davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXXXXXX XXXX XXXX XXXXXXXX processed my monthly on-line payment thru a checking account I had closed 7 years ago. On XX/XX/year> I made a payment on my statement that wasn't due until XXXX. I was given a confirmation # XXXX. I had paid my previous bills in the same manner on-line using the same checking account ( as late as XXXX. 
When I got my XX/XX/year> billing, They included the amount I had paid on XXXX along with late fees and interest charges.I called them immediately ( XXXX ) and spoke with XXXX, employee # XXXX. I made a payment of {$63.00}, the same payment I had made on XXXX. He agreed to drop the interest charges and late fees that left me with a XXXX balance.He did not tell me they had reported me to the credit bureaus. He said they would open an investigation as to what had occured. He told me I had paid with my checking account ending in XXXX. I told him my checking account ended in XXXX and that i had paid my XX/XX/year> bill using that account. 
XXXX XXXX denied having done any wrong and refused to resind the report to the chedit bureaus. I filed a dispute with TransUnion. They denied my dispute and sided with XXXX XXXX. My credit score went from XXXX to XXXX.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX  was reported in my credit reportlatte payment in XXXX, XXXX and TransUnion .. this is a mistake because this account was pay off for XXXX XXXXXXXX to XXXX XXXX on XXXX
Consumer complaint received 2023-04-26
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)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/XXXX  XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My last name has a typo that needs to be corrected. My last name has an " A '' at the end, not an " O ''. 
This typo seems like an alias which I don't have or use or need to use ever. 
This last name has a typo most likely made by a clerk unbeknownst to me.
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)

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  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX 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 2021-01-12
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. (NJ)

This is my second time reaching out as the first response was totally unacceptable and direct violation against the The Fair Credit Reporting Act, 15 U.S.C. 1681. As a result of identify theft, I ask that remove the following inquiries from my TransUnion report at once : - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX Failure to do so is an illegal act and against of the Fair Credit Reporting act and I will be contacting my state attorney general if this isn't addressed promptly. 

Appreciate your cooperation, XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted multiple dispute letters requesting specific items on my credit reports be investigated, deleted, or provided proof of debt ownership. The items still remain on my credit report, and no documentation has been provided that shows that these items belong to me and I am liable to pay the debts.
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. (MO)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. Portfolio Recovery Associates , LLC claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with Portfolio Recovery Associates , LLC, I DID NOT ASK for it nor are they privy to contract with me. Portfolio Recovery Associates , LLC has been negatively reporting on my credit report for 4 YEARS, 11 MONTHS and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. Portfolio Recovery Associates , LLC only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to Portfolio Recovery Associates , LLC they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE Portfolio Recovery Associates , LLC and original creditor anything.
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

My Coinbase account was blocked for no reason, I need to recover my dollars. 
My account had XXXX Dollars, in terms of amounts in various crypto currencies. Among which are XXXX, XXXX, XXXX, and XXXX XXXX
Consumer complaint received 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reached out to the credit reporting agencies and informed them that the inquires which I will include below and attach a document were unauthorized but I didn't receive any help or response. I reached out on XX/XX/2023. I have also included the rules and regulation below for such cases. 

Transunion Report XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 18 U.S. Codes 1028A Aggravated identity theft
Consumer complaint received 2022-11-23
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. (PA)

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-26
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. (OK)

This is my 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2800.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} ; XXXX XXXX  XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-26
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. (FL)

I am writing in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The items are listed below that need attention : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (PA)

I made an account with Chase Bank, and Have an agreement with chase that there would be a XXXX bonus credit put into the account upon a direct deposit being entered In to the account! On XXXX XXXX my check which qualified and triggered the XXXX bonus offer was added to the account via direct deposit totaling XXXX direct deposit, flaked to personal bank XXXX, and manager as well as the marketing team which was unable to add the bonus in the account within a XXXX day time frame as the app discussed XXXX manager and marketing team admitted via live recorded phone call that I qualify for the credit and that it will be there on Tuesday instead of today or tomorrow? Phone call was on Friday XXXX XXXX at XXXX with manager!
Consumer complaint received 2024-04-14
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. (NJ)

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 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After almost 14 years of being a faithful credit card holder and user with Bank of America, I received a letter abruptly notifying me of my account closure ( see letter attached ). I made numerous attempts to find out the reasons for my account closure and XXXX XXXX XXXX refused to disclose that information to me. I wrote XXXX XXXX XXXX a certified and registered mail letter ( see attached ) as well as at least six emails ( see one attached ), without receiving any response back from XXXX XXXX XXXX. XXXX XXXX XXXX has not credited my account with credit received from XXXX and continues to report the INCORRECT balance on my account, despite emails received from XXXX informing me that they have credited my account ( see attached ).
Consumer complaint received 2023-12-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALEXANDER-ROSE ASSOC, INC. (TX)

I contacted ALEXANDER ROSE on XX/XX/2023 regarding a collection account on my credit bureau reports I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor never responded
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Kohl's/Ca [ itol One processed my monthly on-line payment thru a checking account I had closed XXXX  years ago. On XX/XX/year> I made a payment on my statement that wasn't due until XXXX. I was given a confirmation # XXXX. I had paid my previous bills in the same manner on-line using the same checking account ( as late as XXXX. 
When I got my XX/XX/year> billing, They included the amount I had paid on XXXX along with late fees and interest charges.I called them immediately ( XXXX ) and spoke with XXXX, employee # XXXX. I made a payment of {$63.00}, the same payment I had made on XXXX. He agreed to drop the interest charges and late fees that left me with a XXXX balance.He did not tell me they had reported me to the credit bureaus. He said they would open an investigation as to what had occured. He told me I had paid with my checking account ending in XXXX. I told him my checking account ended in XXXX and that i had paid my XX/XX/year> bill using that account. 
Kohl 's denied having done any wrong and refused to resind the report to the chedit bureaus. I filed a dispute with XXXX. They denied my dispute and sided with Kohl 's. My credit score went from XXXX to XXXX.
Consumer complaint received 2023-12-18
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Immediate Attention Required : Addressing FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am urgently reaching out regarding critical discrepancies that have come to light in my credit report, presenting clear violations of the Fair Credit Reporting Act ( FCRA ). Upon a thorough review, it has become evident that several errors persist within my credit profile, signaling a troubling oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act stands as a cornerstone federal statute overseeing the collection and reporting of consumer credit information. Its mandates emphasize the accurate acquisition, retention, and transparent sharing of a consumer 's credit data. 

Instances of FCRA violations observed include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies based on name or social security number similarities. 
Neglect of prescribed protocols for handling disputes by agencies. 
My rights under the Fair Credit Reporting Act entail : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information within my file has been utilized against me in credit applications or other transactions. 
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items indisputably breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 


I am earnestly counting on swift action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply may necessitate exploring legal measures to ensure my rights under the FCRA are respected. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-28
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (AZ)

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY!