davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I never even had a prepaid card XXXX card from Bank of America. I had XXXX accounts and my benefits went to XXXX of my accounts. My benefits also had stop for a couple months then came back on then stop again because I mistakenly said no to a question then submitted a document to show I to didn't mean to press it. Small screen XXXX fingers. Then my payments stopped all together and I still didn't receive the back pay of what was owed to me because XXXX XXXX lied on federal documents. I worked for that company since XXXX and they called me a new hire in XXXX. XXXX quit your fraudulent XXXX XXXX so I can receive my compensation. Any lawyers out there willing to help? Anywho yes Bank of America I have no knowledge of a check sent to my address and no knowledge of a prepaid card when I never had a card from unemployment. I had direct deposit and I have that account number. All because I don't have a prepaid card number I NEVER even received is XXXX. That was to set it up where it looks like y'all did everything in y'all power to help me. When y'all never sent a check or a prepaid card. I know my identity have been stolen here and there. It has to be another underline issue why this financial institution is giving me such a hard time about my funds. Then I asked to speak with fraud and was not giving the option to. I want to know what is going on with my funds and why is a big bank lying about sending me a check and prepaid cards to cover up their fraudulent activities. WHERE IS THE CARD AND WHY HAVE I NEVER KNOWN ABOUT HAVING A PREPAID CARD IN MY NAME? I never had that account they speak of in my email and on paper. I only had XXXX accounts. Where is that account coming from and how is it transactions on it when I never even used it. I have XXXX dollars of interest built up already. Ummm how? How long have this been going on for and at this point I truly believe the bank did something with my funds and now trying to halfway fix the problem. I'm too the point of fighting this in court. I want compensation of being a victim to the big companies that feed off of us. Your so called fraud agency did nothing to help me with my fraud issue. I went into the bank and clearly they could see it was me. So why is it that I still can not access these funds of mine. They told me the amount of two different checks then I received letters with different amounts on it. How is this possible?
Consumer complaint received 2024-07-13
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: WELLS FARGO & COMPANY (GA)

It has been about 2 years now i been trying to get false information remove from my credit reports in each letter i ask for proof i been asking for what they see that shows that it was me not one bank provides accurate information or proof all i got back in my letters was i open the account i never said i didn't open the account but when it came to fraud on my account which leaded to a negate balance and ended on my reports i ask for proof that shows accurate of me inside the bank depositing money with a teller which they couldnt show because i wasn't never at the bank, never deposited money with a teller i also have the checks that was deposited into my account it came in my mail from the bank actually something i didnt deposit which lead to my acount to be close didnt get an email or call from the bank yall just let anyone get access to people banks thats sad then
Consumer complaint received 2023-06-20
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. (NY)

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 2024-07-13
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. (VA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX {$750.00}. XXXX # XXXXXXXX XXXX-Nov XXXX, XXXX XXXX XXXX XXXX {$200.00}. XXXX # XXXX open-Mar XXXX, XXXX XXXX XXXX XXXX XXXX. {$300.00}. XXXX # XXXX Open-Mar XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$4600.00} XXXX # XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. $ {$9500.00} XXXX # XXXX OpenOct XXXX, XXXX XXXX XXXX XXXX. $ {$23000.00} XXXX # XXXX Open-Mar XXXX, XXXX XXXX XXXX XXXX. $ {$23000.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. $ {$720.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. $ {$3900.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX $ {$150.00} XXXX # XXXX. XXXX XXXX, XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the XXXX Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Consumer complaint received 2024-07-17
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)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (NY)

I am writing because my wife has been receiving phone calls from Hunter Warfield, a debt collection agency, regarding a debt we owe through XXXX XXXX for a lease at an apartment we were staying at until XX/XX/XXXX. We moved to XXXX  XXXX from XXXX  in XXXX and I notified the management company we would be moving to XXXX   XXXX at that time as I was relocating for school and work. They did tell me that I may end up paying the remainder of the rent for the lease so that is fine. What isn't fine is that the lady, named XXXX, from Hunter Warfield has been calling and threatening that XXXX will sue us if we don't pay soon. I didn't think she could make that claim on behalf of XXXX since she works for Hunter Warfield and claims XXXX still owns the debt. We tried to offer several payment plans, including {$150.00} dollars for roughly 16 months which would clear the debt but they claim this isn't sufficient enough. She then claimed that if we get a judgement against us, they can come after our financial aid as we are both in school currently. Then towards the end of the last conversation, my wife gave XXXX my phone number as I am more versed in consumer rights and protections and XXXX began asking invasive questions regarding whether I lived with my wife or not, if I wasn't in the picture and why my wife and I " don't discuss are finances ''. I took that as very personally harassing. The recent calls from XXXX were on XX/XX/XXXX at XXXX XXXX EST and XX/XX/XXXX at XXXX XXXX EST.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information
disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (IL)

There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc report.
Consumer complaint received 2023-11-20
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. (TX)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-03-18
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: Exeter Finance, LLC. (NV)

EXETER FINANCE claimed to have completed a reasonable investigation with the furnisher of information and verified the account as reporting 100 % accurately. However, this account is still inaccurate and EXETER FINANCE is continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. I want all late payments removed or the account XXXX XXXX  XXXX deleted for inaccuracy because the date opened is reported as XX/XX/XXXX on XXXX XXXX and XX/XX/XXXX on XXXX. There was no notice of dispute on XXXX, and only XXXX reported my dispute which is a violation. The date last active shows XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX which means the account was re-aged and thats a violation. The late payments are reported inaccurately and inconsistently on XXXX and XXXX. I cant figure out how you verified these late payments when the only form of verification is the bank statement belonging to this company. I need to see all original bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these inaccurate and unverified late payments. Each Bureau has a different historical payment date. Delete this account for inaccuracy because 2-3 bureaus report different information. EXETER FINANCE has violated my rights numerous times. 15 U.S.C 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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. 15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written consent. 15 U.S.C. 1692 Section 806 Section ( 5 ) Causing a telephone to ring or engaging any person in a telephone conversation.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have concerns regarding my credit report that needs immediate attention, this complaint is not a mistake nor sent in error. I found out that there are inaccuracies on my credit report and it is stressing me out, these errors are affecting my life and my credit score negatively.
Consumer complaint received 2024-07-17
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. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-07-17
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. (SC)

I hope this complaint finds you well. I have tried numerous times over the years especially the past year to have the credit bureaus accurately verify my account. They keep sending emails about the dispute being accurate. They have NEVER provided me PROOF of ANY documentation that proves these alleged accounts belong to me. Between all three bureaus there are countless violations. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. 
I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ).

I hope this issue can be resolved PROMPTLY!
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the 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. Therefore the following information needs to be investigated. 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.