davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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. (AR)

I am writing to formally file a complaint against your credit bureau regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit file. Despite my continuous efforts to removed this discrepancies, my credit report remains marred with inaccuracies, negatively impacting my financial well-being. 

I have made several efforts to dispute these inaccuracies by following the procedures outlined by the Fair Credit Reporting Act ( FCRA ). Each time, I have provided all necessary documentation and supporting evidence to substantiate my claims. 

Despite my earnest attempts to resolve these issues, I have encountered the following problems : My previous dispute letters and supporting documents seem to have gone unanswered, leaving me in the dark about the status of my disputes. 

The delay in addressing this inaccuracies has resulted in financial hardships and lost opportunities for me. 

The presence of these inaccuracies is severely damaging my credit score, making it difficult for me to access fair lending terms and credit opportunities. 

I am frustrated by the lack of responsiveness and efficiency in addressing my concerns. I understand the importance of accurate credit reporting, and I am fully committed to working with your credit bureau to ensure the correctness of my credit file. 

I request that you conduct a thorough investigation into these inaccuracies, rectify them promptly, and keep me informed about the status of my disputes, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts to verify my attempts to rectify these inaccuracies. I am asking for your assistance to remove the fraud item in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Company name : HSBC Bank USA, NA I'm an XXXXXXXX XXXX with residential address outside USA ( in XXXX XXXX actually ). Early this year ( around XXXX or XXXX ), as one of the HSBC Group 's policy for international banking customers, I applied and opened up an HSBC USA Checkings and Savings account and received my debit card in XXXX. After the account had been opened, I did purely nothing but only transfers between my own international accounts ( all the accounts are in my name ) within reasonable scale. I then applied for a credit card ( one of their international policy as well as a XXXX customer ), submitted my passport copy, work information and salary slip, and received my card in XXXX. 

My accounts and cards were totally fine until XX/XX/XXXX XXXX, HSBC USA suddenly blocked my account and banned me from online and mobile banking. I contacted the bank almost immediately asked for if their was any problem with my account, they said that my account is under review and refused to provide any information about the reasons why they blocked my account or any time frame that they would be review my case. 

2 months has passed and it's almost XXXX now. During this period, I contacted HSBC for almost six times, and each time I contacted them they provided basically no info but asked for me to wait. 

I've checked with other HSBC USA clients who resides in XXXX and found that they have actually blocked a lot of accounts opened by XXXX customers ( but this is an international function they advertised and provided ). Apart from customer base discrimination, I have a hard time finding a reason to convince myself so I'm asking for help.
Consumer complaint received 2023-10-19
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Late Payment {$8200.00} XXXX XXXX XXXX XXXX Charge-off {$3000.00} XXXX XXXX XXXX Charge-off {$1300.00} XXXX XXXX XXXX Charge-off {$99.00} XXXX XXXX XXXX Charge-off {$5400.00}
Consumer complaint received 2023-10-19
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. (MI)

in 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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-19
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. (TN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: General Motors Financial Company, Inc. (SC)

GM Financial sent me an offer email on XXXX after I sent them a Cease and desist letter previously. Also on my credit reports they stated that I owed {$15000.00} then {$12000.00}, then {$900.00} and now its {$4000.00}. They have been stating inaccurate information on my credit reports for months. This is unacceptable. I would like this account removed immediately from all credit bureaus. I also requested these documents and none have been sent to me. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

MY CREDIT SCORE IS ONLY REPORTING IN XXXX, IT DOES NOT REPORT ME IN THE OTHER CREDIT BUREAUS LIKE XXXX AND EXPERIAN, I CALLED THEM AND TALKED TO A SUPERVISOR AND THEY TOLD ME THEY HAVE NO INFORMATION ABOUT ME.
Consumer complaint received 2023-10-19
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contacted Bank of America because I've been approved for Unemployment benefits and someone has been collecting my benefits and using them from XXXX the total amount is XXXX I'm a single mom and struggling I need that money. I've done over XXXX claims with Bank Of America to get my money back. I was told I need to wait 90 days that is crazy I can't wait that long I'm a single mom of soon to be XXXX kids that can all benefit from this money that was taken from us. I had over XXXX taken from my taxes for an over payment from Unemployment that I never received. Bank Of America is being wrong for this I will reach out to more people and places for help with getting all of my money back! I'm not sure of the card information but this is my second complaint the first one states the card number I was given. I called to check on the status o my claim on XX/XX/2023 and was told my claim was denied and they claim I authorized these transactions you guys messed up & need to fix it. I asked for my case to be reopened because I didn't authorize these transactions nor have I ever received a card from Bank Of America until XX/XX/2023. I have been getting small deposits on my card so far I've gotten two for XXXX and five for XXXX I need all of my money back I've already got in contact with the local news and I will be contacting California State Representative XXXX XXXX tomorrow regarding this issue. Thanks to the local news for giving me her information.
Consumer complaint received 2023-10-19
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. (GA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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. (AR)

I am writing to express my growing frustration and concern regarding the numerous attempts I have made to rectify an inaccurate late open account on my credit report. Despite my ongoing efforts to correct this discrepancy, the issue remains unresolved and continues to have an adverse impact on my financial well-being. 

There is a late open account inaccurately listed on my credit report, which does not accurately reflect my financial history. This inaccuracy is significantly damaging my credit score, affecting my ability to secure fair lending terms and credit opportunities. 
I have diligently followed the prescribed procedures for disputing inaccuracies in my credit report as outlined by the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided clear explanations, supporting documentation, and evidence to substantiate my claim. 

Regrettably, my efforts have not produced the desired results, and I continue to encounter the following challenges : My previous dispute letters and supporting documents have received minimal to no response, leaving me unsure about the status of my dispute. 
The delay in addressing this inaccuracy has caused significant financial hardships and has adversely affected my ability to access credit and financial opportunities. 

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors, and I am fully committed to working with your credit bureau to ensure the accuracy of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that your credit bureau conducts a thorough investigation into this specific inaccuracy and takes immediate action to rectify it. Additionally, please provide me with regular updates on the status of my dispute, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, which serve as evidence of my earnest attempts to rectify this inaccuracy. I am asking for your immediate assistance to correct this accounts : XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$24000.00} ; DEPT OF ED/XXXX XXXX Opened XXXX XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2023-10-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forster & Garbus LLP (NY)

In XX/XX/XXXX, I received court documentation on a XXXX loan with XXXX XXXX XXXX loan from Forster and Garbus a debt collection company in XXXX XXXX, New York. In XXXX, we began receiving threatening phone calls from XXXX XXXX XXXX in regards to these loans stating court action would commence if not paid. In XXXX, the excessive phone calls started again stating that legal action would be taken if we again didnt pay on a set schedule. We were told that the only way to avoid legal action against us and court intervention etc. etc., would be to sign an agreement to pay on a set schedule on these loans. In XX/XX/XXXX, we again received notices to sue. What aroused suspicion was that court documents were altered, dates were hand written in. Contacted XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX to validate notice and was informed that index numbers were expired and there was no county clerk name or signature on that court document. I contacted Forster and Garbus to request all documentation associated with this matter, and was bounced around between them and XXXX XXXX who claimed to have no record of me. I requested documentation again from XXXX & XXXX and was told They do not do that, and was again told to pay to avoid legal action against me. I Researched and realized that they and XXXX XXXX are already embroiled in a legal matter in which they are, as they are doing to me, threatening people to legally collect on debts that originally exceeded the statute of limitations, using bully tactics to sign agreements and sending false court documents that were altered with expired index numbers threatening legal action on an old debt.
Consumer complaint received 2022-12-27
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)

Basically I asked the credit bureaus to do a verification of my credit report and they did. They said that everything was accurate on my credit report, but I also did a thorough report on my credit myself and there are still a lot of improper inaccuracies on there after they did there research. The company is XXXX XXXX  account number # XXXX XXXX Trans Union XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions...
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/year>
Consumer complaint received 2023-11-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MO)

Hi, I bought a US. Bank prepaid card, Bin XXXX. {$500.00} ( deposit ) + {$6.00} ( purchase fee ) XX/XX/XXXX : The trouble started from XX/XX/XXXX, I lost my card. 

XX/XX/XXXX : I requested a replacement. They asked me to provide IDReceipt, submitted on web ( XXXX ), identifying the purchase. I did it. They sent me the replaced card. ( Charged me a {$6.00} replacing fee ) XX/XX/XXXX : I got the replaced card. 

XX/XX/XXXX : The same day, I find the card is unable to use, I contacted the company, spending over 1.5 Hours. They said they are unable to active my card since the information I provided is not match. 
( yes, this is okay, it does mismatch because I bought a lot of GiftCard that day ), ( Complain 1 : How can they issue a replacement if info mismatch? ) XX/XX/XXXX : I agree to send correct info, And I did it via Fax. 
They said they will active my card in 3 days. 

( Complain 2 : it's XXXX, Fax is not convenient to use, Each time I use it I will be charged a couple XXXX Why we can not use E-mail? ) XX/XX/XXXX : I called them again, The card is still un-active. 

XX/XX/XXXX : I called them again, they said they still can not active. 
I escalated to the supervisor, they now provide details about why it can not active. 
" the photo ID is to light to be seen, " ( I used my phone to take a photo of my ID, And Faxed it. I can see it clearly, Name, Datebirth, Address, everything is clear. I don't know why they can not see it. ) ( they just repeatively said it's too light to be seen in their system ) ( Fax will automatically adjust the photo to white and black, so they is no so called " light '' problem, becasue all photo will be black and white ) ( I actually a half-professonial photographer, I know how to take a photo better than 99.99 % people ) I said, I can upload it again, on web site, so this will be very clear to see. At first, they said they can not do it, they can only accept Fax. 

After half hours talking, they give me a try to upload, a web channel. But that channel is not working, I can not upload it. 

Then, they start repeating again : " fax is the only way to do it, we can not do anything else ''. I said, can we use e-mail? They said no, Fax is the only way.

For now, I spend over 1.5 hours on the phone again, and I still can not use my card.

( Complain 3 : XXXX XXXX )
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

Per FCRA, 15USC1681E ( B ) all information must have maximum accuracy ... the date bankruptcy reported is incorrect... more importantly the bankruptcy court did not report the information to credi bureaus, therefore the information obtained could not have been verified by the court ... that represents inaccuracies and by LAW and should be deleted immediately from all 3 bureaus Thank You
Consumer complaint received 2024-08-05
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. (MD)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.