davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XXXX XXXX I received an e-mail from Bank of America stating my credit card application had been approved. I then learned from my credit report that Bank of America had checked my credit on XX/XX/year>. I immediately called Bank of America and informed them that I had not applied for a credit card and this was a fraudulent account. They said they would close the account and mark it as fraud. I froze my credit on all credit reporting agencies, filed a complaint with the FTC. Notified XXXX  account that my credit had been fraudulently accessed. On XX/XX/year> Bank of America sent me a letter stating to complete the enclosed FACT ACT request form and required documentation and to send to their Claims Resolution Dept. All required documents and proof of ID were mailed to Bank of America on XX/XX/year>. Bank of America received the requested documents on XX/XX/year>. I have called numerous times to check on why I have not received records related to the application on this fraudulent credit card. On XXXX XXXX I was informed that they needed XXXX more weeks and I would receive the documents by XXXX XXXX. Today XX/XX/year> I called again and was told the documents have not been sent out, some of their systems are down and I could start a new application for the documents and it would take another 30 days, or I could call back tomorrow and see how it was going. 
I would like to also state that this account was only marked as closed and not fraud until I called numerous times. On one phone call, I was transferred 6 times to XXXX different departments that all said I needed to talk to someone else. Today, I spent XXXX minutes on this phone call to find out they still haven't sent the documents and was transferred once, so I talked with two different people. 

They can not explain to me how the person that applied for this credit card in my name almost immediatley was approved, but I have to wait months to find out who applied for the card or to get a copy of the application.
Consumer complaint received 2024-07-11
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. (DC)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy 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 2024-07-09
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.

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 2024-07-09
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. (FL)

Some inquiries that I don't recognize and have never been authorized by me. They are the following : XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against TransUnion for failing to accurately report my credit information and neglecting their duty to conduct a thorough and fair reinvestigation, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ).

I have made numerous attempts to rectify inaccuracies in my credit file. Specifically, I disputed several accounts that were opened without my permission or authorization. I did not provide any written signature or enter into a legal contract with the creditors. Despite providing sufficient proof and sending a cease-and-desist letter, TransUnion has rubber-stamped these accounts as verified without conducting a substantial investigation.

Furthermore, two accounts from XXXXXXXX XXXX XXXX XXXX  XXXX are being inaccurately reported with late payments. These accounts should reflect paid as agreed, never late. 

I requested a description of the procedure used to determine the accuracy and completeness of the disputed information contained in my credit file. However, I disagree with the results of your reinvestigation reporting the information has been verified as reported and is accurate. 

In accordance with the FCRA, the creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions ( 15 USC 1681 section 604 ( a ) ( 2 ) ). Additionally, I would like to include FCRA consumer law section 605B ( 15 USC 1681c-2 ) regarding the late payments. 

I look forward to your prompt attention to this serious matter.
Consumer complaint received 2024-07-10
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. (NC)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2022-12-04
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. (SC)

IN THE PAST 6 MONTHS I HAVE SENT XXXX, TRANSUNION, AND XXXX SEVERAL LETTERS IN REFERENCE TO ACCOUNTS ON MY CREDIT REPORT THAT ARE BEING INACCURATELY REPORTED AND HURTING MY CREDIT SCORE AND REPUTATION. ALL 3 CREDIT BEAURUS HAVE SENT LETTERS BACK SAYING THAT THEY HAVE THOROUGHLY INVESTIGATED EACH ACCOUNT AND HAVE VERIFIED THAT THEY ARE XXXX PERCENT ACCURATE. BUT HOW CAN THIS BE IF ALL THE ACCOUNTS ARE STILL SHOWING DIFFERENT INFORMATION SUCH AS DIFFERENT REPORTING DATES, AND DIFFERENT BALANCES AND SOME OF THE INFORMATION IS NOT EVEN REPORTING TO THE CREDIT BEAURUS. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY CONSIDERING THE FACT THAT THEY ARE REPORTING INACCURATELY AND THE INVESTIGATION TOOK LONGER THAN 30 DAYS.
Consumer complaint received 2019-11-20
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/2019
Consumer complaint received 2024-07-09
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. (MA)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-09
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. (FL)

I noticed I was receiving numerous unauthorized inquiries from XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX on my credit report, I have never given these companies authorization to run my credit, and they have been doing it almost monthly since XXXX of 2022, I have reached out to the companies and the credit bureaus about this and have not received any response.
Consumer complaint received 2024-07-09
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. (AZ)

As per the regulations established by the Federal Communications Commission ( FCC ), I have no contract agreement with the accounts attached I am entitled to request and receive a physical, signed copy of any contract that I am alleged to have entered to any of these accounts. Therefore, I formally request that you provide me with a copy of the contract bearing my wet signature that states I have contracted withthem If such a document can not be provided, I request the immediate removal of the account from my records. Furthermore, Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802. Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. 
I have also filed a theft report please see attached none of thes accounts are miine.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report this afternoon and was disappointed with what came up. Inaccurate accounts are showing up! I don't know why so please check the documents that I've sent in regards to these.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report this afternoon and was shocked with what came up. Inaccurate accounts are showing up! I don't know why so please check the documents that I've sent in regards to these.
Consumer complaint received 2022-11-28
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. (WA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2024-07-09
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.

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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (TX)

On XX/XX/year> at XXXX am, text message received from the number XXXX stating the XXXX account is at risk for charge off. It states to make a payment of {$89.00} or more to avoid charging off. There was no communication regarding a repossession. When logging into the account at XXXX am, the XXXX was completely removed from the bridgecrest app, leaving us no way to make that payment like we do the previous ones. A payment of {$150.00} was made on XX/XX/year> that was no reported. The amount that is being asked to pay by the XXXX of XXXX is XXXX. The amount reported on my credit is {$6300.00}. They are rude and transfer you without any concrete answers. They have reported this to the bureaus leaving a credit hit on the account. The amounts reported are inaccurate and they reported the account was closed the same day they sent a text message asking for payment to prevent charge off. They are notorious for doing this to others and I need your help to remove this from the credit.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

This citi bank closed my account more than two months ago and refused to return my money to me without any reasons. I went to them dozens of times and every time they gave me a different answer. I called customer service hundreds of times and they did not give me any solution. 

The amount is XXXX Citibank Account number : XXXX
Consumer complaint received 2024-08-17
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 

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.
Consumer complaint received 2024-09-01
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: EQUIFAX, INC. (SC)

On XX/XX/01, I sent certified mail to Equifax, XXXX and XXXX, a detail letter on the errors that I noticed no my report after getting my annual Credit report, errors such as late payments ( US 15 1666b ) collections ( 15 USC 1692c ( c ) and inquires ( 15 usc 1679C ) know I was a victim of ID theft with these agency and I advise them of the issues and still waiting to get a resolution. This has been causing stress on me and my family I not able to help my daughter to go to college because these errors is cause my score to drop. Any help would be greatly accepted. Thanks
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (TX)

I am rewriting to refile this complaint to CONSUMER PORTFOLIO SVC about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received a statement that included a {$55.00} charge for my BJs membership on a Capital One Credit card that I have never opened. When calling in, they did not have the correct contact information or date of birth and could not verify my account. I sent in my drivers license multiple times so I could verify my account and discuss this credit card. Unfortunately they continued sending me bills with additional fees for failing to pay. I was finally able to open a fraud case stating I did not open this credit card. Fraud department came back and stated they verified that I opened this card. I do not speak English well, I am an XXXX XXXX XXXX low income individual. They keep sending me bills with fees for a credit card I never opened or consented to opening.
Consumer complaint received 2024-09-02
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. (DE)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (CA)

SUBJECT : NOTICE OF DISPUTE REGARDING ALLEGED LATE PAYMENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I Hope this letter finds you well. I am writing to formally dispute an alleged late payment on my account as referenced in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX190 FSUPP 2d 81 ( XXXX XXXX ) AS part of resolving this dispute, I kindly request that you provide me with all relevant internal records verifying the timing of the payment in question specifically, i would like to review any documents, system log, timestamos, and transaction records that prove the date and time when the payment was received and processed by your institution. 

It is critical for me to verify whether the payment was indeed late as claimed. Providing these internal records will help clarify the situation and ensure that all matters are accurately accounted for. 

I look forward to your prompt response and resolution of this matter.please send the requested documents to the address listed above or via email @ XXXX Thank you for your immediate attention to this request sincerely XXXX XXXX