davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NC)

Wait times to speak to a representative of this company ( a.k.a., TD Financing, TDF ) in the times that I have called have been over 117 minutes before I was unable to continue holding and had to give up. TDF is non-communicative by phone and by certified mail ( USPS, TDF has received, see attached ). The one time I did get through, TDF opted to not waive the late fee due to my late receipt of their USPS-mailed bill. I then immediately paid that late fee. I have had no late payments over nearly 3 years except that one, and none since. Nevertheless, TDF added a second late fee, in violation of their statement : " While we investigate whether or not there has been an error... : We can not try to collect the amount in question, or report you as delinquent on that amount. [ Adding subsequent penalties to an amount they are investigating is an attempt to collect ; also the company reported me delinquent to " credit bureau 's '' ( sic ) ] ... While you do not have to pay the amount in question, you are responsible for the remainder of your balance. [ which was paid, and on time ]. '' I have paid the remaining principal & interest to close my account but TDF insists my account is open and is adding late fees to late fees, ballooning my supposed balance in violation of their own terms.
Consumer complaint received 2024-05-09
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)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-01-08
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. (PA)

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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I was the victim of fraud by my sister. She has taken my identity, created fake ids, addresses and information. I have been in and out of the hospital due to XXXX  so I did not have a grasp on the situation and all of the true identity theft. I have prosecuted my sister and won the judgement to have the debts removed but yet they still remain. I have contacted all of the credit bureaus and provided the judgement inwhich they said they had it blocked and then unblocked due to the company submitting information but this information was never sent to me. The judge said if I had anymore trouble to submit but I have not been sent information from these companies inwhich I will list below. Also I have been at my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX for over 3 years and all other addresses are due to fraud that my sister has created fake ids and information on. 

I have contacted experian, XXXX, and XXXX on the following addresses that they refuse to delete : Addresses that are not mine are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have contacted experian, XXXX, and XXXX on the following accounts that they refuse to delete : XXXX XXXX XXXX XXXX ( Experian, XXXX ) XXXX ( Experian, XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, Experian ) XXXX ( Experian ) XXXX XXXX XXXX XXXX, XXXX )
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-01-08
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. (NY)

I sent Experian My Identity theft report. and They won't Delete. from my Report I also filed. with the federal courts in XXXX XXXX XXXX XXXX XXXX I sent them the court papers and they are ignoring them. they do what they want to do, they only care about the credit card companies not a XXXX Veteran. who has gone to war for this country? 
I demand!! them to delete. this XXXX XXXX credit card from my report immediately I will be sending I certified letter to the US congress. and I am going to sue them for two years of mental and suffering anguish. the amount is XXXX XXXX USD. 

EXPERIAN HAS DONE NOTHIG TO DELETE THIS FROM MY REPORT!!!!!!
Consumer complaint received 2024-05-09
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. (TX)

Dear Sir/Madam, I am writing to formally dispute several inquiries listed on my credit report. Upon reviewing my credit history, I have identified XXXX inquiries that I believe are inaccurate and unjustified. I kindly request that you investigate these inquiries and promptly remove them from my credit report. 

Below are the details of the disputed inquiries : XXXX. Inquiry Date : XXXX Creditor : XXXX XXXX  XXXX. Inquiry Date : XXXX Creditor : XXXX XXXX. Inquiry Date : XXXX Creditor : XXXX XXXX I would like to emphasize that these inquiries were not authorized by me, nor do they represent any legitimate applications for credit. As a responsible consumer, I am vigilant about monitoring my credit activity, and these inquiries do not align with any actions I have taken. 

Furthermore, the presence of these inquiries negatively impacts my credit score and overall financial standing. As you may know, excessive inquiries can signal to potential lenders that I am actively seeking credit, which may not be the case. Therefore, it is imperative that these inaccurate inquiries are promptly removed to ensure the integrity and accuracy of my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you conduct a thorough investigation into these disputed inquiries. Please provide me with the results of your investigation and take the necessary steps to remove any inquiries that can not be verified as legitimate. 

I appreciate your attention to this matter and your prompt action in resolving this dispute. Please inform me of the status of my request within the timeframe stipulated by the FCRA. 

Thank you for your cooperation
Consumer complaint received 2023-07-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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
Consumer complaint received 2024-05-09
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. (IL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CO)

I invested in physical gold with XXXX XXXX XXXX I wired them XXXX domestic wire of {$60000.00} and exchange for physical gold that was supposed to be shipped to my home. 

Never received the physical kept calling XXXX XXXX got the runaround then my calls and emails have gone and answered. Looks like they possibly have gone out of business and pocket of the money. 

I got my credit union involved, Navy Federal credit Union, and they tried contacting the other institution that I sent the funds to XXXX XXXX XXXXXXXX. But they havent had any luck and they went ahead and closed the case. And they said that my money would not be protected by the government, which I dont understand why.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-01-08
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. (PA)

I, XXXX XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference numberXXXX XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, 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. (FL)

XX/XX/2023 I was able to contact TransUnion by phone ive noticed unauthorized Inquiries on my report OR someone applied for something in my name.AND Fair Credit Reporting Act ( FRCA ) requieres a unverified and unauthorized tems must be remover from my credit report.They told me that i needed to make a complaint with the CFPB and a letter from me and send it to them.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : Subject : Formal Dispute of Inaccuracies on My Credit Report I am writing to formally dispute several inaccuracies that I recently discovered upon reviewing my credit report. These discrepancies are significantly impacting my ability to access credit facilities. As per my understanding of your procedures, I request that you thoroughly investigate these items to ensure their accuracy. 

Below, I have listed the specific items that I am urging you to verify for accuracy : XXXX XXXX XXXX XXXX XXXX Applied Bank XXXX I appreciate your prompt attention to this matter and your commitment to maintaining the accuracy of credit reports. Please inform me of the results of your investigation once it is completed. 

I would like for the items to be investigated and corrected
Consumer complaint received 2024-01-08
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. (FL)

I received a credit monitoring alert as to two inquiries furnished on my credit profile which was done so without my written or verbal consent. Per 15 USC 1681 I have the right to privacy and also fair and accurate reporting to my consumer credit profile and in this case my consumer rights were violated.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (KS)

My father, XXXX XXXX, is deceased as of XX/XX/21. His account with XXXX was current at the time of his death. I attempted to close his account and provided a copy of his death certificate, which XXXX indicated was not adequate proof. I verified numerous times with XXXX that his account was paid in full to which they agreed. Now they are attempting to collect for service after the time of his death and sending collection notices harassing my mother whose name appears nowhere on the account causing her unnecessary stress and XXXX. I would like for XXXX and XXXX XXXX to cease and desist all communications to XXXX XXXX XXXX, XXXX, MO XXXX as this is no longer the address of XXXX XXXX. I made every effort to resolve this matter to no avail.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX Balance : {$9300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-01-08
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I received a fraudulent transaction for {$22000.00} on my credit card, which I later learned from Chase was a watch from the vendor XXXX ( XXXX ). I reported this transaction immediately, and my card number, ending in XXXX, was canceled- also, my XXXX account was bombarded by newsletters from all over the world. Scammers do this to prevent the user from noticing alert emails. I received a text message from Chase, where they stated the transaction was declined. 

According to XXXX, a replacement card ( ending in XXXX ) was issued and sent to my home address in XXXX XXXX, NY, on XX/XX/XXXX. On XX/XX/XXXX, I noticed a suspicious transaction in my credit card activity. I called Chase immediately to report this again, and as I was talking to their team over the phone, a fraudulent transaction was being executed in XXXX for {$250.00}. That card was canceled again, and a third card was sent to my home ( XXXX ), which I received. 

The Chase team told me that the XXXX card was delivered, according to a XXXX proof of delivery, to my XXXX home on XX/XX/XXXX at XXXX XXXX, and it was being used in XXXX, GA, the next day. I have cameras at home, and that card was never delivered- it was stolen and not from my mail. In the end, XXXX transactions for {$360.00} were done with that credit card - all of them reported to Chase in a timely manner and removed. When you check the delivery details, it says it was delivered to XXXX, NY- not my house in XXXX XXXX, NY. 

On XX/XX/XXXX, all the transactions, a total of {$23000.00}, were re-billed to my Chase credit card. Chase is saying that I received the benefit for all of these transactions. The merchant, XXXX, is showing proof of delivery to my house, which never happened. My signature is not a match to any occupant of my home. It is important to mention that the proof of delivery of both packages is dated on the same day with a two-minute difference. As for the credit card XXXX  delivery, when you check the details of the delivery, it says it was delivered to XXXX, NY- not my house, which is in XXXX XXXX, NY. 


As a consumer, I did everything in my hand to stop this fraud, reporting everything in a timely manner and still being charged {$23000.00}.
Consumer complaint received 2024-05-09
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)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00}
Consumer complaint received 2024-07-18
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. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-09
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. (NY)

I am writing to convey a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is crucial that you take prompt and decisive action to address this issue, as it is severely impacting my financial well-being. I hold Transunion accountable for allowing these errors to persist. Despite my persistent efforts to seek justice and resolution, these fraudulent accounts persist on my credit profile, causing significant harm to my financial reputation. I am not simply requesting, but rather demanding that Transunion conduct an immediate and thorough investigation into these disputed accounts, remove them from my credit report, and provide me with an updated credit report that accurately reflects my creditworthiness. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-08
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. (GA)

I am not liable for this debt with charge off, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. This account is on my credit report for more than 7 years and 3 month. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-01-08
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. (MD)

I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. Collins v. Experian Credit Reporting Serv.. This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. Osada v. Experian Info. Solutions, Inc.. If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX v. Experian Info. Solutions Inc..