davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern, I purchased a vehicle through XXXX and financed the vehicle through XXXX financial on XXXX XXXX. I was involved in a not at fault on XXXX XXXX and the vehicle was deemed a total loss. The insurance company requested a payoff balance and promptly remitted payment on XX/XX/XXXX for XXXX and additional payment for {$770.00} on XX/XX/XXXX. My account has a XXXX balance but yet I am showing conflicting information in the XXXX portal where it shows {$0.00} payment due. Then when I review all payment details it shows a balance of XXXX which is reporting to my credit report as late every since XXXX of XXXX. I am requesting that they close this account and remove all incorrect information from my credit report as these late payments and amount due are preventing me from securing housing. I have attached copies of my original loan documents, pay off letter from insurance carrier and proof of payments posted with Ally showing I did opt for GAP coverage which would have taken care of any additional outstanding balance. ( never received refund for unused premium ).
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are inquiries on my TransUnion Report that should not be there These inquiries were added without my knowledge. in compliance with the tair credit reporting at these inquiries need to be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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. (TX)

I have never authorized, consented to nor benetted from the following accounts/inquires please remove the following within 4 business days pursuant to 15 USC 1681n - Civil liability for willful noncompliance : 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX XXXX Inquries : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which 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 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Citibank offered a checking account promotion for new customers. 

1. I opened an account over the phone on XX/XX/XXXX with a Citibank CSR. The online offer stated fund the account in 20 days however the Citibank CSR stated " since we don't have any physical branches in Texas and you applied by phone, you have 30 days to fund the account. I said are you sure. She said absolutely. Please check phone logs. 
2. {$15000.00} was credited to my account on XX/XX/XXXX. 
3. Maintain the balance for an additional 80 days. I maintained the {$15000.00} balance from XX/XX/XXXX to XX/XX/XXXX. 86 days. 
4. Upon successful completion of the above within 90 days a {$300.00} Citibank bonus will be credited to your account. 
5. Spoke with XXXX ( Citibank CSR ) on XX/XX/XXXX, she said promotion code was applied correctly to my account and everything looks wonderful on your account from funding to maintaining the balance. A case was opened XXXX. Still no satisfactory resolution.
Consumer complaint received 2023-08-31
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc. (TX)

My Chapter XXXX was paid in full and discharged in XX/XX/2018 the discharge included my student loan totally {$7400.00}. XX/XX/2018 I received notice from XXXX XXXX I had a late payment show up 90 days past due. I reviewed and it was NELNET for a student loan.I called NELNET and was told is was for non-payment of my student loan. I explained to them the debit paid in full and included in my Chapter XXXX bankruptcy discharge. I uploaded a copy of the discharge to their website over 2 weeks ago and no one has responded or corrected the negative credit reporting. I just received notice that they are reporting it 150 days past due now. I do not know what else to do to resolve this matter. It's having a negative impact on my credit and the debit was paid in full. They made no attempts to contact me and I learned of the negative reporting by XXXX XXXX. If something is in question or being investigated I would think they would hold reporting anything negative until the matter was reviewed. Do we not as consumers have rights? Guilty until proven innocent.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-08-31
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04
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)

This is in reference to : XXXX XXXX XXXX Account : XXXX Balance due : {$800.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I never used this company but this merchant took out money from my account several times. I request my bank ( WellsFargo ) to step in for help. 
WellsFargo couldnt proceed further and advised me to contact the merchant ( XXXX ). Its been 4 months that I am dealing with XXXX but cant get any result beside we will update you
Consumer complaint received 2023-10-31
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)

Several inquiries were made in my name on all XXXX credit bureaus beginning XX/XX/2023. An XXXX XXXX credit card was approved in my name although I never applied for it and I never requested these inquiries on my credit. I received an alert from my bank and then an email stating the credit card was on its way. I notified XXXX XXXX that this was a fraudulent request and the card was cancelled before the thief even received it in the mail, although they had already activated it online. I correct the email address and phone number XXXX had listed for me since it belonged to the thief and not me. I activated a security freeze on my XXXX and Transunion accounts so far.
Consumer complaint received 2024-04-22
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. (IL)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-08-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I went to get gas from the XXXX station at XXXX XXXX XXXX XXXX, PA XXXX. At the station there was an individual that asked to pump my gas and would not leave me alone when I said no. I put {$20.00} worth of gas in the tank of my XXXX XXXX XXXX, the only car I own, replaced the pump and left the station. 

The evening of XX/XX/XXXX, I noticed a charge of {$170.00} on my Bank of America credit card account. Suspecting that the individual somehow used my card details to steal {$150.00} worth of gas, I called Bank of America to report the fraud. I was told that the charge was likely just a hold placed by the gas station and I could not file a claim until it posted. When it later posted, I called back and filed my claim on XX/XX/XXXX ( initial letter from BoA attached ). 

I subsequently filed an official report with the XXXX police department reporting the fraud on XX/XX/XXXX ( document attached ). 

I received no further contact from Bank of America, until I received a charge for the full {$170.00} that was fraudulently charged to my account on XX/XX/XXXX. I did not receive any explanation at all until I received a " Resolution Letter '' on XX/XX/XXXX. The only explanation for this was that the chip of my credit card was read at the gas station, which was never in dispute and was reported to the bank at the start of the dispute process ( document attached ). 

My vehicle can not even physically hold that amount of fuel, I do not own any other automobiles or other gas powered vehicles. I did not authorize any other person to utilize my card to make additional purchases past the initial {$20.00} amount. There is no history of myself ever making a gas purchase of anywhere near that amount on any account I own, including the account in question. 

Due to the failure of either the merchant or bank to prevent this fraud from occurring, I should not be responsible for the extra charges.
Consumer complaint received 2024-04-22
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. (GA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2023-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One credit card I had originally on my closed account call it account XXXX of {$280.00} it went up to {$290.00} for a full pay off I paid the {$290.00} in full I will download the online reciept, ive tried to send the conformation reciept that I paid through XXXX several times it will not let me load it except once the company keeps stating there information is correct I have a new different account XXXX I with Capital One credit card that is a totally different account I paid {$95.00} dollars for a secured card that in there policy states after XXXX to 9 months I would receive the {$95.00} as a credit towards my bill for my # XXXX open account that I owe nothing on its been 2 years ive yet to receive that temporary deposit for the # XXXX open account, also Capital One credit card mixes my closed # XXXX credit card account payments with my # XXXX open account payments I want the {$290.00} XXXX they charges me for the old # XXXX Capital One credit card account off my credit report immediately the dates are all in accurate for the XXXX I've opened my first card with them if you ask for there account dates and payments it's shows even though I owed {$280.00} for the first card they opened another card while I owed them for the first account that they claim I did not pay I have the reciept reference number date amount {$290.00} XXXX.
Consumer complaint received 2023-12-21
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)

This is a follow up. It's been 30 days and still no result. Under federal law, you have 30 days to complete your reinvestigation. 

On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX XXXX XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GOLDMAN SACHS BANK USA (NH)

I bought a XXXX XXXX Order Number : XXXX Order Placed : XX/XX/XXXX. I was issued an Apple credit card/account. It is the only transaction associated with the account. 
Goldman Sachs was provided an email address from Apple in the account setup. The email address XXXX. That email address was assigned by Apple over 20 years ago and has never been used other than as the Apple account ID. It is not used for or monitored for correspondence and never has been - without a problem for over 20 years. It can not be deleted ; I tried years ago, concerned that it would lead to confusion, which it has. 
Goldman Sachs attempted to reach me using that address to indicate that payment ( s ) were overdue. Needless to say, I never received those notices. 
I make auto payments directly through Apple for other products and services every month. I believed the payments were being made automatically to Apple for the product purchased. After 39 years without incident I do not monitor Apple auto payments monthly. 
I have never had a late payment before ( check my report ). I built and maintained a credit history rated excellent on all three reports for decades. It is now trashed due to an email address I never use ( other than as account ID ), do not want and did not understand would be the basis for contact from an institution I did not deal with directly. 
Fair redress in my opinion would be to remove the delinquent report from my credit rating. If there is a penalty due to my not understanding the complexity of the transaction so be it, but the damage done to my credit does not reflect my credit worthiness accurately and resulted from correspondence between Apple and its credit account partner. All outstanding payments were made within minutes of my learning they had not been as expected. 
I contacted Apple on XX/XX/XXXX and again on XX/XX/XXXX. Case ID : XXXX. On both occasions I was forwarded to Goldman Sachs. On XX/XX/XXXXXXXX  I was advised that a supervisor would review and contact me - no one did. On XX/XX/XXXXXXXX  I was told that Goldman Sachs could not address the problem other than to tell me to change the email address that I never used intentionally and can not delete.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened an account at Truist with a {$50.00} deposit. They immediately marked it as fraud. I thought Truist closed it. However, they have been charging maintenance fees which has depleted the {$50.00} and caused {$20.00} in overdraft fees.