me at risk of being stranded without access to my funds but also raises serious questions about consumer rights. 

When I inquired about other options, I was told there were none. I even requested to close my account and transfer my funds to my other bank, only to have that request rejected. This experience is frustrating and unacceptable, and I believe it reflects a systemic issue that should not be tolerated. 

I urge you to investigate this matter, as it highlights significant concerns about consumer protections in our financial institutions. 

Thank you for your attention to this urgent issue. I look forward to your prompt response.
Consumer complaint received 2024-08-27
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. (NC)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I took out an installment loan from XXXX XXXX, but it was later charged off with a balance of {$160.00} in XX/XX/2024. The charged-off status has been reported on my credit file for XXXX and XXXX. Even though it was charged off, it was sent to XXXX XXXX debt collection agency. XXXX XXXX offered a discount if I paid the balance in full, which I did on XX/XX/2024. They sent an email confirming that " this payment resolves your balance with XXXX, XXXX. Provided that any payment you made is not returned unpaid, we will report to XXXX XXXX XXXX that this account is resolved and no further attempts will be made to collect on your account. '' Despite disputing this account with Experian, XXXX has stated that the account balance is still {$160.00} and the account is open.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I saw XXXX XXXX  on my credit report. I have never went to this school. 
loan date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is on my credit multiple times. 

15usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15usc 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 conviction of crimes which antedates the report by more than seven years
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-24
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX last reported XX/XX/year> {$3200.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-10-24
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)

I am writing to inform you that I am a victim of identity theft resulting from a recent data breach. Fraudulent accounts and inquiries have been listed on my credit report without my authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX