davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a thorough investigation and provide a response within 30 days. However, I allowed an additional 30 days for the investigation, making the extended compliance timeline a generous 60 days. Shockingly, 60 days have now passed, and there is still no response from your bureau or resolution of this matter. It is utterly unacceptable that, despite the passage of an extended compliance timeline, no resolution has been reached, and the stain of these fraudulent accounts persists. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I have noted that other credit bureaus have taken corrective action and deleted the fraudulent accounts from my credit report. However, your bureau remains obstinate in its refusal to rectify this situation. This inconsistency is not only baffling but also raises serious questions about the competence and integrity of your investigative processes. 
XXXX XXXX PLEASE DELETE!! ! XXXX AND XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX PLEASE DELETE!! ! XXXX AND XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and thorough re-evaluation of my dispute, with a focus on expediting the removal of the fraudulent accounts from my credit report. This is not a request ; it is a demand for the immediate correction of this gross injustice. I expect your bureau to comply with the FCRA and take swift action to rectify the errors that continue to tarnish my credit history.
Consumer complaint received 2023-04-26
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: FC HoldCo LLC (TX)

I am writing this letter to request you to remove the late payments from my credit reports as indicated in the reports. According to the Fair Credit Reporting Act, any inaccurate or incomplete information in credit reports must be corrected or removed. 

I have reviewed my credit reports from your bureau and noticed that there are several late payments on my credit accounts that are inaccurate. I have attached copies of my credit reports highlighting the inaccuracies as well as the proof of the errors. 

I have been making consistent payments on all my accounts, and there have been no late payments beyond the initial late payment reported. Therefore, I request that you remove the negative reports from my credit report to enable me to improve my credit score.

I respectfully request that you investigate and correct the errors promptly to avoid further damage to my credit score. You may contact me if there are any queries or if you require additional information.

Using FCRA Section 611 ( 5 ) ( A ) and FCRA 15 U.S.C 1681
Consumer complaint received 2023-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

I am concerned that Experian may have allowed someone to setup a fraudulent online account for the purposes of unfreezing my credit report. However I am unable to contact Experian with the concern, as they appear to have no actual customer service. 

I discovered a fraudulent credit card in my name from a bank that I currently do business with. I had previously frozen my credit report with all 3 bureaus. I was able to login and obtain a free credit report ( confirming the freeze ) from 2 out of 3 agencies, using XXXX. But I was not able to retrieve my report from Experian. 

I attempted to call Experian, but there is literally no option to talk to a human at all ( though I spent at least an hour trying to do so ), and I as unable to confirm that my credit report was frozen. In fact, the computer prompted me to set a freeze or fraud alert. I attempted to create an online account to verify my freeze, but after creating the account I get stuck in a state where there is " an error '' whenever I attempt to retrieve my credit report, only there is no indication of what the error is and to way to get technical support from Experian with the use of their website. 

I had my wife create an online account and she was immediately able to retrieve her credit report ( and confirm that her credit report is frozen ). This adds to my concern that someone may have already created an account with my social security number -- yet there is no apparent way for me to report this concern to Experian.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
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. (FL)

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 XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. XXXX XXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. XXXX XXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX XXXX XXXXXXXX XXXX  ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. XXXX XXXXXXXX XXXX  XXXX ACCT # XXXX BEING CHARGED TWICE FOR THE SAME DEBT 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I was informed by your company XXXX Transunion ) that ( account XXXX ) with XXXX XXXX XXXX XXXX was deleted from my credit report. 

I have now realized that this same item was REINSERTED onto my credit report!

In Accordance with the requirements of the FCRA SECTION 611 ( 15U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than XXXX business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I have received no such notification, this is a serious violation of the FCRA AND I now reserve the right to pursue legal action for this clear violation of the FCRA! 
I demand that you immediately Delete this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX I entered a covid deferral under the Cares Act. My payment was due XXXX entered the covid deferral current. XXXX continued to add property management fees, driving by my house as if I was in foreclosure. In XXXX of XXXX I started communicating with XXXX about my options after the deferral ended. I did not receive information on my options until XX/XX/XXXX. I continued to call the special assets department and there assured me that my account was in good standing and I needed to wait for my new agreement to take effect. They would put the XXXX that was deferred to the end of the loan with no interest, waive late fees, continue to report me current, and I was to start paying my mortgage payment again, starting XX/XX/XXXX. I paid my mortgage through my bank on XX/XX/XXXX and it posted to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I got my first notice from the credit bureaus that my account was reported as 120+ days past due by XXXX . They continue to send e statements that ask for the full XXXX balance which is again against the Cares Act. They are not allowed to ask for a lump sum at the end of the deferral. I followed the agreement that was sent to me XX/XX/XXXX. I have been in touch with special assets and loss mitigation over 40 times combined. In the last 5 weeks since being reported to the credit bureaus, I have called and called to ask for them to fix my credit. I am a new business owner. My business opened last month. I was counting on my great credit score to be able to get loans for the business. Instead XXXX caused my score to drop XXXX points and I no longer qualify for loans.
Consumer complaint received 2024-04-02
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. (SC)

I am writing to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-12-27
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)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or remove the listed incorrect information on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX  Balance : {$66.00} XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I paid my credit card off to bring my total credit card usage down, to boost my credit score. I owed them {$2400.00} on this card. I paid them on XX/XX/XXXX the full amount down to {$0.00}. They never updated my credit usage on to reflect payment. My experian report still shows as of XX/XX/XXXX I still owe this amount. Hindering my ability to gain more credit for my new business. It showing a XXXX balance on XXXX but not on the other 2 agencies.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Complaint : Negligent action by Bank of America and possibly XXXX XXXXXXXX XXXX in handling the fraudulent act by the partyXXXX XXXXXXXX to whom the check was made out to causing us a loss of {$1800.00} Dear Sir : We were defrauded by XXXX XXXX, who was hired by us for some paint job . A check # XXXX for {$1800.00} from Bank of America ( BOA ) checking account ending with XXXX was issued to him on XX/XX/ in the evening after XXXX XXXX 

He cashed the check same evening using a mobile deposit using XXXX XXXX account without an endorsement. Next morning on XX/XX/ he went in person to BOA branch to attempt to cash the check again. Although, BOA teller did not cash the check, the bank should have known that the check # XXXX was already cashed and hence the bank should not have returned the original check back to XXXX XXXX. 

XXXX XXXX returned our original check back to us and demanded cash instead, as the Bank would not cash our check for him. We contacted the BOA branch office, ( when XXXX XXXX was present in the bank ) to inquire as to why our check was not being honored, we were not provided satisfactory answers. That left us no alternative but withdraw the funds ourselves and give him cash. 

The bank should have aware that the check was already cashed through mobile deposit as per its posting seen on monthly statement. BOA failed to let us know the cause of not cashing our check. 

We were shocked to see that the check was cashed when we got our monthly statement on XXXX  We promptly called the fraud line of BOA and lodged a complaint with check fraud department. Complaint # XXXX. We also lodged a complaint with BOA branch in XXXX California. 

Reviewing the images of the check on our monthly statement clearly shows that the check was not endorsed ; it was submitted as a mobile deposit at XXXX XXXX bank on XX/XX/ and it was posted by BOA on XXXX 

We feel the both Bank of America and XXXX XXXX banks were negligent in their operation. 

Inquiring with the BOA on XXXX, we were told that they have received all the necessary documents from us and inquiry is in progress. 

I believe it is systemic issue that someone can cash a check through mobile deposit in the evening and then go to the bank in person next day and try to cash the check again without the bank not catching it. 


Please look into the matter and see if we could be made whole on our unwarranted loss. 

Sd/- XXXX XXXX Filed Online.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( CHASE ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX  XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX I was trying to purchase a car for my son via XXXX. I thought the person I was talking to was the person I knew. They told me they had multiple people wanting the car and to secure it a deposit of XXXX was need so I made the transaction through XXXX when I realize like 30 minutes later I was scammed I called the bank to dispute it. First I spoke to someone close to XXXX XXXX the same night and they told me the money would be back by the end of the next day if not to call back so I called the next day and someone to me I had to submit a claim to chase when I did the claim they emailed me back saying they cancelled my claim. So I called bank again and a representative told me I had to call XXXX and make a claim or dispute so I XXXX a number for XXXX and called so when they answered they knew my name and information and ask if I was calling about the {$500.00} XXXX transaction I said yes, then they told me I had some pending transactions on XXXX since they had gotten me through XXXX. They told me they owned XXXX and XXXX I asked for a name, ID number and they provided that information so I thought it was XXXX, They ask me to down load an app and no one could see information but myself then they asked if I knew of someone trustworthy to XXXX the pending transactions they had on their end and the person would send it back. I sent my daughter XXXX XXXX XXXX and she sent it back then they told me I had one more pending transaction for XXXX I sent it to my son and he sent it back so when i went to check my bank account they had done unlinked my debit card and my money was gone and the phone hung up. I immediately went to the bank and the tell called did a claim they said once it cleared they would deposit money back. It was a Thursday I went back Tuesday it was a different outcome they wouldnt put the money back because it look like I made the transaction on XX/XX/XXXX. I have been going back and forth for a manager since the XXXX of XXXX. He finally called XX/XX/XXXX because I wanted his supervisor. If they would not hVe told me to contact XXXX this would not have happened
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.