davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (PA)

Dear Sir/Madam, I am writing to call into question several inquiries on my Equifax credit report that I strongly suspect are fraudulent and unsanctioned. In having examined my credit report, I have come across multiple inquiries made by XXXX XXXX on XX/XX/2022, XX/XX/2022, and also by XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX last year. Furthermore, there appear to be additional queries from XXXX XXXX XXXX XXXXXXXX on both XXXX the XXXX and XXXX the XXXX of this year. There are yet more inquisitions made by XXXX on XXXX the first as well as XXXX dated XXXX the XXXX of this very year. None of these transactions were initiated or authorized by metheir presence is wholly fraudulent and may prove detrimental to my financial standing. This occurrence leads me to believe that fraud took place, thus inciting an immediate review process with your institute regarding such matters. Please remove these unauthorized inquires from my record as it invites serious concerns over any potential future approvals. 

A thorough investigation will point out all irregularities taking place- Please confirm action taken once finished through an official letter/document/sent communication outlining works performed at resolution/assistance intended- With necessary comprehension see data attached for copies og original files viewed and actions processed whilst highlightng blatant problems caused/included only Thank you for attending these disputes promptly, Sincerely, XXXX XXXX
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kashable LLC (CA)

The following account was part of my XXXX XXXX Bankruptcy and was discharged on XX/XX/XXXX. Since this account was still being reported to the credit bureaus as of XX/XX/2023, I had a conversation about it with one of your representatives last month. However, since XX/XX/2023 it was reported as current up until XX/XX/2023. Now, its being reported as " Charged Off ''. I filed the XXXX XXXX  XX/XX/2023, then ceased payments. The credit bureaus shouldn't receive reports of " Charge off '' from accounts included in XXXX that they are reporting. 

United States Bankruptcy Court Case # XXXX
Consumer complaint received 2023-11-26
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I bought a XXXX from XXXX XXXX XXXX XXXX XXXX XXXX had a financing plan with XXXX, which issued the credit card. The financing was offered by XXXX. 2 years no payments, then payments. The 2 years ended in XXXX. I was switched to automatic payment in accordance with the plan. Because the loan was not paid in full, XXXX is now charging me about 30 % interest for over two years. XXXX says that if I paid off the loan two weeks ago, in XXXX, there would have been no interest. I just called XXXX and said I would pay off the loan in full now but did not want to pay interest because that was not was said to me. XXXX refused. The interest costs nearly as much as the XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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: 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.

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 se

ven 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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries not attached to accounts on my credit report
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX my credit file was pulled without my consent. This led me to look at my credit further. I discovered that the Dept of EducationXXXX had student loan accounts on my credit report labeled as open and 180 days past due. These accounts also state that the accounts were opened XX/XX/XXXX and reported XX/XX/XXXX, XX/XX/XXXX reported XX/XX/XXXX, opened XX/XX/XXXX reported XX/XX/XXXX, opened XXXX reported XX/XX/XXXX, opened XX/XX/XXXX reported XX/XX/XXXX. When I next checked my credit score, all of the accounts had been re-aged to say opened XX/XX/XXXX. I contacted these companies multiple times in XXXX through XXXX of XXXX, XX/XX/XXXX through XX/XX/XXXX. When next I requested signed documentation of any signed contract between myself and the U.S Dept of Education and any payment receipts. I have yet to have any documentation of alleged debts from the U.S Department of Education. When I called, it was explained that the debt had been sold to the U.S Department of Education and that was why it was being reported as opened on XX/XX/XXXX. This is however illegal and unlawful. According to the FCRA, any debt has to be reported as accurate as the same open date, even when changing owners. Furthermore, the U.S Department of Education is still reporting on an account as being paid on although i haven't paid on this account due to it not being mine, accurate or opened. Furthermore, the U.S Department of Education has not validated this date and does not have a contract or signature for payment from me to the U.S Department of Education, so this debt must be closed and wiped clean from my credit report.
Consumer complaint received 2023-11-30
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)

This is my NUMEROUS 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 itemsXXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX ( XXXX Creditor : XXXX XXXX ) XXXX XXXX : {$93.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hello, I was notified yesterday XXXX XXXX  ) via email to verify my personal email address for an account and notifying me that I had been enrolled in mobile and online banking from the Bank of America. 

I had not requested to open any account and when I called Bank of America to verify they could not verify where I had opened an account with them or not. 

I am worried my SSN is floating around now and being used to open other accounts or for fraudulent use. 

Thank you.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I currently can not access the funds in my account. When I called to check on this after verification from the fraud team by phone last week and by text on XXXX Yesterday after confirming my attempt to purchase I received a text saying my card is available for use. But I could not use it. I called and was transferred and told my account is blocked and under review. I then asked for a supervisor to gain access to the funds that were just deposited into the account. I was met with back and forth and then settled for a call back. I was given incorrect work times and was not called back. When I called again today XXXX  I was told supervisors are gone by XXXX EST. I was told XXXX yesterday. My auto pays are blocked and now Im not only late but having to pay fees and its affecting my credit. There has been a lack of communication. I didnt receive an email or letter stating this could happen. When a representative called me last week I was not told it was a risk or that its being reviewed or else I would have sent my direct deposit to another account that I can access and not one that is blocked. 

I just need to get my money asap! This is all I have access to for day to day and bills due. I have a chronic illness and I cant even pay my co-pay because I can not use my debit card. 

And they act like its not an emergency and I have days to let them take their time for an escalated matter dealing with my money.
Consumer complaint received 2018-11-03
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. (CA)

I recently became aware of my credit file has previously been used to acquire credit from several companies that I did not authorized nor apply for. I am taking all suggested actions to protect my name and my credit to clear up these accounts from my credit file and protect myself now and in the future.
Consumer complaint received 2023-07-12
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. (NY)

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 NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : KICKOFF /// ACCOUNT NUMBER : XXXX ( These accounts have violated my rights ). 
( These accounts have violated my rights ). 
( These accounts have 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 2023-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

I had a purchase and it was almost a year. 
I was paying every month more monthly payment. When I investigate how much money I paid it looks like I paid more than what I purchased.when I reviewed my bank statement shows I am about to be done with this credit soon, but their statement shows different a mount than what I am expecting. Thanks I
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-04-12
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)

I am writing to file a formal complaint regarding the repeated attempts to remove fraudulent items from my accounts. Despite my previous efforts to rectify this matter, it appears that the issue persists, causing significant inconvenience and distress. 

Furthermore, the repeated inconvenience of having to address this issue multiple times reflects poorly on your organization 's commitment to customer satisfaction and data integrity. It is unacceptable that I continue to bear the consequences of fraudulent activity that should have been swiftly addressed. 

I demand immediate action to rectify this situation. I expect a thorough investigation into the root cause of these failures and a comprehensive plan to prevent similar occurrences in the future. Additionally, I insist on compensation for the time, effort, and stress incurred as a result of this ongoing issue. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-19
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. (TX)

This letter is being sent to you in response to the account furnished in my Report. 
When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. 

According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
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. (IL)

I am filing this complaint to TRANSUNION. I am writing to formally express my deep concern and disappointment regarding the lack of action taken to correct and remove fraudulent accounts that persist on my credit report. Despite my diligent efforts, the presence of these inaccuracies continues to impact my reputation adversely. 

On XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, I submitted dispute letters to TRANSUNION, detailing the fraudulent accounts and requesting their prompt correction. Regrettably, to date, I have not witnessed any substantive action taken to address these discrepancies. This prolonged delay is distressing, as I anticipated a swift resolution to ensure the accuracy of my credit file. 

To assist in your investigation, I have attached my Federal Trade Commission ( FTC ) report with the reference number XXXX. I believe this report provides additional context and evidence supporting the urgency of this matter. 

I am genuinely disappointed that the information on my credit report does not accurately reflect my financial history, as I expect from a reputable credit reporting agency. I trust that TRANSUNION will take immediate and comprehensive action to rectify this situation and uphold the accuracy and integrity of my credit file.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ZIONS BANCORPORATION (AZ)

Zions bank is allowing accounts to pay automatic WITHDRAWAL payments that overdraw your account and charging {$29.00} per transaction that causes XXXX fee. They are gauging and even though we deposited checks that went into our account the day after, we tried to cover, and I called the bank directly to ask for forgiveness they said they only allow courtesy credit once a year. They are excessively charging these fees. Its outrageous and the fees should at least be lowered if not eliminated. How can we get this to stop?? See below We deposited check for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (NY)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  / XXXX  Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX  11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 12. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.