davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (NJ)

I have noticed several accounts on my credit report that do not belong to me. These accounts were opened without my knowledge or consent, violating my privacy rights under 15 U.S.C. 6802. I did not authorize the sharing of my personal information, nor was I given the option to opt out before these accounts were furnished on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the immediate removal of these fraudulent accounts from my credit report. Additionally, I demand that any negative information associated with these accounts, including late payments and charge-offs, be deleted. I am a victim of identity theft and did not authorize these accounts ; therefore, they should not be reported on my credit file. 

This situation has caused significant harm to my financial well-being, and I request your prompt action to correct this matter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TRANSUNION FILE NUMBER : RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my XXXX credit report, is the result of that XXXX. 

Accounts : Account numbers : Date Opened : XXXX XXXX XX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. Section XXXX ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you Transunion. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

MY SON AND I SHARE THE SAME NAME AND HE HAS A HOSPITAL BILL FOR {$590.00} UNDER COLLECTIONS. XXXX AND XXXX ACCURATELY HAS MY SON IN COLLECTIONS BUT EQUIFAX PUT ME IN COLLECTIONS INACCURATLEY. I CALLED EQUIFAX MULTIPLE TIMES ON XX/XX/year>, XX/XX/year> AND XX/XX/year> AND SPOKE WITH TWO DIFFERENT SUPERVISORS AND NOTHING GETS RESOLVED. THEY SEND ME LETTERS STATING THEY INVESTIGATED THIS ISSUE AND ITS ACCURATE. I ALSO CALLED THE COLLECTION AGENCY XXXX XXXX AND XXXX A COUPLE OF TIMES AND THEY VERIFIED ITS NOT MY COLLECTION AND IT BELONGS TO MY SON. MY SON AND I EVEN CALLED THE COLLECTION AGENCY ON A THREE WAY CALL TO VERIFY SOCIAL SECURITY NUMBER AND DATE OF BIRTH.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

XX/XX/year> : I sent about {$1600.00} to WISE US VIRTAUL ACCOUNT. This was to add money in my WISE account. 

So this transaction should have been : Me -- XXXX XXXXXXXX XXXX -- > US WISE BANK ( Virtual account ) -- -> WISE MY Bank But then, for some reasons ( they insist I didn't write down my personal number ), Wise failed to recognize the money I sent. It was belong to me, but because of failure in recognition Wise rejected to add my money in WISE MY BANK. 

They said they rejected the transaction. 
I do understand they rejected to tap in but, rejection doesn't mean I get refunded. Because when they rejected, the money I sent is back to US WISE BANK and stuck there. 

From US Wise bank to my XXXX XXXX it can not be automatically sent as US Wise bank was virtual account. Wise should take back money in their account and put in my XXXXXXXX XXXX information for the completion of refund. 

While I proved everything that shows I didn't receive any refund, and ask for them to prove the proof that their US WISE bank send to my XXXXXXXX XXXX, they just showed me that they rejected the transaction from my wise bank to us wise bank, which never means refund. 

I explained this several times after thorough review with XXXX XXXX XXXX but wise doesn't refund at all. So I decided to file a complaint.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Debt collection is wrong. They need to dispute it. I have XXXX. It has proven what I payed for on debt collection XXXX XXXX and also when I had XXXX XXXX  XXXX in XXXX California.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always make my payments on time. Im certain of that. What confuses me is why this company is showing me as late on some months. According to USC 1666b, any billing mistakes should be fixed, and my account should be marked as paid on time.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Dear Consumer Financial Protection Bureau Team, I have an outstanding issue with the received the Synchrony Bank Amazon account since XXXX, XXXX. I closed the credit card due to the Amazon discrepancies in charges/credit needing to be reconciled correctly. 

On XX/XX/XXXX, I replied and faxed my supporting documents to the Synchrony Bank Amazon Account team by certified USPS mail. I also sent the company a Demand Letter, to which they replied that it would take 60 days to have a resolution. So, I waited, and when I did another follow-up, I got the same request for information from Synchrony and reply again on XX/XX/XXXX. 

Attached are the consolidated documents submitted to Synchrony Bank Amazon account department : A recent document requested by Synchrony Bank and submitted on XX/XX/XXXX Demand Letter dated XX/XX/XXXX A letter from Synchrony Bank : We need more Information form dated XX/XX/XXXX, and my reply dated XX/XX/XXXX, USPS registered mail on XX/XX/XXXX A mail letter from Synchrony Bank on XX/XX/XXXX, acknowledging reviewing my inquiries I received a letter from the California State Controller indicating that Synchrony Bank couldnt reach me. I never moved or changed my phone number or email. 

I am requesting a {$1000.00} credit check to be sent to me. I have been getting a run around about my dispute. Please help! 

Thank you for your assistance in this matter. 

Best regards, XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Meta Payments Inc. (LA)

My XXXX XXXX access was removed several weeks ago. I bought Meta 's service to try and contact support who informed me there is a specalized team that I am unable to reach out to regarding my XXXX XXXX access.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Consumer complaint received 2024-10-15
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. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Action revenue recovery # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I did a closing on a property on XX/XX/XXXX and the title company did a wire transfer to my Bank of America account in the amount {$300000.00} but the money is in the credit card r account of mine and not in my checking account. The funds are in my credit card account as a large balance as a credit and must be moved to my checking account. The bank refuses to move the funds to my checking account.
Consumer complaint received 2024-10-15
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. (GA)

This complaint is regards to late/missed payments reporting inaccurate on my consumer credit report.Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 
ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible acturacy of the information concerning the individual about whom the report relates. 

I have attached a screenshot shot of my credit report highlighting the errors and inaccuracies.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (IL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (DE)

I am writing to dispute a debt that is being reported by XXXX XXXX XXXX under account number XXXX. This debt is being incorrectly assigned to me, and I am requesting its immediate removal from my credit report. Here are the details of my situation : Insurance Coverage at the Time of Service : At the time of the XXXX XXXX in question, I had valid health insurance that should have covered these expenses. I have confirmed with my insurance provider that they received and processed claims for these services. No Outstanding Balance : According to my insurance records, there should be no outstanding balance for these XXXX XXXX. The debt reported by XXXX XXXX XXXX does not belong to me and is a result of an error either in billing or insurance processing. Request for Validation : I have previously requested validation of this debt from XXXX XXXX XXXX, but have not received satisfactory evidence that this debt is mine or that it is owed. Given these circumstances, I am requesting the following : Immediate Removal of the Debt : Please remove this erroneous debt from my credit report as it is not valid. If there is any documentation that proves this debt is mine, I request that you provide it. Otherwise, this collection needs to be removed to reflect accurately on my credit report. I appreciate your attention to this matter and look forward to resolving this issue promptly.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024 I went to XXXX in XXXXXXXX XXXX ( address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) and bought a single milkshake which cost around {$7.00}. I paid through the drive-thru with XXXX XXXX using my Bank of America debit card. I was not given a receipt. The next day XX/XX/2024 I noticed XXXX had charged me {$420.00}. I figured it was an error and filed a dispute with Bank of America, who told me they would investigate. About a month later they told me they denied my claim due to lack of evidence and said since I used my XXXX XXXX, that it couldn't have been fraud. I then went in person to speak with the XXXX of XXXX to see if they could pull up the receipt for the transaction so that I could show Bank of America and get my money refunded. However, the XXXX let me know their financial records erase after 30 days. I even tried contacting their corporate phone number, but could not reach anyone that could help me. I once again tried to file a dispute with Bank of America letting them know what the XXXX had told me and trying to explain my situation. They once again denied my claim a couple of months later. I don't know what else to do to get my money back since it is clear that it was either an error or my money was stolen from XXXX. I am closing my account due to being unhappy with Bank of America 's service during this situation, however this is my last effort to get my money back before I do so. I have also recently filed a complaint with the Better Business Bureau with the same information.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2024-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX REPORT NUMBER : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
Accounts : Account numbers : XXXX XXXX XXXX XXXX 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 need these inquiries blocked and removed from my Experian credit Report INQUIRY NAME : INQUIRY DATE : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Experian to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human XXXX  or XXXX XXXX  if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self attestation to you Experian. 
Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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. (MS)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.