davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX ( XXXX ) XXXX XXXX XXXX  XXXX # XXXX I have not provided written instructions for the listed creditors or any entity to furnish information on my consumer report, which could potentially be a violation of 15 USC 1681b. The Credit Reporting Agency 's actions have caused significant stress and XXXX, raising concerns about potential violations of the Fair Credit Reporting Act, such as 15 USC 1681 Section 602 and 15 USC 1681 Section 604a Section 2. Additionally, 15 USC 1666b mandates that a creditor must not treat a payment as late unless reasonable procedures ensure timely delivery of periodic statements.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

XXXX XXXX my credit card was charged for {$3300.00} for an item that I never ordered. 
I got a refund from the Citi bank twice and now again they are telling me that I'm responsible for this purchase. 
The bank sent me a letter as an evidence that they were communicated with me, but actually it wasn't me since email address and phone number was wrong it wasn't mine. 
Ups requested a signature for delivered item and it was never signed by me.And even XXXX wrote that they didn't have account with provided email address. 
I called Citi Bank many times and no one is trying to solve this problem.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

I opened a US Bank personal checking account on XX/XX/XXXX, and met direct deposit requirements of at least {$10000.00}. They confirmed this. However, they refuse to give me the {$500.00} bonus even though I met the requirements since XX/XX/XXXX. I have been waiting for the money ever since. 

I asked for reason why they didn't give me my bonus on a checking account. They confirmed that I have met the requirements but that I have closed a business account few months prior. The terms and conditions state I would be not eligible if it's a consumer account, which I did not have. My business account belong to my company, not me. The XXXX XXXX XXXX does not state having previously closed business accounts would be ineligible. 

Therefore, I think they are in violation of the XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Upstart Holdings, Inc. (NY)

I paid my upstart loan off, Then they sent my stuff to collections. in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 16 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose
Consumer complaint received 2024-01-29
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent on my credit report. I requested to remove. 
XXXX  XXXX. XXXX XXXX report XXXX days delinquent. I requested to remove. 
XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent. I requested to remove. 
XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX reported me XXXX, XXXX, XXXX, XXXX days delinquent. I asked to remove. 
XXXX XXXX, XXXX XXXX reporting late payments every month. I requested to remove. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX reporting delinquent on payments XXXX, XXXX XXXX days. I requested to remove. 
XXXX  XXXX reporting XXXX days delinquent on my credit report. I requested to remove. 

these banks are all reporting and violating 15 USC 1681 section 602 section 604a section 2
Consumer complaint received 2024-01-29
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. (PR)

On my Credit Report there are certain accounts that I would like to see reviewed by the CFPB. The providers of these accounts continue to state that the accounts are accurate. I personally differ greatly from this. These accounts cause great distress to me and greatly affect my financial life. 

The first account is XXXXXXXX XXXX  XXXX, this account presents a False Last Payment Date, a False Closed Date and does not present a pattern of days late of XXXX days late before the account was Charge off by the account provider. ( please see payment history for reference ) The second account is XXXX XXXX XXXX XXXX, I have already disputed this account several times and the Date Update ( XX/XX/XXXX ) shows us that the account has never been previously investigated. 
The Third is XXXX XXXX XXXX, this account also presents a False Last Payment Date, a False Closed Date and does not present a pattern of days late of XXXX days late before the account was Charge off by the account provider. ( please see payment history for reference ) The fourth Account is XXXX XXXX. I have also disputed this account several times and the Date Update ( XX/XX/XXXX ) shows us that the account has never been previously investigated. 
The fifth account is XXXX XXXX, this account also has a False Last Payment Date, a False Closed Date ( please see the payment history for reference )
Consumer complaint received 2024-05-31
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: LEXISNEXIS (GA)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX Lexis Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my Lexis Nexis consumer report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Bankruptcy Records 1 XXXX XXXX XXXX Petite Bankruptcy Filing Number XXXX Please delete, remove and block this information from my Lexis Nexis consumer report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Lexis Nexis consumer report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Driver 's License Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Pacer does not show my full social security number like Lexis Nexis stated. This bankruptcy was filed fraudulently under my name or may be someone's bankruptcy. I have filed and identity theft report so Lexis Nexis can delete this fraudulent bankruptcy immediately.
Consumer complaint received 2024-07-01
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. (AL)

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 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (TX)

I got a phone call from " XXXX XXXX '' supposedly from US Bank Fraud Services. His phone number was XXXX. He told me that my XXXX  from Pennsylvania tried to use my credit card information. I told him I do not have a XXXX  in Pennsylvania. He asked me to verify my last charges and when he said XXXX XXXX XXXX, I could not understand him. I logged on to my account and my password was changed. I told him that something was wrong and HE told me the new password was XXXX XXXX  XXXX I used the new password and was able to verify the last charge. I asked was he sending me a new card and he said NO, we are putting special tracers on this account so " we can put these people behind bars ''. I ended the call and called the US Bank and told them what happened. They blocked my online account and issued me a new credit card. The XXXX Banking tech support told me to contact them when the new card comes in so I can get it re-setup with new card information.
Consumer complaint received 2024-01-29
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. (IL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-07-03
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-29
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)

I attended a event in XXXX and my purse was stolen that included my personal information. A police report was filed with the XXXX XXXX police department, and I was advised to continue to monitor my credit report in the future. I recently pulled a copy of my credit report and noticed accounts and inquiries I have no affiliation with or knowledge. I contacted the credit bureaus in XX/XX/XXXX and XX/XX/XXXX to request verification of the accounts. I was also informed that my information was included in an XXXX XXXX. Furnishing information to my account with my written consent or knowledge is in violation of 15 USC 1681B. 

I have thoroughly researched, and these accounts being furnished to my profile are from someone using my information without my knowledge. Furnishing accounts due to identity theft further violates my consumer rights, specifically 15 USC 1681 c-2. 

I have affiliation with XXXX XXXX or XXXX XXXX XXXX.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX, XXXXI received the bank letter, which is Chase and XXXX XXXX.It says that I got an identity theft, mentioned that some one may be using my personal information fraudulently and declined an application because of this.So, I want to know whats the reason that I have this kind of problem, and what should I do with this.Thank you.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-29
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. (MS)

see attachments

DELETE ALL PERSON INFORMATION FROM MY CREDIT REPORT BESIDES THE FOLLOWINGXXXX XXXX XXXXXXXX XXXX

ADDRESS
XXXX XXXX XXXX XXXX MS XXXX
Consumer complaint received 2024-04-30
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX  Reports regarding the account that do not belong to me.
Consumer complaint received 2024-01-29
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. (MA)

I am writing to bring to your attention an issue I am facing with TransUnion concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information, and to date, they have not responded. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the inaccurate information and required corrections are outlined below : The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Original Creditor : COLLECTION Please remove it from my credit report The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Type : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Please remove it from my credit report. 

The following account is not mine : Type : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Please remove it from my credit report. 

The following account was never late : Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$330000.00} Please remove the late payment. 

The following account was never late : Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2024-05-31
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (AZ)

On XX/XX/XXXX, I received store credit cards from both Target ( Target Circle ) and XXXX XXXX XXXX Card. 

I did not apply for any of these cards and was not expecting either of them to come. I have not yet personally activated either of the cards. 

Today, XX/XX/XXXX, I contacted both XXXX XXXX and XXXX 's card departments. I was unable to reach a human representative at XXXX XXXX to explain my situation. However, I was able to reach someone at XXXX. I filed a report with their fraud department, but they also informed me that I have a balance of over {$400.00} from the in-store purchase of an XXXX on XX/XX/XXXX. I was neither in the store nor purchased an XXXX on XX/XX/XXXX. Their fraud department is supposed to be sending me paperwork within XXXX days so they can begin investigating whether it was fraud or not. 

I will be attempting to contact XXXX XXXX again today to see about talking to a person.
Consumer complaint received 2024-01-29
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. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2023-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc. (KS)

I purchased a new vehicle from XXXX XXXX XXXX dealership at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Mo XXXX on XX/XX/2022. I questioned the interest rate I was given at 6.4 %, which is high. I qualified for the 1.9 % rate that they advertised due to my credit score and circumstances. I contacted Gm financial and they advised me to contact the dealer. I did and went back in and signed a new legal contract at 1.9 %. I wanted to know my payoff and recently found out the dealership per Gm financial never sent them the revised contract to the lender. I believe that I was not offered the 1.9 % from the beginning because of XXXX discrimination and after I signed a new contract they still did not send it to Gm financial. This is illegal and unethical.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and XXXX XXXX XXXX XXXX XXXX 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2023-08-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-07-29
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: EQUIFAX, 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.

The letters are stated with items and issues.

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 2022-12-05
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. (GA)

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information ( 16 CFR 313 ) to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also per IRS publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.