davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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. (GA)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. Please delete ASAP.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-30
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)

Experian has been reporting a charge off on my credit report which has an adverse affect on my life because it is making it difficult for me to acquire future credit. XXXX and XXXX has removed the account from the report but Experian hasn't complied. According to the Fair Credit Reporting Act 15 USC1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their graveresponsibilities with fairness, impartiality, and a respect for the consumers rightto privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX  XXXX is a financial institution by definition under that title. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. XXXX  XXXX is a financial institution by definition under that title.
Consumer complaint received 2023-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Called TransUnion on XX/XX/2023 and spoke to XXXX. XXXX XXXX that they are fraudulent inquiries on my credit report. 

Provided XXXX names and date of all the fraudulent inquiries and XXXX said they will b deleted within XXXX hours. 

Checked my TransUnion credit report today and all they inquiries XXXX said that would be deleted are on my credit report. 

TransUnion can obtain the recorded conversation they recorded that would corroborate my position. 

My attorney informed that I can sue and he will request XXXX recorded phone conversation with XXXX on XX/XX/2023, which XXXX acknowledged all the hard inquiries will get deleted with XXXX hours.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-21
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. (TX)

I'm writing to you because after looking at my credit File which you report, there seems to be data Which i can not make heads or tales of. Please view the item below XXXX XXXX XXXX XXXX account XXXX Date of last activity has been re aged. and 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Phoenix Financial Services LLC (NY)

Dispute Center Let 's get started by taking a look at your report. 
Completed Disputes XX/XX/XXXX Phoenix financial serv XX/XX/XXXX Phoenix financial serv XX/XX/XXXX DISPUTE CENTER Report Number XXXX Date Generated XX/XX/XXXX PHOENIX FINANCIAL SERV Account XXXX Updated Information on this item has been updated Submit a new dispute with additional relevant information to XXXX at XXXX XXXX XXXX, XXXX XXXX TX XXXX. 
File a Complaint You may file a complaint about XXXX or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General 's office. You may submit a compliant to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by mail at Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX IA XXXX XXXX 
Dispute With Other Bureaus There are 3 credit bureaus that report your credit information : XXXX, XXXX, and XXXX. You should check all three credit reports to be sure that the information in each is complete and accurate. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Disputes on XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputes on XXXX Our specialists are available to assist you : Mon - Fri : XXXX to XXXX XXXX Contact us : ( XXXX ) XXXX Report Number XXXX Date Generated XX/XX/XXXX Before After PHOENIX FINANCIAL SERV Your information may have changed since XX/XX/XXXX Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$730.00} Balance updated XX/XX/XXXX Original balance {$730.00} On record until XX/XX/XXXX Payment history XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX Balance history XX/XX/XXXX Amount of this account was {$730.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Your statement Y ITEM DISPUTED BY CONSUMER Comment : Current : I have never received a billing statement from these companies. I do not know about this debt. 

Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2023-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the improper use of my credit report prior. And even have submit the report showing my identity being stolen/compromised. 


XXXX. XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXX. XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXX. XXXX ( XXXX ) - XX/XX/2023 XXXX. XXXX XXXX ( Finance ) - XX/XX/2023 XXXX. XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXX. XXXX XXXX ( Bank ) - XX/XX/2023 2023
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

To whom it may concern, I am writing to dispute the following issues with my Bank of America credit cards : * The Bank of America Cash Rewards Credit Card has charged me excessive junk fees, which is illegal. 
* The Bank of America Travel Rewards Credit Card is reporting a missed payment on my credit report, even though I never missed a payment and the account is closed. 
I have never missed a payment on either of these credit cards. I have always paid my bills on time and in full. I have also never received any notice from Bank of America about any late payments. 
I believe that Bank of America is violating my consumer rights by charging me excessive junk fees and by reporting a missed payment on my credit report when I never missed a payment. 
The following consumer laws and codes protect me from these practices : * The Truth in Lending Act ( TILA ) prohibits creditors from charging excessive fees on credit cards. 
* The Fair Credit Reporting Act ( FCRA ) prohibits creditors from reporting inaccurate or incomplete information on your credit report. 
* The Consumer Financial Protection Act ( CFPA ) prohibits unfair, deceptive, or abusive financial practices.
Consumer complaint received 2023-03-23
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. (WV)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit 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: GOLDMAN SACHS BANK USA (CT)

I initiated a dispute on or about XX/XX/2023 after having been overcharged by a merchant for a transaction taking place XX/XX/2023. 

Goldman Sachs closed the dispute in the merchants favor and stated that I could be mailed evidence on behalf of the Merchant which had been shared with Goldman Sachs. 

I reopened the dispute and waited to receive the merchant 's evidence ( mailed by Goldman Sachs ). I received the merchant 's evidence which effectively proved my case, as the Merchant 's evidence showed a very different subtotal than the subtotal which was presented to me, the customer ( I had shared an image of the original receipt with Goldman Sachs at the start of the dispute process ). 

Despite clear evidence that the merchant improperly inflated the subtotal of the transaction during its final processing, Goldman Sachs closed the dispute once again in the merchant 's favor. I have since reopened the dispute for a third time ( on XX/XX/2023 ), after having notified Goldman Sachs that I would file both FTC and CFPB complaints due to their failure to correctly uphold the dispute in my favor after having been shown conclusive evidence of the merchant 's treachery.
Consumer complaint received 2023-08-30
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. (MO)

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.

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 2023-03-23
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. (AZ)

The following accounts are not mine, and these are fraudulent transactions of identity theft. 

1. XXXX XXXX services original creditor - XXXX XXXX- {$360.00} Date XX/XX/2023 XXXX. XXXX XXXX XXXX original creditor XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) Amount - {$6500.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Amount - {$690.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  Amount - {$1300.00} Date - XX/XX/2023 2023
Consumer complaint received 2023-03-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (IN)

We made the regular monthly payment in excess of the loan payoff online on XX/XX/2023. The funds were removed from our account on XX/XX/2023. BSI Financial has not applied the funds to our account as of XX/XX/2023, and is refusing to apply said funds. We called and spoke with a representative, that informed us that they will NOT apply our funds to the balance owed, and that we must submit a payoff request, and pay by Certified Check or Wire Transfer. Both of these methods will cause us to be subjected to additional costs, and in the case of a wire transfer, those are over half of the outstanding balance. As they accepted this payment, we do not have the additional funds to send at this time. 

Our account is now accruing late fees, as they have held our funds for over 2 weeks without applying them to the loan.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$270.00} XXXX XXXX Balance XXXX {$880.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX  XXXX Balance : {$2.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$1300.00}.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

I had already filed a complaint with US Bank their response does not make sense and this issue is not resolved. 
My account was compromised. 
Someone logged in from another device /location and linked to an external account. 
No verification was done to confirm it was me. 
Email alerts were sent and I did not receive them. I should be getting text messages. 
Money was transferred on XX/XX/XXXX, XX/XX/XXXX totaling {$9500.00}. There were not red flags raised stating this was against user patterns. I did not get any text messages indicating money was transferred just emails which must be gone SPAN and they tell me when I call to check my SPAM email when I call them. In this case I was not expecting any emails so if they happen to go SPAM email and I do not see them they are missed, SMS is better approach and should be enabled by default.

Also how can account be linked without any proper ID verification?

Their agent said anyone can link to anyone 's account now that is scary when account information is compromised.

Account 2 factor authentication needs to be enabled by default going to text message. I have this for everything even Fidelity sends 2FA to my phone via a text message when an bank account is linked to confirm its me., US Bank credit card also has this by default and someone actually was trying to pretend to be me but failed on 2FA using the text message and account was disabled.

US Bank customer support also said I will be getting money lost due to Fraud.
Consumer complaint received 2023-07-21
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)

A hard inquiry is on my credit report from XXXX XXXX. Ive contacted all 3 major credit bureaus on XX/XX/2021 and told them that it wasnt mines and that I had no knowledge of it and they refuse to move the hard inquiry or even considered that Im a victim of identity theft.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Dear, CFPB My name is XXXX XXXX & my old name is XXXX XXXX until last year XXXX when I got naturalized. 
Ever since I got naturalize last XXXX, my credit history & scores were removed from Experian. I sent all the supporting documents to XXXX, XXXX XXXX Experian to update my name. Although, two companies were able to merge or add my new name on top of my old name to keep the score & histories. 
However, Experian is the only company not able to merge or add my name into the credit history, that's why I have XXXX score with 1 hard inquiry I have already contacted Experian numerous times & file a dispute online. 
Experian kept telling me it's not them having the issue, it was my creditor who's not reporting under a new name. So Now my bank rep is involved in my case to support me at this moment. I'm sending you a copy of supporting documents as well. 

Now I'm regretting why did I change my name & it's stressful to see XXXX XXXX XXXX on Experian portal. Only thing listed on Experian portal is my past home addresses & 1 hard inquires. I appreciated if you can carefully read my supportive documents. 

contact me if you need to access Experian Portal or Sensitive questions. 
Thank You. 
XXXX XXXX.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are 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 accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}