davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX opened XX/XX/2022 This account was opened without my knowledge. I've tried reaching out to company and pleading my case they told me to make a police report which i did and also make a identity theft report with the FTC which I did.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

i notice some inaccurate information on my credit report so on XXXX XXXX i sent some letters to all 3 CRA 's requesting the validity of the inaccurate and incomplete information reporting on my credit report, per 15 usc 1681i. I haven't heard anything thus far and this is XXXX XXXX
Consumer complaint received 2023-11-01
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. (MI)

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.

has violated my rights. Or a 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 2023-09-02
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. (CT)

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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-11-01
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I acquired an American express gift card for {$50.00} and I can not use it anywhere online. I do not have the physical card and its a 15 digit number instead of 16 like normal gift cards. Ive tried to purchase an XXXX gift card since I can not split up payments there and it would not go through. So I tried to just buy what I wanted that was less than the {$50.00} ( including taxes, and fees ) by about {$3.00} and it would not go through. I tried using it on XXXX with {$20.00} less than the limit, and it still would not go through.I called customer service twice and they were not helpful at all and just told me that where I was trying to use it wouldnt take it and I got no solutions from them. XXXX charged me XXXX and XXXX I believe XXXX or XXXX. I can not remember right now. I was told would be refunded back to the card in 7 to 10 business days. the reason I picked that card is so I could use it where I wanted and was not limited to a certain store but now I cant use it anywhere.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I took XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, New York to XXXX XXXX, XXXX on XX/XX/2023, and I returned to New York by taking XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. On XX/XX/2023, I went to Bank of America branch located at XXXX XXXX, XXXX XXXX  NY XXXX, and tried to use ATM in the branch but my debit card did work. Therefore, I reached a representative in the branch to inquire about my BOA account. He told me that theres a new BOA debit card, so the old one can no longer be used. At this moment, I felt something wrong because my old BOA debit card did not expire, and I did not receive a new debit card. Then I asked the representative to inquire about my account balance, he told me that I owed {$44.00} something. I told him that I had balance more than {$20000.00} before I went to XXXX, and how come I owed you {$44.00}. 
Therefore, I further reached out to a client manager in the branch in person to check my account details. The client manager, she told me that therere six unusual transactions under my old BOA debit card in total amount of {$18000.00} in XXXX. She also told me that on XX/XX/2023, someone applied for a new BOA debit card to replace my old one at BOA XXXX branch. And therere two transactions under the new debit card in the amount of {$5900.00}. Moreover, she also informed me that my address had been changed to another location. The client manager told me that I will receive updates on my claim, and I may receive my money back on XX/XX/2023. 
On XX/XX/2023, I went to Bank of America branch located at XXXX XXXXXXXX XXXX XXXX, NY XXXX for an update. The client manager told me the claims were not approved and closed, she helped me open the claims again. 

I neither initiated any transactions nor authorized anyone else to access my BOA account during my vacations. 
I also neither applied for a new BOA debit card to replace the old debit card, nor authorized anyone else to do it for me. 

As of XX/XX/2023, I have not yet received any update related to my re-opened claims. 

In addition, I do not understand how a identity theft can transfer all my money in my BOA account and change my address within 2 days with no restriction and any suspection at BOA end. And my first claims related to amounts of {$18000.00} and amounts of {$5900.00} were denied by BOA. I dont understand how BOA internal investigation justified these unauthorized and suspicious acvitivites and denied my claims.
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. (MD)

Subject : Immediate Deletion of Inaccurate Account Information Within 30 Days : I am writing to demand the immediate deletion of inaccurate account information from my credit reports held by XXXX and Experian. The account associated with XXXX is currently being inaccurately reported, as outlined below : 1. The account numbers provided on my XXXX  ( XXXX ) and Experian ( XXXX ) reports do not correspond to the original loan documents ( XXXX ) I possess. 
2. The reported balance of {$630.00} on both my XXXX and Experian credit reports is blatantly incorrect and does not align with my payment history or the actual purchase amount of {$450.00}. 
3. The inaccuracies in my credit reports are compounded by the fact that my last payment of {$140.00} made on XXXX XX/XX/2024, was never deducted from my original balance of {$450.00}. This discrepancy further highlights the inaccuracies in the reported balance and payment history associated with the XXXX account . 
Despite previous disputes with XXXX, Experian, and XXXX , the inaccuracies in this account were negligently verified without proper investigation. This negligence in verifying the inaccuracies is grounds for immediate deletion of the erroneous information in accordance with law. Their negligence in conducting a thorough and lawful investigation further exacerbates the violations of my rights. 
The inaccurate reporting of this information is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. The discrepancies in the reported account numbers, balance, and payment history not only violate my rights under the Fair Credit Reporting Act ( FCRA ) but also raise concerns regarding compliance with Truth in Lending Act ( TILA ) regulations. 
I demand immediate action to rectify this situation. The reporting inaccuracies directly contravene the following FCRA and TILA provisions : - Section 611 of the FCRA, mandating consumer reporting agencies to furnish accurate and complete information. 
- Section 623 of the FCRA, specifying the procedures for disputing and correcting inaccurate information with consumer reporting agencies. 
- Failure to provide accurate and complete account information as required by TILA regulations. 
- Misreporting of account numbers, balances, and payment history, which directly contravenes TILA 's provisions for accurate disclosure of loan terms and transactions.

- Negligence in properly documenting and reflecting payment history, leading to incorrect reporting of outstanding balances.

- Failure to ensure the accuracy and integrity of credit reporting information, a fundamental requirement under TILA to protect consumers ' rights and financial well-being.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (WI)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-12-21
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$150000.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$150.00} XX/XX/XXXX
Consumer complaint received 2023-12-06
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-12-06
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. (PA)

Dear Credit Agency, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-04-02
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX : {$370000.00}
Consumer complaint received 2023-09-28
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: 21ST MORTGAGE CORP. (CA)

XX/XX/XXXX harassing phone calls/voicemail to collect a debt that is not my debt XX/XX/XXXX harassing phone calls/voicemail for a debt that I am not responsible for. 
Company is using my name in their communication to collect this debt.
Consumer complaint received 2023-07-04
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. (NC)

This issue has been going on for months and I have followed all of the things you wanted me to do. just read the letter to make sure I'm not just typing my concern here and you will just ignored my concern again
Consumer complaint received 2024-04-02
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. (NY)

I have a federal trade identity report on file experian has not remove the negetive item off my report the item supposed to be remove or block my social security number is XXXX THE NEGITIVE ITEM IS 30 DAY LATE
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my 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
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)

XXXX XXXX XXXX  has three instances of late payments on my credit report. Despite making a payment in XX/XX/XXXX, it was reported as 30 days late in XXXX XXXX. Another payment made in XX/XX/XXXX was reported as 30 days late in XX/XX/XXXX, and a payment in XX/XX/XXXX was reported as late in XXXX XXXX. According to the law, creditors must report accurate information. I demand that the information be updated to reflect that the payments were made on time.
Consumer complaint received 2024-04-02
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. (TX)

I hope this email finds you well. I am writing to follow up on my previous attempts to address the issue of fraudulent items on my account. Regrettably, despite my persistence and your assurances, the problem remains unresolved. 

Despite my efforts to report and rectify these issues promptly, the fraudulent items persist, causing significant concern and inconvenience. 

I urge you to escalate this matter immediately and take all necessary steps to investigate and remove the fraudulent items from my account without further delay. Additionally, I expect transparent communication throughout the process to ensure that appropriate measures are being taken to prevent similar incidents in the future. 

Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by these fraudulent activities and the prolonged resolution process. With this, I am asking for your assistance 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
Consumer complaint received 2024-04-02
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)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024
Consumer complaint received 2023-12-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX XXXX for solar panels loan Done by Divident hey subsidiary of fifth third bank gave us a loan to do solar panels for XXXX in XX/XX/2022 XXXX since the solar panels were never installed permitted or correctly done XXXX started making our monthly payments to dividend financial on our behalf until XXXX for their employees and empty their offices, leaving us the consumer with a loan and no panels installed or permitted. XXXX never had our permission to make payments to dividend financial the affiliate or subsidiary of the fifth third bank for our loan for the solar panels. Currently alone is suspended for four months for further investigation. 
Their information Dividend XXXX XXXX, Option XXXX XXXX
Consumer complaint received 2022-11-29
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 have tried to dispute inquiries along with inaccuracies with TransUnion. I will be providing the necessary documents to finally close this dispute out.