davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-27
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation (SC)

I am a victim of identity theft dating back to XX/XX/XXXX, my wallet was lost, in it were my ID, and social card. This company name Avant Inc, Acct # XXXX .... out of XXXX, let someone get a fraudulent loan in my name for {$3300.00} in XX/XX/XXXX. I went to my local police when I saw it on my credit report. They told me since I could n't prove it happened in their jurisdiction, they could n't issue me a report, there was nothing they could do. They told me to contact the credit bureaus and have them take care of it. So thats what I did. I have disputed this information until I am blue in the face. The credit bureaus wo n't remove this account. 

XX/XX/XXXX I contacted Avant Inc directly by mail. I told them this was a fraudulent account, I asked them to send me copies of the loan agreement contract, so I can compare the signatures. As I know it would n't be mine. They never sent me anything. Of course they going say they did n't receive the letter. So I disputed the account again and it was n't removed. 

So XX/XX/XXXX, I wrote them again and again asked for them to send me copies of the loan agreement contract, so I can compare the signatures. Of course they going to say they did n't receive this letter either. I also spoke to a lawyer, that told me that once, I get the the loan agreement contract, do a notarized affidavit of forgery, and send back with the loan contract signature, and that would be enough proof to show I did n't take out a loan or sign the loan papers, and the company would remove the account from my credit report within 30 days. The lawyer said it was simple business contract law. The signatures do n't match, so the fraudulent contract would be invalid and I would be released from liability, because I did n't opened the account. 

Today is XX/XX/XXXX and Avant Inc, still has not replied to any of the letters and never sent me any loan agreement contract, with my signature. They have not sent me anything. 

How can this company, place a fraudulent account on my credit report? I requested documentation on 2 occasions, they will not send it. This is the 7th month since requesting copies of the loan agreement contract. 

They will not respond, because these documents do not exist. They try to take advantage of the little person, because they are a big multi national corporation. I want this account removed from my credit reports. Please help.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I sent the certified letter below to XXXX and Transunion. As on XX/XX/XXXX I have not received any communication from them. Please assist with getting this information corrected. 
I am writing to formally request the immediate removal or validation of all late payments listed on my XXXX  account ( Account # : XXXX ). The account is listed under the following details : Account Type : Credit Line Date Opened : XX/XX/XXXX Current Balance : {$18.00} Credit Limit : {$1800.00} Payment Status : Current According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, you are required to ensure the accuracy of the information you report. If these late payments can not be validated with original documentation and proof that I was actually late, you must remove all references to late payments from my credit report.

I am requesting : Full validation of all reported late payments, including original documents and proof of late payment.

Immediate removal of all late payment records if validation can not be provided.

Failure to validate these late payments would be a violation of the FCRA, and I will take further action if necessary to ensure compliance.

I expect written confirmation that these issues have been resolved within 30 days, as required by law. Please treat this matter with urgency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX XXXX
Consumer complaint received 2024-10-02
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. (MI)

I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.
Consumer complaint received 2017-01-26
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Mobiloans, LLC (OH)

Mobiloans , LLC is an online payday loan company. Mobiloans has filed a derogatory report to the credit bureau 's for a loan that is not mine. I have contacted Mobiloans on multiple occasions requesting validation as required by law to no avail. Mobiloans has nothing with my signature on it indicating that i personally applied for this loan, nor that I agreed to repay any loan. After submitting my complaint and dispute to their account support and account dispute division they chose to charge the account off and file a negative report to the XXXX credit bureau. 
Mobiloans resorted to tactics of harassing me by phone and threats of ruining my credit if they were not paid. These tactics and method were numerous and documented by me.
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX XXXX and I have a personal checking account with BANK OF AMERICA. On XX/XX/XXXX my driver pumped diesel in a XXXX gas station in XXXX Oh. The cashier charged the card 3 times for what was supposed to be the same transaction. The original and correct amount was {$560.00}. The cashier charged wrong amount of {$550.00} and then for no reason charged my card again for {$150.00}. I called my bank the next day they gave me a credit while they investigated. I called the XXXX and tried to resolve the issue, they said there was no history of the XXXX and the XXXX, that they should not have been charged and that their system had no history of it. Bank of America now presumed to take out the XXXX and the XXXX again and are saying XXXX is telling them that those amounts are correct and were supposed to be charged, not the gas station where the diesel was actually pumped, is saying that all three charges are correct. It is impossible to pump XXXX plus XXXX plus the actual correct amount of XXXX. No truck can be pumped that much diesel. I have sent the original and correct receipt to the bank and they are not helping me at all. 

( XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH as Reconciled XXXX ) THIS IS THE CORRECT AMOUNT THESE ARE NOT XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH as Reconciled XXXX
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 
XXXX # XXXX, has violated my right.I have a right to privacy.Also state consumer reporting agency can not furnish a account without my written instructions. 
I do not own this debt.I dispute the validation this debt from credit bureau.I 'm not liable for this debt with XXXX XXXX do not have contract with them.They did not provide me with the original contract as I requested and a detailed statement of the amount the claiming.
Consumer complaint received 2024-10-02
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. (GA)

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 information is inaccurate.
Consumer complaint received 2024-10-24
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. (NJ)

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  This complaint has been submitted to the CFPB to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX block the fraudulent information on my consumer credit report within four business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : A personal credit card account opened with XXXX on XX/XX/XXXX A credit card account opened with XXXX  XXXX on XX/XX/XXXX A personal loan account opened with XXXX  on XXXX XXXX An auto loan opened with XXXX XXXX on XXXX XXXX A personal loan account opened with XXXX on XX/XX/XXXX. 
a personal loan account opened with XXXX XX/XX/XXXX an account with XXXX opened XX/XX/XXXX a collection account with contract callers opened XX/XX/XXXX a collection account with XXXX  opened XX/XX/XXXX a collection account with XXXX XXXX opened XX/XX/XXXX These fraudulent accounts have led to several unauthorized hard inquiries and collection items appearing on my FICO credit report. I have attached a copy of my FICO credit report from XXXX that reflects these fraudulent accounts. 

I do not recognize any of the accounts, collections, or hard inquiries listed above, as they were not opened, initiated, or authorized by me. All these items are the result of identity theft and fraud. Enclosed is a copy of my FTC Identity Theft Criminal Complaint ( # XXXX & # XXXX ) as evidence from the Federal Trade Commission confirming that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-09-14
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a bump into going over this and I am submitting this complaint OVER AND OVER AGAIN to remove the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. How many time should I told you that I am a victim of identity theft and I did not create the responsibility or the accounts? I have requested that the accounts be removed to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and my Police Report which I filed on my local Police Department. But guess what? Nothing has changed! I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt PLEASEDELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}, XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$83000.00}, XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$1800.00} XXXX COUNTY OF XXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX-Late/Closed Late Dates XXXX
Consumer complaint received 2024-10-02
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. (OK)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

My account with XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be updated. 


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. 


XXXX 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 2024-10-02
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)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CT)

I am writing to file a second complaint against Citibank related to the ongoing issue with the handling of my accounts. After the closure of my initial account, as detailed in my previous complaint, I opened a new account with Citibank in order to provide an alternative method for depositing my funds. This was done in an attempt to find a resolution to the distressing situation of a significant ACH payment being held in limbo due to the unexpected closure of my first account. 

However, I am now facing a new, serious issue : Citibank has unexpectedly closed my newly opened account, without any clear explanation or warning. This action took place after I had transferred approximately {$1000.00} into the account. Moreover, Citibank has locked me out of all my associated accounts including my checking, savings, and brokerage accounts, essentially seizing my funds without my consent. 

This action by Citibank has not only disrupted my access to a significant amount of my personal funds, but it has also hampered my ability to manage my daily financial activities and investments. The inability to access my own money is causing me emergency financial hardship. 

Upon contacting Citibank multiple times on XX/XX/XXXX at XXXX EST ( with XXXX XXXX and XXXX EST ( with Fiel ), again on XX/XX/XXXX and XX/XX/XXXX, and through their online support panel ( with XXXX ) on XX/XX/XXXX, I consistently informed Citibank about my new account. Despite these interactions, at no point did they express any concern or provide warning that the new account would also be shut down. 

This escalation is completely unjustified, especially given that the initial misunderstanding that led to the closure of my first account was clearly explained and earnest efforts were made to rectify it. Citibank 's actions have caused significant stress and inconvenience. 

I kindly request your assistance in investigating this matter and helping to restore access to my funds and accounts as soon as possible.
Consumer complaint received 2024-10-02
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Current Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-02
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. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-10-02
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. (TX)

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, 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the repor by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) Aperson 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.