davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX Account XXXX XXXX {$480.00} ; XXXX XXXX XXXX XXXX XXXX Account Balance : {$11000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On  XXXX   XXXX ,2017 I applied for a credit card in   XXXX   branch the lady pull my credit report and even showed me my score.   Later I got alerts about inquiries on my Transunion report.   Upon logging in there was  XXXX  inquiries from  XXXX  on  XXXX   XXXX ,2017 within minutes.   I called Transunion and explained them that I saw the  XXXX  employee pull my credit once and that why would they need  XXXX  duplicate reports on the same day.   Transunion representative said there was nothing he could do to call  XXXX  so they could request to delete the inquiries.   I then call  XXXX  that explained to me they only have record of  XXXX  credit inquire under my name so there is no way they could ask Transunion to remove the other  XXXX  that do n't exist on their system.   They also explained to me that sometimes Transunion has glitches were duplicate inquiries.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX  {$460.00}, XXXX XXXXXXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
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 writing to file a formal complaint against TransUnion LLC for violations of the Fair Credit Reporting Act ( FCRA ) and failure to provide monetary relief as mandated by law. My complaint pertains to unauthorized inquiries made on my consumer report, specifically by XXXX XXXX, and TransUnion 's negligent noncompliance with the FCRA. 

On XX/XX/year>, I submitted a dispute letter to TransUnion, requesting the removal of the unauthorized hard inquiry from XXXX XXXX from my consumer report, pursuant to 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ). While TransUnion complied with my request to remove the inquiry, they failed to provide the monetary relief I am entitled to under the FCRA for their negligent noncompliance. 

Despite multiple communications and clear evidence of TransUnion 's violation of my consumer and privacy rights, I have not received a satisfactory response or remediation. TransUnion 's actions constitute a direct violation of the FCRA, including but not limited to 15 U.S. Code 1681b ( a ) ( 2 ) and California Civil Code - CIV 1785.11. 

I demand that TransUnion promptly issue a check to me in the amount of {$3500.00} as compensation for the violations of my consumer rights. Furthermore, I request that TransUnion provide proof of payment and compliance with this demand. 

Failure to acknowledge and respond to this complaint within a reasonable timeframe may  result in further escalation of this matter, including the pursuit of arbitration and involvement of appropriate regulatory authorities to safeguard consumer rights. 

Attached to this complaint are copies of relevant correspondence, including my XXXX  dispute letter to TransUnion and subsequent communication regarding their failure to provide monetary relief.
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (GA)

I have been working for a XXXX XXXX XXXX for 30 years which qualifies for my loans to be forgiven. To-date my loans have not been completely forgiven and other individuals that work in the XXXX XXXX XXXX XXXX and have never paid any amount towards their loan have been given complete loan forgiveness. I inquired why my loans have not been completely forgiven and I have made payments towards paying my loans. I was advised to reach out to see how your organization can assist with getting my loans forgiven completely since I qualify under the PSLF program for 30 plus years. I look forward to your response.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a Bank of America Cardholder ( Cash Reward ). On XX/XX/XXXX my husband purchased a XXXX XXXX from XXXX for the amount of {$1100.00} on my very old CC that left home. ( out of my knowledge that old card still working ). I had my new card with me in XXXX. When i saw the transaction online I called Bank of America right away to cancel the card. BA cancelled the delivery. BA credited it back on my account but on XX/XX/XXXX, they charged it back to my credit card ( {$1100.00} ). 
I been trying to resolve the issue many times for 3 years but all they did was to reopen the case and denied over and over. 
I paid the charge of XXXX for the XXXX XXXX  that was cancelled and never delivered. I been calling BA and XXXX back and forth but they've been pointing fingers to each other. 
On XX/XX/XXXX between XXXX-XXXX I called BA fraud department Delaware, I spoke with XXXX, she said the money is with them. and they will give it back to XXXX and will take 45 business days. XXXX said the dispute has been resolved and please refer to the issuing bank, the money was returned to Bank of America. 
On XX/XX/XXXX at XXXX XXXX i spoke with XXXX from the Fraud Department of Bank of America Delaware she said the money still with them and never left because the other representative did a wrong process. 
I called again on, XX/XX/XXXX, XX/XX/XXXX, followed XX/XX/XXXX. It I tried again many time on XXXX and XXXX but still nothing happened. 

Thank you.
Consumer complaint received 2024-01-04
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. (VA)

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 2023-09-13
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account was in arear and I applied to the NYS Housing Assistance for help and on XXXX XXXX NYS sent a wire [ check ] to my mortgage company XXXXXXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) to be applied to my account. 
I called XXXX and ask for my credit to be updated and was told that would be updated on XX/XX/2023. Today I pulled my credit and was surprised to see the in accurate information that was reported to the credit bureau. It states that I am 120 days late and that my balance has been increase to {$220000.00}. As a result XXXX XXXX has closed my account.I find this deceptive because each month they report my credit to the burau but nothing like this. Why when a payment is made something like this could happen. Please I am asking you for help because I have no one advocating for me. Please see attached from the credit bureau. 
Thank you. 
XXXX XXXX
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (NC)

I had a loaner cell phone with XXXX XXXX years ago. However, I purchased a new phone and returned the loaner phone to XXXX XXXX. Days later, after I paid my phone bill, T Mobile turned my phone off, stating they didn't receive the loaner phone when I knew I had returned it. The store XXXX, XXXX, has repeatedly explained to the XXXX XXXX representatives that the phone was turned. A year later, an {$800.00} collection ended on my credit report from XXXX XXXX 's debt collector. I have disputed the account multiple times, and it has not been investigated. My children and I are deeply affected by this situation, and I need this from my credit report immediately. I have been homeless due to this situation. It's not right. It's unfair, and no one is helping me resolve this situation. The credit bureaus are also reporting other inaccuracies on my credit report and have yet to respond to any of the letters I sent.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Subject : Urgent Attention Needed - Dispute Resolution and Harassment Concerns Dispute claim # XXXX Dear Wells Fargo Bank, I am writing to express my sincere apologies for the delay in providing you with the necessary information regarding my ongoing disputes. 


The basis for my disputes are two-fold : Breach of Terms and Services : My initial agreement with Stuff Storage / Neighbors clearly outlined my expectation of XXXX access without harassment. Unfortunately, this expectation has been continuously violated, significantly impacting the reason I chose your services. 


Forced Change of Terms and Unjustified Decisions : Following my move, I was subjected to a forced change in my service terms. This decision, based on outside influences unrelated to our original agreement, forced me to endure undue harassment and abuse.They the following people were committing real estate and insurance fraud and they used Stor / Neighbor facilities on XXXX to create a fraudulent relationship with me! I am temporarily displaced I dont have any friends or family! 

I have never had any legitimate relationships with these professionals thieves! This is another reason why they requested an escort! Please refund all monies and if there are other charges with them refund them as well! I am sad Stuff / Neighbor were involved because for the most part these are wonderful people! 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Low class government chasing XXXX XXXX, XXXX XXXX XXXX '' XXXX and XXXX, and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX from XXXX XXXX Furthermore, I believe Stuff Storage / Neighbors was manipulated by a network of elected and city officials in XXXX XXXX, who utilized their influence to sidestep the legal requirements! They did not have a legitimate legal basis so they violated their own policies! Incase you are wondering that is illegal and subject to legal action! This was a fraudulent attempt to validate the theft of my identity. 

This is completely unacceptable and goes against the core values I expect from elected city officials! 
I urge you to review the provided records documenting these issues. My primary objective is to resolve these disputes and deny any financial compensation due to these unscrupulous service providers! 

To facilitate a swift and satisfactory resolution, I propose a meeting at your earliest convenience or email or a day and time I can call you directly! My phone and identification was stolen by these people! I am available by email at XXXX Thank you for your time and attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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)

XXXX XXXX XXXX XXXX XXXX about Your Credit Card Application Indicates a score an Experian Credit Score of XXXX. 
Experian is not reporting this score!! 
Multiple unauthorized inquiries by auto dealerships in order to attempt to acquire vehicle funding to sell vehicles. 
I DID NOT AUTHORIZE THESE INQUIRIES!!
Consumer complaint received 2023-09-25
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. (MI)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-04-19
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. (NY)

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for American Express few times. 

Each time i apply they deny my application citing the previous card i had with them has unpaid balance back is 21 years ago??? 
I filed bankruptcy in XXXX and US Bankruptcy district court dismissed 20 yrs ago. 

They can't deny me credit after XXXX yrs. I have XXXX score and all my financials are strong and stable. 

Please see attached the denial letter from them.
Consumer complaint received 2019-01-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

On XX/XX/18 I paid off my balance in my HELOC at PNC Bank for the paid off amount of the loan {$78000.00} the bank didn't cash the check until XX/XX/18. I am being charged interest and fees and my loan still remains open with an outstanding balance!!! I spoke to numerous persons who stated the pay off was a day late and I owe {$560.00} in interest and fees
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter.

XXXX  sent a letter stating they updated an extended fraud alert on my XXXX Credit file.

I did not request this.

I want the Fraud Alert Removed! 

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO TRANS-UNION AND XXXX.

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1
Consumer complaint received 2024-01-04
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. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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 trust this letter finds you well. I am writing to bring to your attention the ongoing issue of fraudulent items on my account with your company. Despite numerous attempts on my part to address and rectify this matter, I have faced significant challenges in having these fraudulent items removed from my records. 

The presence of fraudulent items on my account not only poses a serious threat to my financial well-being but also undermines the integrity of your company 's services. I am deeply concerned about the potential consequences of these inaccuracies, and it is disheartening to experience a lack of responsiveness in resolving such a critical matter. 

I urge you to conduct a thorough investigation into the fraudulent items on my account and take immediate action to rectify this situation. Furthermore, I request a detailed explanation for the delays in addressing this issue and seek your assurance that appropriate measures will be implemented to prevent similar incidents in the future. 

If this matter is not resolved within the exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent 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