davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Credit card or prepaid 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: Block, Inc. (AL)

I stopped by XXXX XXXX XXXX on XX/XX/2022 around XXXX, to get gas. However, I cancelled the purchase before pumping the gas ; but my funds were placed on hold by Cash App. The representative with Cash App stated that the gas store places the hold ; and the gas store representative said that the credit card provider places the hold. Either way, I reached out to the Merchant and to Cash App trying to get this matter rectified. It has been 3 days since my {$120.00} has been pending on Cash App end.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX Account # XXXX Account type : credit card In accordance with the fair credit reporting act, public law 91-506, title VI, section 611 please provide the names and business addresses of each individual with whom you verified above so I may follow up. please send an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TN)

Transfer to XXXX XXXX for XXXX on XX/XX/29. He represented himself to be from Chime. 

Transfer to XXXX for XXXX on XX/XX/29. He represented himself from XXXX to assure me he could free my account that had been hacked. 

Transfer ti XXXX for XXXX on XX/XX/29 for the same reason as above concerning XXXX.
Consumer complaint received 2024-01-01
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. (NV)

A lot of hard inquiries are on my credit report and some of the personal information is incorrect. Also, some of the previous credit accounts are wrong. I do not understand how the credit bureaus, all three XXXX, XXXX, and Experian are getting their information because it's not from me. Some of the information is correct but some information is incorrect. I can provide the exact information I need to be corrected once this complaint is further resolved.
Consumer complaint received 2023-12-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (PA)

Planet home lending charged me approximately {$11000.00} in property tax as a part of an escrow analysis. Per the XXXX office of property assessment my actual tax rate for my house assessed at {$410000.00} is roughly {$5700.00}. Per my request they recognized this error. However, they refused to correct my escrow account to reflect this inaccuracy, and continue to charge me for a tax bill that doesn't exist. Per my XXXX mortgage payment nearly {$2200.00} of my payment went towards a fraudulent tax payment. I feel this constitutes both wirefraud and extortion as they did knowingly overcharge my escrow and have the authority to assess fines and penalties if i do not make timely payments on my mortgage.
Consumer complaint received 2022-11-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CITIZENS FINANCIAL GROUP, INC. (ID)

I sent Citizen bank a proper legal notice of contract rescission with the appropriate form and identifying information. They replied with a loan satisfaction letter, implying that congress had put in the US code something about satisfied loans not being eligible when quite the contrary. Congress specifically says ALL consumer credit transactions made before or after XXXX of XXXX  are applied to this subject matter. Citizen bank will be in violation of said code on the XXXX of this month for that marks their 20day limit after receiving notice. I am going to continue sending them letters until they send me my check that congress says they have no choice, but I just wanted a notice on public file as well. as of today the XXXX of XXXX, they are officially in violation on the law. A guy named XXXX received my service since Citizens refused to give me the name and address of the agent that is registered for process of service. He will be the one held civilly liable.
Consumer complaint received 2023-12-31
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. (NY)

Experian, After carefully reviewing my credit report, I cant understand why all this unauthorized inquires that are reporting on my credit report. Please remove all and delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance of Fair Credit Reporting act XXXX XXXX account XXXX XXXX XXXXXXXX is in violation of 15 U.S.C. 1681
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. 
I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
The accounts are : XXXX XXXX  XXXX - XXXX  XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. 
In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation
Consumer complaint received 2023-12-31
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. (OH)

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 account number XXXX XXXX, XXXX account number XXXX XXXX XXXX Account number 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 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 2022-12-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Was offered a {$300.00} checking offer by Bank Of America. 
Fulfilled all the requirements. 
Have not received the bonus as advertised by Bank Of America. 
Received confirmation of Direct Deposits Received by email each time. 

Attaching Email with Offer from Bofa. 
Attaching Email with Account Opening proof and date. 
Attaching Emails with Direct Deposit Received from Bofa proof. 
Attaching Direct Deposit Form Submitted to Employer.

Attaching Direct Deposit Instructions through Employer which state XXXX is used. 


" Heres how to qualify for your {$300.00} bonus : 1 Click to enroll now or request enrollment with a Bank of America associate. 
2 Open a new personal checking account by XX/XX/XXXX. 
3 Make Qualifying Direct Deposits* totaling {$4000.00} or more within 90 days of account opening. 

" A Qualifying Direct Deposit is a direct deposit of regular monthly income '' " After you satisfy all of the requirements, we will attempt to deposit the earned bonus directly into your new Bank of America XXXX XXXX  account within sixty ( 60 ) days. The Bank of America XXXX XXXX account must be open and in good standing up to and including the date any earned bonus is paid. '' Account opened XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX {$5100.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$290.00} XX/XX/XXXX XXXX XXXX {$850.00}
Consumer complaint received 2023-08-28
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX  XXXX Balance : {$360000.00}.
Consumer complaint received 2024-01-01
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'm in the process of buying a home and I realized I had damages on my credit report According to the 15 U.S. Code 1681 there should not be any damages on my credit report it's a defamation to my character. " I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' XXXX XXXX XXXX XXXX {$23000.00}
Consumer complaint received 2023-10-26
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. (MA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-05
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. (PA)

THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.
Consumer complaint received 2024-05-05
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)

Upon reviewing my credit report, I discovered an account with inaccurate information showing two late payments that were actually made on time. I have attached a copy of my report dated ( insert date, month, and year ) for your reference. I request a thorough investigation to provide verifiable proof that these payments were late. If unable to verify, I demand immediate correction to reflect the payments as on time. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-02
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-07
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : 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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. I had recently reviewed my credit report and saw inaccurate information being report resulting in significant negative impact on my credit report. I never authorized this lender to make a hard inquiry on my credit report. Per credit consumer law ( 15 U.S. Code 1602p ) I request that you please remove this specific hard inquiry from my credit report immediately as for it is causing damage to my credit report proving inaccurate information which is in violation of my rights and of the FCRA.

I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. As well as reporting late payments on my account this is inaccurate information that is having a negative effect on my credit report causing a negative impact on my credit score and payment history. Under 15 U.S. code 1681s - 2 that is in violation of the law and my rights to report any inaccurate information. As well in violation of 15 U.S. code 1681 ( b ) reporting any information regarding my credit report without my written consent. With my account being shown as a charge off of bad debt that is inaccurate and having a negative effect on my credit report causing severe damage to my credit score and history under 15 U.S. code 1601. Regarding the reports of late payments effecting my credit negatively I want to refer that under 15 U.S. code 1666 ( B ) it is a violation of my rights reporting inaccurate information. This is all in violation of the FCRA and I would like them removed immediately. 

I have previously submitted disputes with the following individuals TransUnion, XXXX and XXXX. The disputes have been submitted on 3 or more separate occasions dating back from XX/XX/2024 til currently over the time period I have asked for them to verify proof there credit reports were accurate, they have yet to submit proof or proper accuracy I have pull credit reports from varies bureaus resulting in various instances where I found multiple instances of inaccurate information being reported having a significant negative effect on my credit scores.
Consumer complaint received 2023-11-07
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-12-31
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: Experian Information Solutions Inc. (CA)

XXXX. This account is not mines. I asked them to validate the debt and they couldnt. I have no contract with XXXX collection agency. The statement received from XXXX lacks validated identifiable information such as but not limited to my name, account number, amount of debt and most of all my signed signature on any contract with XXXX or original alleged debtor. 

XXXX. This information is inaccurate. The request to validate this debt is not within the scope of the fair debt collection law. ( see attached Exhibit A ) In stead I was sent a type checklist of action they and alleged debtor created with checkmarks but lacks my signature and validation. ( See Exhibit B ) checklist from XXXX XXXX agency. I contacted XXXX and informed them of this, and they said this is all they were given. This checklist. They could not provide a contract with my signature. 
XXXX. In according with XXXX XXXX Validation of debt requires the RMS must give the original contract with copy of the debt with their company name on it. 
XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX. I never had a debt with an alleged debtor. I had a federal student loan while attending school. This student loan was forgiven by the Federal government as part of the Total and XXXX XXXX XXXX XXXX XXXX  ) see attached C Effective XXXX XXXX, XXXX as I became XXXX by the XXXX XXXX XXXX XXXX 

XXXX. The loan holder did not follow the guidelines as outlined by the Department of Education in which created this debt. ( see Exhibit D to report all loans ). 

XXXX. The Department of Education discharge approved XXXX effective XX/XX/XXXX. To take effect retro on my XXXX date XXXX. XXXX, XXXX, is the effective date of the determination by the Department XXXX XXXX XXXX due to service connected XXXX. ( See Exhibit XXXX )
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear Sir or Madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Thank you.