davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-23
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. 
The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Dear Sir/Madam, I am writing to file a formal complaint against HSBC XXXX regarding the delayed release of inherited funds from my late father 's account. I have followed all the necessary legal procedures, and a judge has issued an order to distribute the funds to me. However, despite my lawyer submitting all required documentation to HSBC XXXX, we have not received any updates or progress from the bank, except for a confirmation of receipt. 

The relevant details of the situation are as follows : Bank : HSBC XXXX Legal Proceedings : All necessary legal steps have been taken, and a judge has issued an order to distribute the funds to me as the rightful beneficiary. 
Timeline : It has been almost 8 months since my lawyer submitted the required documentation for the first time to HSBC XXXX, but there has been no action or communication from the bank regarding the release of the funds. 

I am deeply concerned about the prolonged delay in releasing the inherited funds and the lack of communication from HSBC XXXX. I believe this may be a violation of banking regulations or consumer protection laws.

I kindly request the Consumer Financial Protection Bureau to intervene and investigate this matter. I seek your assistance in ensuring that HSBC XXXX promptly releases the funds as ordered by the court. Furthermore, I would appreciate any guidance or advice you can provide regarding the legal recourse available to me in this situation. 

I am available for any additional information or clarification you may require. I appreciate your attention to this matter and your efforts in resolving this issue. 

Thank you for your prompt action and assistance. 

Sincerely, XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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 2023-05-23
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HAWAIIAN, INC. (HI)

On XX/XX/2023 I applied on the First Hawaiian Bank website at about XXXX for their " Pure Checking '' checking account. After filling in the online forms and pressing submit, the next screen said I was declined. 
I called the number on the screen ( XXXX ) and talked with XXXX. I asked him why my application was declined and he could not clearly explain why. I told him I currently had credit locks on all 3 of the major credit bureaus ( XXXX, XXXX, and XXXX ) and he said it wouldn't affect their process to check to see if I can open an account. 
I asked to speak to his supervisor, he said she wasn't available. Her name is XXXX, the manager of FHB Direct, he told me. 
It is XXXX and I haven't gotten a call back from XXXX XXXX 
I received an email from First Hawaiian Bank that said : " Dear XXXX XXXX, Thank you for your interest in opening the following account ( s ) with First Hawaiian Bank : Pure Checking Unfortunately, your application has been declined. 

If you think your application was declined in error, or feel you are receiving this email in error, please contact us at ( XXXX ) XXXX or toll-free at ( XXXX ) XXXX. 

You will need your application ID : XXXX Sincerely, First Hawaiian Bank '' I think XXXX told me incorrect information about the process that his own bank does when a person applies for a bank account. 
I have had adverse letters before for credit card applications, and they all explained the reason ( or at least who to contact to find out why ) I was declined the credit. 
I don't understand why the email from First Hawaiian did not include the reason for the denial. 
Is First Hawaiian Bank in compliance with applicable laws governing disclosure and/or transparency when customers apply for bank accounts? 

Therefore, I would like a written explanation of the reason for my denial. 

All phone calls will be ignored on advice of counsel.
Consumer complaint received 2017-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optimum Outcomes, Inc. (NC)

My Identity Information has previously been compromised and used to open several accounts and inquires without my permission. These are just some of the accounts that were opened that I do n't recognize.
Optimum Outcomes Inc XXXX XXXX Emergency Medical Date opened- XXXX XXXX, 2016 Balance-XXXX This account is fraudulent and needs to be removed off of my credit files with XXXX, XXXX and XXXX.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, 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. (MD)

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE : Fraud report TO WHOM IT MAY CONCERN : Dear Sir/Madam ; My name is XXXX XXXX XXXX XXXX XXXX resides at the above mentioned address in XXXX, Maryland. My last four of SSN : XXXX. I work with : XXXX XXXX, XXXX as XXXX. I received a copy of my credit reports from XXXX, Equifax, XXXX and XXXX with the intention of trying to improve my credit and take care of my responsibilities, but noticed a little information on my credit report that seems inaccurate, inconsistent & unverified, and I need it fix immediately. They are not reporting consistently, and accurately about my information, which I identified as some discrepancies. Equifax, and XXXX repots on my credits that on XX/XX/2022 an unknown & unauthorized individual fraudulently attained my personally information and made claims to a company called : XXXX, at address : XXXX XXXX XXXX XXXX  OH XXXX XXXX through 'Inquiries ' which has impacted my credit, and credit scores negatively. I contacted these consumer reporting bureaus to dispute, which processes are ongoing, but they requested me to contact your office to report as a way to initiate the dispute process so they can delete the information from my credit report and update my account. I read the Fair Credit Act where it says by law, I have the right to challenge anything inaccurate, unverified, inconsistent. Some of the people reporting things on me are not reporting accurate information.

However, according to 15 U.S.C Sec. 1681 ( a ), ( b ), ( e ), ( f ) which guaranteed me, or any consumer constitutional rights guaranteed by law. This law basically guarantees consumers rights to 'consistent-accuracy about reporting. This particular incident is a 'fraud ' and is an identity theft affecting me and my credit reports. This reporting process does not meet compliance standards in guaranteeing my civil rights as provided by compliance standards. Henceforth, it is upon these legal grounds I request you initiate an investigation, and request them to delete any, and all information about me in their companys system because they are inaccurate, and it compromised my identity. Kindly investigate, correct and update my information. Once confirmed I request you provide me an update as soon as possible in the next 30 days as prescribed by law.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of. My information was not investigated properly.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To TRANS UNION!! : This Is my FINAL warning to them, they must think this is a game, they unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report. Ive sent letters for months! And nothing has been removed and when I called one of their agents told me that all of my letters have been denied because they thought that the letters are not from me. THEY ARE ALL FROM ME. TRANS UNION! them along with the other Accounts listed below have defrauded me for the LAST time 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires AND Accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX My identity has been stolen they are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Consumer complaint received 2023-05-23
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX XXXX. Please update ASAP.
Consumer complaint received 2023-05-23
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)

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

The company placed me in a financial wellness program in XXXX of XXXX, effectively bringing the loan current. All payments from XXXX of XXXX thru XXXX of XXXX were made on time. I use a third party bill payment service with electronic receipts to prove all of the payments were in fact made on time. I have electronic receipts from my bill payment service in addition to my bank statements which relect all of the payments from XX/XX/XXXX -- > forward were in fact made on time. 

After noticing a sudden XXXX point drop in my XXXX score ( I was alerted through the service ) I immediately pulled up my credit report and saw it was attributable to a 30 day late mark randomly posted in XXXX of XXXX. This 30 day late mark was posted well ahead of when the XX/XX/XXXX payment was even due. This is random not accurate reporting to the credit reporting agencies. I called XXXX and spent over an hour on the phone with a customer service representative providing confirmation numbers for each payment, and I was assured an investigation would take place and the 30 day late mark for XXXX of XXXX would be removed because the payment was no where near due. This never happened.
Consumer complaint received 2023-05-23
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
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. (TX)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-22
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. (GA)

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 XXXX Account Number : XXXX Account Name : SECURITY FIN Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-23
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are OPEN. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is reporting wrong address I have never lived at and when I try to dispute, they want to allow me to. they want to tell you who the information came from. But the information on the address is completely wrong. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX