davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
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. (PA)

I am writing to bring attention to a matter that has been unresolved since my initial contact via mail and subsequent complaints filed with the Consumer Financial Protection Bureau ( CFPB ). Unfortunately, despite the passage of several months, I have not received the anticipated resolution from your department concerning the misleading and inaccurate entries on my credit report. 

***See letter about the details of the disputed information. ***
Consumer complaint received 2024-02-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (OH)

My information was bought and sold illegally because I was a victim of the XXXX data breach. I want these XXXX items deleted from all three of my credit reports effective immediately. Im attaching proof that XXXX has admitted I was a victim from the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports LVNV FUNDING LLC LVNV FUNDING LLC
Consumer complaint received 2024-04-03
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. (TX)

Despite multiple attempts to resolve this matter and request a thorough investigation, the credit bureau has consistently verified the account without providing substantial evidence or conducting a comprehensive review. 

I have raised this issue with the credit bureau on numerous occasions, and each time, the response I receive is that the account has been verified with a last update as of XX/XX/2021. However, this verification lacks transparency as it fails to provide specific details or documentation proving the validity of the reported account. 

Moreover, I personally contacted representatives from XXXX XXXX XXXX who have informed me that they do not have any record of an account associated with my name or information. Therefore, it is perplexing how an account can be reported as mine without proper validation or confirmation from the creditor.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-04-11
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (NC)

The following inquiries have been exposed in several data breaches and I have not applied for nor benefit from the following credit inquiries. I have unauthorized inquires that are not tied to any open accounts which should be deleted immediately. If not you are violating 15 U.S. Code 5 1681i.
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

I was scammed by a consumer, I paid the consumer for a service thinking it was legit and it was a scam ending up getting a charge back on my account and immediately disputed the charge through cash app and let them know this person was scamming others as well. I know at least 3 other people who were scammed by him. I tried to make them aware to shut down his account and explained I was scammed. My dispute was denied and my case was closed. I have tried several more times to dispute to no avail.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

After reviewing my credit report I discovered that there ais an inquiry on my report that is hindering my credit worthiness without my permission. This is in violation of 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 an account without my written instructions
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (WI)

I went to check my credit report looking into opening a new account in found multiple accounts that where in accurate fraudulent or in violation of my rights. I reached out to the companies know response i reached out to the credit for each violation. 

15 U.S CODE 1601 15 U.S CODE 1666B 15 U.S CODE 1601 15 U.S CODE 1692C XX/XX/year> {$42000.00} XX/XX/year> {$21000.00} XX/XX/year> {$2700.00} XX/XX/year> {$4800.00} XX/XX/year> {$4900.00} XX/XX/year> {$13000.00} XX/XX/year> {$580.00} XX/XX/year> {$220.00}
Consumer complaint received 2023-04-19
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

The account status listed on the accounts that are marked as charge off and written off on my XXXX report DO NOT have the same status on my Equifax and XXXX credit report. Due to this conflicting and inaccurate status, these accounts should be removed from ALL 3 credit bureaus immediately. 
- ( 3 ) XXXX XXXX accounts - ( 2 ) XXXX accounts- ( 2 ) XXXX accounts- ( 1 ) XXXX XXXX account - ( 1 ) XXXX XXXX account - ( 1 ) XXXX account - ( 1 ) XXXX XXXX account
Consumer complaint received 2023-09-22
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. (GA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Credit determination — 
Company: BBVA FINANCIAL CORPORATION (IN)

I applied for their credit card on XXXX/XXXX/2015, and I was approved instantly for the credit limit of {$21000.00}. I received a letter stating my credit score of XXXX using the Experian as their source about five days later, and I received their card about a week later. I believe I received the card on XXXX/XXXX/2015. 

I used the card on XXXX/XXXX/2015 and XXXX/XXXX/2015. On XXXX/XXXX/2015, I used the card and had a decline. I called the number on the back of a card and, and the regular customer service forwarded me to a fraud department. The fraud department representative told me that my account is under a review since the last purchase on XXXX/XXXX/2015. The reason for the review is unknown, but they will have an answer between XXXX - XXXX. I called them back between these time frames. After 1 hour of waiting to talk to someone, I talked to XXXX of the fraud dept. customer service rep. The rep, XXXX told me that she does n't know what the another fraud dept. rep. told me, but the review will not occur on weekends, only on business days ; thus, I will not have any information what-so-ever until Tues, XXXX/XXXX/2015 the earliest. She also told me that my account went under the review on XXXX/XXXX/2015, XXXX, and the review was placed manually by a human being. There was no note from the person who placed my account under this review. She said that most likely suspected fraudulent activity put my account on the review ; however, when I asked why I was not notified of the suspected fraudulent activity on my account, she said that the review and suspected fraudulent activity are different. Thus, they are not obligated to let me know what is going on. It makes no sense because she established the connection that most likely the suspected fraudulent activity put my account on a review. I am tired of this bank making up a story as things progress. 

I was upset and started to look into this kind of the issue with BBVA Compass bank, and I found some information at XXXX : XXXX Apparently, what I experience is not an isolated incident, but occurs rather frequently with this bank. And, in order to get an answer from this bank, I must get help from an agency like CFPB ; thus, I am doing so now just to get an answer.
Consumer complaint received 2024-04-03
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. (CA)

Today is XX/XX/2024. I checked my credit report and saw fradulent accounts open in my name. Please remove these accounts. I have never opened these accounts or used these services with these companies. 

XXXX XXXXXXXX XXXX - {$1800.00} XXXX XXXX XXXX - {$460.00}
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/year> I received an invoice from a vendor for US {$3200.00}. I paid with by business checking account debit card in US . I later found out that Citizens charged a " foreign exchange fee '' of {$89.00}. Even though there was no foreign exchange involved. I contacted Citizen 's who claimed that, despite what it said on my bank statement, this was a " foreign transaction fee '' and they were entitled to it by the terms of their " product disclosures '' although they refused to show me exactly where that was.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I have fallen victim to a scam of an online gaming/casino site. My understanding as to the rights I have as a consumer is that I have the ability to dispute charges that were made from a company that provided products that were not provided as advertised. I tried to dispute the charge in the amount of {$1000.00} on my Chase Freedom Unlimited Card, but am unable to get my money back due to Chase Bank not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with Chase Bank, explaining what happened. I have not yet paid any of the charges due to me still disputing the charges with them. Chase Bank has told me they are reporting it to the credit reporting bureaus. It will/already has hurt my credit score. I am not satisfied with the results of the disputes made with Chase Bank. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX ( XXXX XXXX XXXX ) was in fact an illegal scam site, designed to lure people like me and steal their money. There was no effort to figure out what exactly happened to me either, for example, the merchant locked my account and stole the money. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. Chase Bank has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are three pieces of evidence proving that XXXX XXXX is a scam website, stealing victim 's money and not providing what is advertised. Exhibit A : XXXX is forced to cease operation in Delaware. Exhibit B : XXXX faces class-action lawsuit in Georgia. Exhibit C : XXXX and XXXX regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Consumer complaint received 2024-07-08
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. (TX)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX, XXXX, XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, TX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, TX, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX SXXXX 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 XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I looked my credit report on XX/XX/XXXX, and I noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom report it relates. These accounts accounts listed are incomplete and inaccurate : { XXXX Account # XXXX }, { XXXX XXXX Account # XXXX }, { XXXX XXXX XXXX # XXXX XXXX According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer reporting agency if the person know for has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-29
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. (IL)

I saw an account with XXXX on my credit report and I have never had any dealings with XXXX. I have never been there or purchased anything from them. I do not know how this account got put into my name.
Consumer complaint received 2023-12-29
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-29
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)

The creditor is reporting to credit agencies that my mortgage account is closed, when it is not closed. I have disputed it through XXXX XXXX which didnt change it, and reported it directly to XXXX XXXX, but they did not correct the error at end of investigation. My husband is showing the account as open, by my credit report shows it as closed after several attempts to fix. XXXX XXXX was not helpful in fixing their own reporting error and refused to help other than tell me to report it to credit bureau instead of fix. This has been shown as closed since XX/XX/2023 which has affected my credit report
Consumer complaint received 2023-12-10
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. (NC)

These accounts are closed and were sold to another lender. I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX  XXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX i do not have a contract with XXXX XXXX  they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX  XXXX Account # XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2020-12-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2024-04-03
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. (IL)

I previously disputed this account XXXX XXXX XXXX XXXX  debt of ( XXXX ) stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation. Please mail me the proof of your investigation and proof that this debt collector has legal right to collect, or delete this account.
Consumer complaint received 2023-12-29
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help