davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX FIN XXXX XXXX : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-11-24
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. (CA)

I am reiterating my concern with TRANSUNION through this complaint. I previously submitted a letter addressing discrepancies in my credit report, including inaccuracies related to the date of last activity, date opened, date reported, payment status, charges, and more. Despite my efforts to bring attention to these issues, TRANSUNION maintains that there are no errors in my report. However, it is crucial to emphasize that this account is fraudulent due to illegal and unauthorized charges.

The investigation period has extended beyond 30 days, during which TRANSUNION claimed to conduct a thorough examination. Unfortunately, upon reviewing my credit report, I have not observed any corrections. The inaccurate information persists without any apparent rectification. I feel that my rights have been repeatedly violated, particularly as outlined in 15 U.S.C 1681 section 602 A, which underscores my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instruction. 
I am reaching out once more in the hope that TRANSUNION can promptly address and rectify these issues. Accurate reporting is crucial, and I trust that TRANSUNION will uphold its commitment to maintaining the integrity of the credit information it provides. Please also find the FTC report attached with the report number XXXX.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After several attempts with the credit reporting agencies, I keep getting responses saying they were unable to verify me. I have included copies of my personal documents several times. I do not understand how I was unable to be identified. After several attempts to have my report updated I am still at a stand still.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I request Bank of America to lift the suspension on the XXXX account. 

I gave the check from Bank of America amounting to {$8000.00} to my friend on XX/XX/2023. 
The {$8000.00} was transferred normally, but the Bank of America considered it a scam and suspended my friend 's XXXX account. 
{$8000.00} has gone out of my account, and {$8000.00} is currently in my friend 's bank account, but my friend 's XXXX account is disabled and can not be used. 

My friend contacted XXXX and Bank of America several times. He was told that XXXXXXXX XXXX can not unfreeze the account unless Bank of America call XXXX to release this matter. 

I asked why the Bank of America suspended my friends account, and it was because the transaction was deemed fraudulent. I got a text message from Bank of America regarding this transaction. I was in XXXX XXXX at that moment and roaming the phone. 
The bank considered it a scam and suspended my friend 's account. 
I went to the Bank of America and told them it was a normal transaction, but my friend 's account is still suspended. 

I would like to inform Bank of America and XXXX that there is no issue with the transaction. Also, please enable my friend to regain access to his account.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (OK)

I contacted FSA about the amount I owe. 
I owe student loans {$87000.00}. 
My XXXX  account says I owe that and another $ XXXX on a separate loan that isn't mine. It's saying I owe over $ XXXX now that this was added to my account. It stated that this loan was open on XXXX, I graduated in XXXX. I've already called and got the amount that I owe, which was the correct amount until I despited the school loans, because my school was shut down and they lied about how many loans I had. I was told in XXXX  that my loans were consolidated and they never were. So after the dispute, it went up over XXXX from a loan that isn't mine. I called federal student aid and they told me that isn't mine. I only owe {$87000.00}. That's it!!
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : 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 ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 2023-07-06
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. (AZ)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2023-11-24
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. (MO)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-07-11
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. (GA)

In accordance with the Fair Credit Reporting act. The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX Account XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.

15 U. S. C. 1681C. ( a ) ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) 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 2022-11-08
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. (UT)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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)

XXXXXXXX XXXX XXXX  Account Number : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my account. 

Employers : XXXX I am a victim of identity theft this has never been my employer. 

Also Known As : XXXX XXXX I am a victim of identity theft this is not my name. 

Employers : XXXX XXXX XXXX XXXX  XXXX am a victim of identity theft this has never been my employer. 
XXXX XXXX XXXX XXXX TX XXXX I am a victim of identity theft this has never been my address.
Consumer complaint received 2024-03-23
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. (TN)

I notice XXXX XXXX reporting on my credit report on XX/XX/2024. After noticing this account is a result of identity theft, I filed a dispute with XXXX as well as Experian, including my identity theft report. Ive allowed these companies over XXXX business days to investigate this but I have yet to receive a response. I included my identity theft report with this complaint. 15 US code 1681c-2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than XXXX business days after the date of receipt. According to the FCRA, if a credit reporting agency fails to remove an identity theft account after you have disputed it, they may be violating the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates how consumer reporting agencies handle your credit information, including investigating disputes and correcting errors.
Consumer complaint received 2022-11-08
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: Experian Information Solutions 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 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 2022-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

During my covid forbearance Flagstar added an amount of XXXX of lender paid expenses to my mortgage payoff. So I have 3 leins on my house and can't refinance to get relief until the matter is resolved. My pay off is showing my balance principle of XXXX, XXXX my forbearance of XXXX. And a lender paid expenses of XXXX. When I contacted flagstar on XX/XX/22 they agreed the XXXX should not be there but now are telling me they don't see it to remove it. After 4 additinal calls to their escalations department i am not getting and resoltion. I am not sure how I am to proceed in this matter. Or who to contact.
Consumer complaint received 2023-11-24
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. (TX)

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.

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 2023-06-08
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (AL)

On XX/XX/2023 I was traveling in XXXX XXXX, XXXX and stopped at a XXXX XXXX XXXX in XXXX XXXX to get gas. I handed my card to the clerk to pay for gas. He turned towards the pump to ring me up, which caused his back to be to me, to charge the transaction. He acted like the card wasnt reading. After he turned back towards me I noticed he had the card reader in one hand and his cell phone in the other which I thought was strange. He returned the card to me, I left the gas station and immediately pulled over to lock my card as I had a feeling something shady had just occurred. It was too late as the charge for gas was on my account as well as another charge for {$1300.00}. I immediately called Barclays to report the fraud. I also attempted to find a police station while on the phone with Barclays to report the theft. If they have the phone recording of our call, you can hear me clearly very distressed. I waved down a policeman and attempted to ask where the police station was. I also tried to tell him that my credit card had been stolen by the gas station attendant. Unfortunately, Neither of us understood the other. Due to the language barrier and XXXX maps providing incorrect information, I never found the police station after over an hour of searching. I did the only thing I could think of to hopefully help other travelers avoid this situation/gas station and posted my experience on a XXXX travel forum on XXXX. 

Barclays initially removed the charge. Then, on XX/XX/XXXX I received a letter from Barclays dated XX/XX/XXXX stating they determined the card had been in my possession and the charge was valid. The card was absolutely not in my possession, it was in the possession of the gas station attendant who ran a fraudulent charge and illegally stole my information. 

I called Barclays who informed me I needed to fax a signed statement as to what occurred. I submitted this statement on XX/XX/XXXX. 

On XX/XX/XXXX I received another letter from Barclays dated XX/XX/XXXX saying that they determined I was responsible for the charge as I failed to maintain security of the card. I am dumbfounded by this finding. I had to pay for gas so I had to hand my card to the attendant. I did not know he was running an illegal, unauthorized, fraudulent charge on my card until after I left the gas station and checked my account. 

I am shocked at Barclays handling of this situation. I have had an account with Barclays for several years. I have never missed or been late on a payment and have never had a fraudulent charge before this.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

On XXXX I was flying XXXX to Florida. When I approached the baggage check counter, a XXXX employee encouraged me to open an American Express Gold Card. She explained I would get my bag free and be awarded XXXX miles if I spent {$2000.00} in the next two months, which I did. She DID NOT explain or disclose orally or in writing that the miles award could or would be declined for any reason. 

In XX/XX/XXXX I noticed my miles award had not posted. I contacted American Express customer service on XX/XX/XXXX to inquire why. I was told the miles award had been declined and the reason was because in XXXX I opened a gold card and in XXXX I closed it. None of this prior activity was mentioned as a cause for award decline when I opened the card ( which technically was a different extension of credit than the one opened in XXXX - different terms/rate, etc. ). 

The customer service rep opened a case for escalation/review - # XXXX on XXXX. On XX/XX/XXXX, I still had not received the miles award so I called American Express customer service to inquire of the status of the case. I was once again told my miles award had been declined and the reason was because in XXXX I opened a gold card and in XXXX I closed it. Again, at no time was I orally or in writing notified that opening a card previously ( one with different terms and conditions ) could or would result in decline of miles awards. 

XXXX employees encouraging, offering and facilitating an American Express extension of credit without fully disclosing terms and conditions, orally or in writing, I believe is not legal.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I reviewed my Consumer Reports and noticed that I one late payment on a account that I was never late on. 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 account with XXXX XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided, I demand these payments be updated to on time as they should be as I never late. Thanks.