davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX 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 2023-05-20
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. (CA)

This is my fourth 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, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} U S DEPT OF EDXXXX XXXX Balance : XXXX U S DEPT OF EDXXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$780.00} US DEPARTMENT OF EDU XXXX XXXX : {$4000.00} US DEPARTMENT OF EDU XXXX Balance : {$3400.00} US DEPARTMENT OF EDU XXXX Balance : {$3700.00} US DEPARTMENT OF EDU XXXX Balance : {$2100.00} US DEPARTMENT OF EDU XXXX Balance : {$5300.00} XXXX, XXXX XXXX Balance XXXX {$690.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  Balance XXXX {$780.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX  Balance : {$100.00} XXXX XXXX XXXX Balance : {$690.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (IN)

Just recently, I opened a Roth IRA Account with Robinhood Financial , LLC and, I transferred into said account an amount of {$2800.00} via ACAT from my Roth IRA Account with XXXX. Soon after said transfer, when I tried to trade at Robinhood, I did not like the Trading Platform at all. Hence, I called Robinhood numerous times to talk to someone and nobody answered the telephone and nobody returned my call. It seems impossible to be able to talk to a live person at Robinhood. Hence, I decided not to do any business with Robinhood and initiated a transfer back of my money, {$2800.00} from Robinhood Roth IRA Account to my XXXX Roth IRA Account via ACAT. Robinhood is retaliating against me for closing my account with the Company and is preventing me from effecting said transfer by placing unwarranted restrictions on my account and by subjecting me to unwarranted harassment.
Consumer complaint received 2023-05-30
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. (VA)

XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Credit usage 96 % Balance {$3100.00} Balance updated XX/XX/XXXX Credit limit {$3200.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX - XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open. {$130.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$130.00} Highest balance {$4000.00} Monthly payment {$66.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 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 results from an alleged identity theft. not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-06
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. (TX)

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 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: National Credit Systems,Inc. (TX)

On XX/XX/2023, it has come to my attention that NATIONAL CREDIT SYSTEMS has included an unfavorable remark on my credit report, as indicated by XXXX XXXX. I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that NATIONAL CREDIT SYSTEMS has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Consumer complaint received 2023-03-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NY)

I opened a line of credit with Affirm on XX/XX/XXXX for a vacation with XXXX. The same day the vacation was canceled. I received confirmation the vacation was canceled and a refund was issued. A few days later Affirm confirmed the loan and charged me for the full amount of the vacation. They verified {$1300.00} was refunded but have not credited my account and they continue to charge me for the full amount of the vacation which was over {$2400.00}!
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (AZ)

It is now XX/XX/2023 Usbank has caused a traumatic financial hardship for me and my entire family. I was notified that my account is being closed and to wait on my remaining funds in the mail. I have contacted the responsible department that placed the hold on my account several times. I am unaware of where my money is also when will it be returned? It is now going on 6 weeks since I have lost authorization to my funds. I have not been confirmed nor notified on whether both accounts have been closed. Every Usbank customer service representative is unaware of what's going on with my money or when it will be returned to me. 

I have a family to feed and I have bills continuously coming that I'm unable to pay. My child 's graduation events had to cancelled due this hold placement. Having to explain that to my child is absolutely XXXXThis has caused repeatedly traumatic financial hardship on me and my family. I will continue to contact XXXX also the local network to get my story out as I continue to wait on my funds. We are going on 2 months now.
Consumer complaint received 2023-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

To who it XXXX concern ..since XXXX i had problems with my mortgage with wells fargo my problems are fees that i did no authorize adjustable rates when trying too modify or refinance my mortgage pictures taking for insurance with out me noing it and being charge for years forced insurance policys. insurance claims denied because storms trees hitting my home placing extra fees to mortgage when my payments were on time and constant calls about going into forcloser i lost the property at XXXX XXXX XXXX XXXX il XXXX XXXX .. and high taxes when property value never match with taxes applied my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  il XXXX wellfargo mortgage company is my old lender
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (NV)

Dear XXXXThis is response to complaint- XXXX, sent by you on XXXX XXXX. 

I have sent you, My Id, my Identity theft report and a letter stating my cliam. 

Ireferyou to 15 U.S.CODE 1681-C-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. 

A. Except or otherwise provided in this section, 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 aleged identity theft, no later than 4 business days after the date of receipt by such agency.

1. appropriate proof of the identity of the consumer. ( attached is my drivers license front and back in PDF ) 2, A copy of identity theft report.

3. The identification of such information by the consumer 4. A statement by the consumer that the information is not information relating to any transaction by the consumer. 

( C ) AUTHORITY TO DECLINE OR RESCIND. 

( 1 ) IN GENERAL.

a consumer reporting agency may decline to block, or may recind any block, of information relating to a consumer under the section, if the consumer reporting agency REASONABLY DETERMINES THAT- ( A ) the information was blocked in error or a block was requested by THE CONSUMER in error. ( I have stated it in my letter. ) ( B ) the information was blocked in error or a block was requested by the consumer on the basis of a material misrepresentation of fact by the consumer relevant to the request to block : or ( it was not in error as stated in my letter. 
( C ) the consumer obtained possession of goods, services or any money as a result of the blocked information. ( I have not ) These are the federal consumer laws. Everything else you requested else you requested in your email dated XXXX, XXXX XXXX is not relevant. 

Your company policy is not above the law, therefore you must block and delete the mentioned accounts or you will be in default. 

Regards,
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone use my information and identity to make some purchases with My edd prepaid card. It was a total of 3 transaction. All 3 for the same Merchant. When I notice I immediately reported to bank of america and they open a claim. After a long time they aprove and reimbursed me for XXXX of the XXXX transactions and I've been waiting for over 5 months and I haven't get any response or updates about the other XXXX transactions. Every time they told me that it's still under investigation. But they keep telling me that they have 45 days to resolve and it's been more than 45 business days.
Consumer complaint received 2023-05-29
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. (FL)

This is my other complaint that I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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 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 2023-05-29
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: Experian Information Solutions Inc. (NY)

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 2023-05-29
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00}.
Consumer complaint received 2023-05-29
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. (CA)

Ive been a victim of identity theft been reporting to XXXX, XXXX and This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 

{ dispute_item_and_explanation } I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Some how fraudulent information still auto verified when the merchant account is linked to an address that Ive never stayed at nor is it on my report