davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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. (NJ)

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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-01
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)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2023-06-01
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. (NJ)

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 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 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (AZ)

My previous CFPB and XXXX  complaints about my card being blocked from Apple Pay were responded to by US Bank with a phone number for XXXX XXXX XXXX XXXX. 

I called the number to finally get my card added and was told my entire account is under review and it had nothing to do with the XXXX XXXX situation. When the representative couldnt provide any more details about what this means, I was transferred to manager XXXX ( XXXX ID # XXXX ) who was immediately combative on the phone, overtalking me and not attempting to assist at all. Right after I got off the phone with XXXX, my debit card was suspended and removed from my US Bank app completely. 

Im continuously dealing with issues when attempting to do normal, simple things like using my US Bank debit card or adding it to XXXX XXXX. When I call customer service to get it resolved, the representatives never know whats going on and I always get to a very rude supervisor who attempts to argue with me and proceeds to suspend my debit card. 

This is the second time this exact situation is happening - supervisor XXXX suspended my debit card the same way as reported in my previous complaint when I couldnt use my debit card. 

After hours more of phone calls and waiting on hold to get to different departments, Im still being told that a specialist needs to call me directly with absolutely no additional details provided. I have no idea when this block was placed or why, how long it will take for a specialist to contact me ( Ive never had a request like this actually fulfilled by US bank ), and what wouldve happened if I put money in my account or attempted to use it for something important. 

Dealing with this bank has been a headache from the start, I can barely make a transaction and Im constantly on the phone trying to resolve problems I wouldnt have at a more established bank. Overall a joke of an experience with very very low-grade supervisors answering customer calls.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. Upon reviewing my credit report, I have found several errors that I would like to bring to your attention. 

Firstly, the following personal information is incorrect : Account Number : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

Secondly, the following addresses are incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX. These addresses belong to someone else and should be deleted from my credit report immediately. 

Thirdly, the following personal information is incorrect : Account Number : XXXX XXXX and XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

In addition, there are several accounts listed on my credit report that I have no recollection of ever belonging to me. Specifically, Account Number : XXXX with XXXX XXXX, Account Number : XXXX with XXXX XXXX, and Account Number : XXXX with XXXX. I request that these frivolous accounts be removed from my credit report immediately. 

Lastly, Account XXXX : XXXX with XXXX has a payment history despite being a charge off. I request that this account be deleted from my credit report immediately. 

I understand the importance of maintaining an accurate credit report and I request that you investigate these errors and make the necessary corrections as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
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: TOYOTA MOTOR CREDIT CORPORATION (KY)

Toyota Motor Credit has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Accounts in violation : XXXX, XXXX 15 USC 1666B states a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 
Accounts violation : XXXX Please remove these accounts and late payments off your credit and consumer reports.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX you closed the report which is extensive and opened multiple times. You evidently did not read it and it still is unresolved after considerable time. The companies response can not be opened and I am still without credit. What can one think? Opinion -By ones works ( in this case none ) they are known. I merely post knowing you are a fraud agency. None of the complaints NOT ONE ever resolved. One must ask how ineffective can an entity or people be? Evidently there is no answer for that question because you demonstrate that time after time.
Consumer complaint received 2023-03-15
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. (GA)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions from myself
Consumer complaint received 2023-03-15
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 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.
Consumer complaint received 2023-04-01
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. (DC)

I reviewed the updated report in XXXX XXXX for 3 credit bureaus. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there inaccurate items on my credit report which are misleading to me. I believe the Bureaus have failed to authenticate these items. The items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2005 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-01
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. (IL)

I contacted Experian with proof that XXXX was reporting incorrect information. One account with affirm satisfied, but they are reporting that I still owe and my second account I owe $ XXXXsatisfied, but XXXX said I owe {$230.00}. XXXX XXXX reported that I missed XXXX payment but they wont updated that I paid, XXXX XXXX report the wrong amount they refuses to fixed. As a customer we count on these agencies to report the truth if they are not going to do it they should not have assess to our information.
Consumer complaint received 2023-04-01
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. (MD)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

Purchased a vanilla gift card for XXXX at XXXX on XX/XX/XXXX came home to activate it and it did not work they said that they I had to send them an email of the receipt and pictures of the gift card. They said it would be 30 days for them to give me my money I waited 30 days then they said I need to email them again so I emailed them pictures of the receipt and pictures of the front and back of gift card as well as the packaging it came in I did this again on XX/XX/XXXX. They are now telling me another 30 days. This company stole my XXXX and they should not be able to sell these cards if they are scamming people I spent several hours on the phone with them for them to tell me that this is the process. They took my money on XX/XX/XXXX it does not take this long when I have proof of purchase .this is going on 3 months I would like my refund or my gift card to work please help me with this issue
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am submitting this cease and desist request in response to violations of my rights by the collection agencies listed below under the Fair Credit Billing Act ( 15 USC 1666 ) and the Fair Credit Reporting Act ( 15 USC 1681 ). I believe these violations have impacted my financial well-being and request immediate intervention.

Under 15 USC 1666, I am entitled to dispute billing errors, and collection agencies listed below has consistently failed to investigate and verify the debt they claim I owe. Despite my attempts to dispute this debt, they have continued their collection efforts without providing the necessary validation, thereby violating federal law. 

Furthermore, in violation of 15 USC 1681, this collection agency has reported inaccurate and unverified information to credit reporting agencies. These actions harmfully affect my credit standing and are in direct contravention of my rights to accurate and fair reporting. 

Collection Agencies : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$5200.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$330.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX potentially negative months Date opened XX/XX/XXXX Open/closed Closed Status Closed.
Consumer complaint received 2023-03-15
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. (NY)

My name is 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to request the immediate blocking and deletion of specific accounts and inquiries on my credit file, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to ensure its accuracy. 
Please remove the following accounts from my credit file : 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 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 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 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
Consumer complaint received 2023-04-01
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX - XXXX  XXXX Balance - XXXX  XXXX XXXX  XXXX : - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA 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 : {$0.00} ; XXXX  XXXX Bankruptcy : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2023-03-15
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)

My XXXX student loans in the amount of {$170000.00} were paid off in XX/XX/2022 as I am a XXXXXXXX XXXX XXXXXXXX veteran and student loan payoff is one of the advantages to my status. 

I have contacted Transunion three times since XX/XX/2022 in order to update the balance and status of my account. XXXX has reported the new account information to Transunion, I know this because they sent the same updated account information to XXXX and XXXX. XXXX and XXXX are reporting the correct account information on their credit reports. Transunion keeps lying telling me that they have verified with XXXX that my account balance of XXXX is correct. 

Please make Transunion correct the account information on my credit report as the information is preventing me from getting a house.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX OF XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-05-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

To whom it may concern, I begging to help me with this issue as i am afraid to loose my house. I've submitted numerous applications to Planet Home Lending. This line of credit was taken out without my consent i was not aware of them. They actually did not appeared until recently and now they are trying to foreclosed. This is a second loan line of credit I owe XXXX on my first loan and just recently solved me past due with them as well. Planet Home Lending has never tried to assist me in anyway. I feel discriminated by them many times I told them that i was not aware of this loan they refuse to show me proof and even thou I am trying to solve this matter now they are trying to take my only home.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2023, I received a letter from Bank of America that they sent me on XX/XX/2023 stating that my request for a Bank of America Customized Cash Rewards Visa Signature care was denied. I DID NT APPLY FOR THIS CARD! I do not and never have had any kind of business with this bank. I visited the local branch of Bank of Americal to report this incidence. I spoke with a bank employee at this facility. She looked up the application an informed me that the document was submitted from a person in XXXX XXXX, TX. My SS number, name and address were correctly documented on the application. The email used was off by an additional " E '' and my birthday was off by the incorrect day of the month. As soon as I could, I went into XXXX, XXXX and XXXX, reviewed my credit reports and froze my credit accounts.