davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was a victim of fraud with the Bank of America Edd XXXX debit card. On Monday XX/XX/2023 when my benefit payment went through somehow my debit card was duplicated along with my pin number and my account was emptied from an ATM. I called Bof A and reported it immediately. I waited 9 days for them to complete their " investigation '' with no possible way to get any kind of access to my funds. I was told a new card was sent a week prior and that I should have received it by now. I never received anything so I asked them to please send me another card in hopes to prevent further fraud. On Tuesday XX/XX/XXXX ( 15 days later ) I finally receive the new card. I activate it and head to an ATM to finally pull out some cash only to be declined. I call answer all of my security questions and still I am denied access to my unemployment insurance. So ultimately what I have gathered is that Bank of America will hand your money right over to criminals but refuse to give the Unemployment " insurance '' funds to who it belongs to.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am on the phone with XXXX. After providing them with the correct information and other important information about myself on unsecured phone lines XXXX  refuses to correct my report as it should have been to start with. This is a problem as anyone can use this to destroy my credit. They must be limited to your name SSN, DOB and current correct phone number and email address on file to  protect Citizens. XXXX must send a code to allow Citizens to see their Credit Report and Score in real time once we have this information. XXXX also refuses to provide me with my correct and current Credit Report and Credit Score. XXXX has put me on hold for more then 10 minutes and just returned to the line. XXXX still insist 's that I pay them a fee of {$7.00} to send me my current Personal Credit Report with the Score. Through contact with my Bank, XXXXXXXX XXXX and XXXX I discovered that XXXX  lowered my Credit Score 85 points from XXXX to XXXX and then again the next day another 3 points to XXXX. It is still going down and is incorrect. My Bankruptcy is older then 10 years and it is still being reported and used against me. There is no Mortgage information being reported even though I have two mortgages. A XXXX loan not reported to XXXX and VA  loan now being reported by XXXX XXXX. It appears that there is a law that Credit Reporting Agencies are allowed to lower Credit Scores by as much as 100 points during the time a Mortgage has been transferred to another lender. This adversely effects Citizens and causes serious financial harm to the Citizen. It must be stopped in the interest of Justice!
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I was late in making a payment. I submitted payment to pay off the account balance in its entirety. After I made the payment they processed interest due on the late payment. They reported that interest due as the account being delinquent to the credit reporting agencies. 

I called XXXX XXXX  XXXX and spoke with their customer representative and went through the sequence of events and asked why my account was reported as delinquent, when it clearly was never delinquent. His response after reviewing the account information was that he could see the account was paid but their systems are set up at corporate level and he could nothing about it. I asked to speak to a supervisor, was told none were available but one would contact me within XXXX hours. I never received a follow up phone call from anyone at XXXX XXXX  XXXX.
Consumer complaint received 2023-10-16
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. (NV)

I had three credit card accounts which were reporting to XXXX, Transunion, and XXXX. However, these accounts had different balance amounts. Due to being a victim of identity theft on the Dark Web, as confirmed by XXXX, I placed a freeze on XXXXXXXX XXXX and XXXX. I am filing a complaint with the Consumer Financial Protection Bureau regarding these issues. 

The derogatory marks from these three credit cards need to be removed from all three credit reporting agencies ( XXXX, XXXX, and Transunion ) because you did not provide written consent for this misinformation to be reported. Additionally, there have been numerous hard pulls from lenders and businesses that I am not familiar with at all, which further violates your privacy rights. It is important to rectify these inaccuracies and protect your reputation by ensuring that the erroneous information is removed from all three credit reporting agencies! 

Furthermore, the request to remove the derogatory marks extends to all the hard pull inquiries as well. I am not familiar with the majority of these inquiries, apart from XXXX, it is important to rectify the inaccuracies against my Privacy and rights per CFPB! I am requesting the removal of all unauthorized hard pulls and to ensure that my credit report accurately reflects only the inquiries you have authorized or are familiar with. In conclusion, this complaint is made with a strong emphasis on protecting my privacy rights, as guaranteed by the Consumer Financial Protection Bureau ( CFPB ). The unauthorized reporting of misinformation from the three credit card accounts to XXXX, XXXX, and Transunion, along with multiple hard-pull inquiries from unfamiliar lenders and businesses, is a clear violation of my privacy rights. One reports 7 negative Marks another just 3 and another 5.

I request that all derogatory marks associated with these credit cards and the various inacurate information be immediately removed from all three credit reporting agencies, ensuring the accuracy and integrity of my credit reports. Additionally, I demand the removal of all unauthorized hard pull inquiries that I am not familiar with, with the exception of XXXX. 


By addressing these concerns, I seek to restore my creditworthiness, protect my personal information, and maintain the privacy rights that are fundamental to every consumer. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify these infringements and prevent such violations in the future. 


Thank you for your attention to this matter and for upholding the principles of privacy rights and consumer protection.
Consumer complaint received 2023-10-16
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX Account XXXX This account reported a late payment on ( XXXX, XX/XX/2023 ) the company Agree to remove the late payments from my report and change it to Never late. The account status should be never late. Please remove any late payment on this account
Consumer complaint received 2023-10-16
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. (LA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX : {$420.00}.
Consumer complaint received 2023-10-16
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.
Consumer complaint received 2023-10-16
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. (FL)

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$230.00}.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CA)

I was trying to set up an payment arrangement the rep that told me was the payment schedule and the amount. but i got the bill different so when i called them back they said that their maybe some extra charge after the last payment. i been asking them to sent me contact never have one. i been told totally different. they are rip off.
Consumer complaint received 2023-10-16
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. (FL)

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$230.00}.
Consumer complaint received 2023-10-16
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. (AZ)

XXXX XXXX has once again destroyed my credit and dropped it from an XXXX to a XXXX for a matter that should have been resolved in XXXX. I contacted the company every month to pay my bill in the PAST ( before the first negative credit reporting ) and was advised to seek help/call the XXXX help line which I did. Their representatives repeatedly advised that the problem had been fixed and my payment would be processed. They then reported me to the credit bureaus for being late which significantly damaged my credit. I filed a complaint with CFPB and XXXX  at that time. My credit score was restored and increased to an XXXX reflecting that I take a lot of pride in paying my bills on time!

XXXX has once again reported me to the credit agencies for a matter that should have been resolved in XXXX ( 9 months ago ). I view this NEW credit reporting to the credit agencies as retaliatory in nature for the complaints that I made to CFPB and XXXX  in the past. I have made every single payment on time with XXXX since I had to fix the problem myself back in XXXX with no help from them. I view this new credit reporting regarding an old issue as an attempt to continue to harm me for reporting their horrible business practices. I obviously pay XXXX bills on time or I wouldn't have an XXXX credit score. And I didn't have a single missed payment with my previous mortgage lender for 6 years ( the life of my mortgage with them ) so the problem is clearly THEM.
Consumer complaint received 2024-04-05
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. (OK)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( S ) 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 or 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.

These inaccuracies are hindering me from future lines of credit.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was late in making a payment. I submitted payment to pay off the account balance in its entirety. After I made the payment they processed interest due on the late payment. They reported that interest due as the account being delinquent to the credit reporting agencies. 

I called Bank of America and spoke with their customer representative and went through the sequence of events and asked why my account was reported as delinquent, when it clearly was never delinquent. His response after reviewing the account information was that he could see the account was paid but their systems are set up at corporate level and he could nothing about it. I asked to speak to a supervisor, was told none were available but one would contact me within XXXX hours. I never received a follow up phone call from anyone at Bank of America.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-06-07
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. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$9200.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00}, XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$560.00}, XXXX XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-09
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. (TX)

I have requested for a company to be investigated for incorrect reporting into my credit files. My request were submitted multiple times for the past six months. I have requested for the creditor to be required to submit a CONTRACT that obligated me to a claimed debt. The company has only supplied a bill in which is NOT a form of validating a debt. I have requested a signed contract with my name and social security number to be attached with my signature. Documents has not been supplied by the creditor to myself or to the reporting credit agencies. 
Transunion and XXXX credit agency has continued to report derogatory information without thoroughly investigating the alleged debt. 

My request is that Transunion Credit agency as well as XXXX comply with the FCRA section 616 and supply me with their method of verification from original dispute. 

RE : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT ; {$3500.00} ADDRESS- XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX PHONE NUMBER : XXXX
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (IN)

Took one course at the college. I am not the authorized or guarantee of the account. The school attempts to charge me through creditors, not the other person. School never notified me, illegally listed me as a resident of their campus and attempt to fraud my credit reports. One creditor agreed to remove yet still on my reports.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2023 I got an email alert from my bank saying that there is a change on my Experian credit report. a lender reported that I opened a new account with them. I call the company name XXXX  and the said they cant see any line of credit open and I should call Experian which I did. I call them and they saw the open account name XXXX  XXXX they told me to file a police report and also go to FTC. Org to file a report. I went ahead and file the report the same day. 

On XX/XX/XXXX I saw an alert from my bank saying there is charge on my debit card in the amount of {$140.00} on XXXX XXXX. I immediately call my bank and cancel that charge. They went ahead and blocked my debit card and told me that they will have to cancel my card and issue another one which they did am still waiting on the new card. 

Am a victim of fraud and someone have my information and using it to open a credit card and trying to charge my debit card. I don't know what to do cos am scared and I need help.