davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA (CA)

On XX/XX/2023, XXXX XXXX contacted FNBO to inquire about increasing the limit on her XXXX account so she could pay the security deposit and first month rent on an apartment in XXXX, CA. FNBO advised her to contact XXXX since XXXX was new to FNBO and they did not know how to increase the limit. XXXX XXXX contacted a number she believed was XXXX customer support at ( XXXX ) XXXX but the number was a scam number online. Please see enclosure ( 1 ) the first outgoing call at XXXX is made to this fake number. When she contacted this number, she was told that someone used her bank account to purchase bitcoin. XXXX XXXX immediately called FNBO to verify the claim and FNBO informed her to work with XXXX to address the issue. See outgoing call at XXXX on enclosure ( 1 ). The fake XXXX number provided XXXX XXXX with a cancelation code to enter into a bitcoin ATM in XXXX, CA, and FNBO called XXXX XXXX and told her to enter dollar amounts in the ATM to cancel the transactions. See next call on Enclosure ( 1 ). Once XXXX XXXX entered the amounts with the cancelation code, she received a text message from ( XXXX ) XXXX indicating that the amounts entered were cancelled see enclosure ( 2 ). 

After receiving this text, XXXX XXXX called FNBO and learned that there were multiple pending transactions on her checking account. See last call on enclosure ( 1 ). Despite her request that FNBO cancel these unauthorized transactions, FNBO informed her to wait until they posted, placed a provisional credit on her account, and thereafter initiated an investigation. 

On XX/XX/2023, FNBO concluded that no error had occurred with regard to the transactions in dispute and reversed the provisional credits on her account. The letter stated I am not able to credit your account since the merchant you authorized to bill your account has provided the services or merchandise as requested. See enclosure ( 3 ). The only evidence FNBO used to resolve the dispute were bitcoin XXXX receipts for the transactions in dispute. See Enclosure ( 4 ). 

The four transactions from XXXX XXXX FNBO checking account were unauthorized. She was a victim of fraud and she filed an Identity Theft Report with the FTC and a complaint with CFPB regarding this matter. XXXX XXXX does not use bitcoin, and she did not receive any service or merchandise as a result of the fraud. Further, FNBO was involved in this matter. She initially called FNBO to raise her XXXX limit and was told to contact XXXX. Further, she contacted FNBO again to verify the claim that someone had used her checking account to buy bitcoin. FNBO again referred her back to XXXX. Additionally, FNBO called her and supplied her with numbers to enter into the bitcoin ATM. Given FNBOs role in this matter, it is unconscionable for FNBO to take the position that there was no error and to wash its hands of this matter and point to someone else.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : XXXX. A detailed review of the information associated with the charged-off account. 
XXXX. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history. 
XXXX. Correction of any inaccurate or unverifiable information. 
XXXX. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Consumer complaint received 2024-07-10
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. (NY)

Hello my name is XXXX XXXX and i am writing this letter distraught and in emotional distress. XXXX and Experian are showing inaccurate information to my report. They both are reporting an account i did not consent, inquire or benefit from. I have requested several times to remove account. This is hurting my credit profile tremendously. I have no debt on my report but this one and it is hurting me. I called both bureaus over XXXX times and no help. I asked to speak to supervisor and i am placed on hold for hours on. They are not protecting me as a consumer. PLEASE HELP I AM COMPLETELY AGITATED.
Consumer complaint received 2024-07-10
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. (PA)

To whom this may concern, my name is XXXX XXXX and I am writing this statement on my own behalf. Per 15USC Code 1681S02 ( a ) ( 1 ) ( a ( & ( c ) of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflecting on my consumer credit reports s they violate my rights as a federally protected consumer. Per the US Codes provides, they summarize that is is NO-Permissible for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes as identity theft. As a federally protected consumer, i am demanding the deletion and removal of ALL the accounts listed in this report immediately.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

After obtaining my consumer report, I noticed some inaccurate information reporting on my XXXX XXXX account ( # XXXX ) by XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to fair and accurate credit reporting. However, XXXX is reporting two consecutive 30-day delinquencies for the months of XX/XX/2024 and XX/XX/2024 on my account, which is incorrect. If XXXX can not provide proof of the alleged late payments, this account must be updated to " Paid as Agreed, Never Late '' ( XXXX ). I request prompt action to correct this discrepancy.
Consumer complaint received 2024-09-30
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. (PA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-01
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. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-12-23
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I bought an American Express Pre-Paid gift card for {$200.00} in XX/XX/23. I have attempted to use it at a few retailers XXXX XXXX XXXX, XXXX, XXXX ) and it has been declined every time. Each time it's declined there has been more than enough money on the card to cover the purchase, and when it's declined I'm told it's a processor error. I have called customer service 5 separate times, and I have gotten different, useless advice like wait 24 hours or make sure your card has enough money ( I have done both without the card working ) each time I've called. I just want to access my money.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AL)

I made a promotional purchase on XX/XX/XXXX of {$1000.00} from Best Buy using the Citibank card. Since that purchase, I have made payments totaling more than enough to clear my promotional balance by the XX/XX/XXXX due date. When reviewing my statement, I see Citibank still shows me owing a balance on my promotional purchase. I called and requested my payments be reallocated to correctly reflect and pay off the promotional balance to keep me from being charged over {$250.00} in interests. I was told by Citi that I had to call after each payment and ask that my payments be reallocated. That's a ridiculous request. I made all payments online which should indicate to them I have no time to sit on the phone to make such a request. Additionally, Citibank provides no option when making an online payment to request allocation to the promotional balance.
Consumer complaint received 2024-08-01
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-09-25
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: EQUIFAX, INC. (AR)

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 informationisinaccurate.
Consumer complaint received 2024-10-01
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-09-30
Product: Credit reporting 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. (MD)

Hi TransUnion, I just paid for my credit report and I saw those fraud inquiries that shall delete from my credit report. 

THOSE INQUIRIES ARE FRAUD : CONSUMER PORFOLIO SERVICES, INQUIRY DATE : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-09-09
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-30
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. (VA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern, I am reaching out to inform you that upon receiving my credit report, I noticed several errors that require immediate attention. It appears that you have reported incorrect personal identifiers in my file, which poses a significant risk to my identity if not rectified promptly. I am disappointed that this has occurred, and I kindly request that you take the necessary steps to remove all inaccuracies from your records without any delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. I do not authorize you to retain or report any information that consists of unverified claims about me, potentially outdated or inaccurate. I want to emphasize the importance of using only correct and up-to-date information about me. As per my understanding, you have a 30-day window to complete this update, and I urge you to ensure the accuracy of all information in my credit report within this timeframe. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had XXXX as my XXXX loan servicer. They marked my account as being late in XXXX and XXXX in XXXX, in XXXX through XXXX of XXXX and in XXXX of XXXX. In each of these instances, I was either XXXX XXXX XXXX of was experiencing a hardship and had ask for a forbearance. What made it worst was that I consolidated my multiple loans with them into one loan, but they reported this bad information for each loan separately which has destroyed my credit.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-07-10
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. (VA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I've been attempting to address the inaccuracies on my credit report for months without success. This is a serious issue that needs to be resolved, and this complaint is not a mistake. These are difficult times, and the burdens keep piling up, negatively affecting my life. Correcting or removing these inaccuracies from my credit report would be incredibly helpful.