davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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. (PR)

Recently, I looked at a copy of my credit report and noticed that several incongruencies and inaccuracies are the account This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX Account # XXXX
Consumer complaint received 2024-05-26
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-26
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. (AL)

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 2023-11-14
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: Experian Information Solutions Inc. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (MI)

I have no knowledge of hard inquiries on my report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXXXXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My credit card was stolen i believe on XX/XX/XXXX. I use XXXX XXXX for 99 % of my purchases which is why i did not realize the card was stolen or that fraud was occuring, resulting in 45 stolen transactions in about 2 days. I did reecive an alert from the bank after all of these transactions had already occured alerting me of potential fraud. I immediately confirmed the fraud and cancelled my card. Records show the initiation date of claim was XX/XX/year>. However, the bank refuses to refund me anything even though they are the ones who detected the fraud, albeit late. 

The first transactions that occured were at a XXXX XXXX XXXX because the perp bought XXXX XXXXXXXX XXXX XXXX cards BACK TO BACK, which is something a normal commuter would not do. there is no history showing i would do this as i have a transit card from my employer T.his should have been an immediate red flag and the bank failed. 
From there, the perp went on to the XXXX area of XXXX, an area i have never even been to in my life for obvious reasons, comitting a total of 45 crimes. My bank history shows i do not make purchases like, the volume alone dosent make sense, and most importantly, i would not be doing this is an area like XXXX. I live in NJ and work in the XXXX XXXX 
History proves i have never spent {$650.00} in 2 days at Liquor stores, bodegas, XXXX, etc. 
The perp made mostly smaller purchses, the highest being {$75.00} at a merchant i can't even locate, and even used my card on XXXX. Please help me as i have made a total XXXX claims, all ending in " Unable to Pay '' after investigation. See attached.
Consumer complaint received 2019-04-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: First Associates Loan Servicing LLC (NC)

I have a loan with First Associates from back in XX/XX/2013 but I never took the course. I tried with no avail over the years to get it resolved and they are unwilling to resolve it. I am in the process of trying to purchase a home and I keep getting denied because it says I am late every month in the amount of {$3000.00} and that is in collections. It also says that a {$33.00} payment is due a month but when I contacted First Associates they stated that the loan had reached its maturity date so there was no payment due. The loan can not be in collections and late every month they need to fix this issue or I will file a lawsuit to get it resolved.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I purchased a XXXX XXXX training package. Part of the reason for the purchase was for the training. But the thing that caused me to purchase that training package when I did was that XXXX himself offered a loan through XXXX 

XXXX positioned it for those ( like me at the time ) as a way to rebuild my credit. The promise was the XXXX would be reporting to all three credit companies. 

I purchased the package. Received the training. Made all payments on time. However XXXX reported only to XXXX ( and did not do that properly ) and XXXX, but did not report to XXXX at all. 

When I attempted to resolve this with XXXX by XXXX XXXX XXXX and phone, I was simply blown off. 

Original loan amount was {$4900.00} XXXX # was XXXX Furthermore XXXX did did not report the XXXX amount to Experian.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (FL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-07
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. (NV)

I hope this message finds you well. I am writing to address the ongoing issue regarding fraudulent items on my credit report. Despite my previous attempts and providing substantial evidence to support my claim, the fraudulent items persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the integrity of the credit reporting system. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OK XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Hi, XXXX, XXXX, and TransUnion continues to report errors on my credit report causing my score to drop XXXX XXXX sometimes XXXX points due to their negligence in reporting accurately when in regards to accounts paid on time in good standings as well as not giving me the credit when everything is in good standings. Also my personal information is incorrect I have XXXX name I dont go by any alias and they have about XXXX different names on my report along with the wrong social and and multiple addresses and telephone numbers. No credit company is supposed to report any opened balances due or open accounts on my report if these accounts are allegedly in collections as well. There are inquiries several that shouldnt be on my report either and Im tired of contacting XXXX about the same stuff never reported accurate fico score either they always show my score lower than what it actually is
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I entered Citibank for routine bank services which XXXX has provided for me many times in the past, and was turned away by two employees at two separate banches. These employees behaved in an unprofessional manner. The staff and bank branches are as follows : XXXX XXXX XXXX ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NY XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX Songwriters recieving royalties from overseas, who wish to avoid being taxed in the XXXX, and then taxed again when their royalties are sent to the US, are required to submit forms stamped by their bank, so their royalties can be processed. A long-standing tax treaty exists between XXXX countries and the US to allow songwriters to be exempted from being double-taxed on royalties. Banks are required by law to provide this service upon request of their clients, provided the forms are in order and the customer is a XXXX citizen, such as myself. 

Despite Citibank stamping my forms as recently as XXXX, not a single individual I spoke with would provide me with this routine service. Customer service was also an absolute dead end, and when I resorted to sending the forms to the fax number of the branches, connections were abruptly terminated and I recieved XXXX replies. 

It is illegal to withhold services from a customer for no reason. This service is not granted as some kind of courtesy from the bank, but is an integral part of commercial banking. 

Both employees seemed to lack training in how to handle this basic request, would not complete the task themselves, and could not find anyone else to assist me, neither via phone nor at the branch itself. I was treated dismissively, and was forced to return home with no resolution, missing the deadline to submit my forms. All messages I left subsequently, requesting assistance, went unanswered. 

After reading thousands of complaints against Citibank, my household began moving the bulk of our modest deposits to another bank. This last disgraceful incident indicates we were right to do so. To treat a customer like a criminal trying to pull a scam, when they are trying to conduct completely ligitimate business, displays extreme prejudice to creative professionals struggling to make ends meet. 

I must now wait till the next royalty distribution to try again, but I don't believe Citibank will respond and I am hesitant to make the 4 hour round trip into XXXX only to be turned away again.
Consumer complaint received 2023-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

I continue receiving calls about a XXXX debt that is not mines there was a error with XXXX some one name XXXX XXXX which I dont know who this person is has the debt and know Im receiving rude calls which I have explained to all party this is not my debt and dont know how XXXX made this mistake at this post Im ready to sue all parties involved if this matter is not investigated and fixed.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-26
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. (CA)

On XX/XX/year>, a formal dispute letter was sent to TransUnion requesting correction of the name listed on the credit report to the legal name, removal of all incorrect previous address listings, and updating to the current address. Supporting documentation like a birth certificate and utility bill were provided. 
On XX/XX/year>, a notice of fault was issued stating TransUnion failed to make the requested name and address corrections despite the previous letter and documentation. 
TransUnion sent a letter on XX/XX/year> requesting submission of XXXX documents proving the current mailing address before they could update the address on file. 
On XX/XX/year>, a notice of default was sent giving TransUnion 14 days to update the current address solely to the provided one and remove all other previous addresses listed, which were stated to be inaccurate. Additional documentation like utility bills and IDs were included again as proof of residency.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
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: Experian Information Solutions Inc. (TX)

Ive made several attempts to have XXXX investigate and remove these accounts from my account. Ive called and submitted disputes. These accounts are inaccurate and have been removed from my other credit profiles. In my most recent call to the company a representative told me even if the information and had been removed from my other reports that each company would have to contact them and have it removed which doesnt make sense.
Consumer complaint received 2024-06-07
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. 
Ability Recover Service account # XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX has violated my rights. 
15 U.S. C 1681 section 602A has violated my right to privacy.

15 U.S. C 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. C 1681c ( a ) ( 5 ) States that any of the following information : any adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 US C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

A bank account was opened in my name on XX/XX/2023. Also a debit card was issued in my name and sent tomy home address. I never opened up an account not applied for a BOA account. I called the fraud department and got the account canceled. They informed me to get credit monitor or locked to prevent further fraud.