davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

I contacted Equifax about information missing on my consumer report. My entire consumer report is missing even my name and address. When I called in the representative told me that she could see my information and to try to look for it on MyEquifax. She also told me because I was using a third party provider is the reason I could not see my information. I used MyEquifax and still nothing was there. I had previously applied for a personal loan and the credit union told me there wasn't any information under my name. I called back to Equifax and told them these accounts are missing from my consumer file. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX. I want these accounts restored to my consumer file immediately! 15 USC 1681i the information on my consumer report is suppose to be accurate Equifax is violation my rights as a consumer under the rules of FCRA. Equifax has only assumed the role of a consumer reporting agency there was no law passed to give them any authority over the consumer. This company has been involved in multiple data breaches but yet with all of the information provided Equifax refused to correct their mistakes on my consumer file.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I recently checked my credit report and noticed that the addresses and personal information on the report are inaccurate. I looked your website and enclosed the proof of the current address that you require please make sure that there aren't any inaccurate names and addresses on my credit report. I ask that you be sure to match the spelling of my name with the social security number and date of birth to ensure the accuracy of the records you're reporting. 

I do not wish to have any telephone numbers on my report. please remove all other addresses of my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate.

please send me an updated credit report as soon as you have deleted the incorrect addresses show above and ensure that any incorrect names have been removed. 

Thank you.
Consumer complaint received 2023-10-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NY)

I received an offering the mail from M and T bank stating If I deposit {$10000.00} until XX/XX/2023 I would receive {$350.00}. 

I opened a " My choice premium checking account and deposited {$10000.00} on XX/XX/2023 in person with representative XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX. XXXX said just make sure I keep the {$10000.00} until XX/XX/2023 to receive the promotional {$350.00}. He confirmed I met all the terms. I did in fact keep {$10000.00} in the account without any transactions whatsoever until XX/XX/2023 which is well past XX/XX/2023. 

I was told the {$350.00} would be deposited in my account. I never received it. I called XXXX left his messages and emails but he did not respond. I spoke with XXXX at M & T headquarters on XX/XX/2023. She said I met all the requirements and does not know why I didn't receive the {$350.00} promotion. She said she can not do anything else or help with the matter. 

I then spoke with XXXX XXXX on XX/XX/2023. He said the promotion was not sent to my name. I told him it was sent to my name and I have the original promotion and read all the terms and conditions. The promo was sent to me but show me where in the terms and conditions it needs to be in my personal name. He refused to answer and said he " would not get into that '' I reiterated that I have the promotion in front of me there are 4 terms listed 1-4 on the back to let me know where it states what he is saying that the promotion needs to be sent to my personal name. Again he refused and also refused to honor the promotional terms. I explained that I fulfilled the terms and kept {$10000.00} in the account from XX/XX/2023 until XX/XX/2023 and that XXXX confirmed I met all the terms and should receive the {$350.00} as promised. That if they do not give it to me it's more then false advertisement it is theft. Unfortunately he continued to say he can not and will not do anything further regarding the matter without substantiating or indicating which term I have not met on their promotional flyer 's terms and conditions. M & T is deceiving the public, committing false advertisement and fraud.
Consumer complaint received 2023-12-20
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. (MD)

My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment from those managing this data. Therefore, kindly furnish all available details elucidating how responsibilities towards accuracy and compliance were neglected. I formally challenge you to scrutinize your records concerning me. In accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, I contest any inaccuracies or deficiencies in reporting. The credit report I received is inaccurate, and it is surprising as adherence to FCRA and applicable Metro 2 data field formatting standards is expected.

As a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful provision of correct information in a timely manner to avoid violating any of my rights. I am aware that generic form letters have been sent in response to disputes and challenges from consumers, irrespective of the specific information provided. This is illegal, as each dispute and challenge should be addressed individually based on its merits. My letters were generated using widely available software. Failure to process my letters constitutes a violation of 15 U.S. Code 1681i.

Please note that delaying the processing of consumer letters based on assumptions of third-party assistance is not a legal exception. I am the author of any letters bearing my name, created with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be construed as an intentional disregard of my consumer rights, prompting legal action through my lawyer.
Consumer complaint received 2023-12-20
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX-XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-07-04
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: WELLS FARGO & COMPANY (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I monitor my FICO credit score. XXXX dropped like XXXX points. When I looked into it, XXXX XXXX whom I had a credit card with had reported me delinquent for XXXX days. I had paid my card off in full in XX/XX/2023. I was told not to close my account as it could ding my credit score. So I didn't. With a XXXX balance I didn't need to worry. However, The company based in XXXX XXXX charged me a fee every month and never sent me a statement or an e-mail. 

Therefore, saying I was delinquent and reporting this to my credit report. I want to have you contact them and tell them I was not delinquent because since XXXX I have had a XXXX balance.
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: FIRST UNITED BANK AND TRUST COMPANY (OK)

XXXX of this year I had a bank account checking account ( XXXX ) closed with first United Bank and trust XXXX XXXX Oklahoma XXXX anyways I had done a job for a gentleman long story short you know paying me with a cashier 's check from a XXXX bank anyways I deposited the check on the XXXX of XX/XX/2023 ( it was credited it was credited to my account I left it in there for as long as the bank teller told me to. But anyways as soon as I withdrew a cashier 's check worth {$2100.00} the bank proceeded to call me and tell me that it bounced now I just don't understand that because that machine that they run it through should have caught it right away like I've seen scam checks go through the bank and the bank never credits the account if it's a scam check so my my whole argument but this is why was it in the green why was it credited to my account if it was fraud? First United Bank and trust company XXXX XXXX has been very rude threw this whole ordeal I do construction I don't deal with money like that you know I did a job somebody paid me I deposited it and I spent the money of course it's not my job to catch a scam it's the bank 's job I mean really when you get down to the nitty gritty the bank gets the money from me and any other individual that does business with them so I just I would like this whole deal cleaned up and fixed so I can open a business account and get a business loan and continue my life thank you very much that's all I've got to say if you need my input for anything else you have my credentials
Consumer complaint received 2023-12-04
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Open Account : XXXXXXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
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)

According to 15 USC 1681b ( a ) ( 3 ) ( A ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer
Consumer complaint received 2023-12-20
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. (NM)

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-08
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE!
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Please block and remove this information from my credit report, Pursuant to section 605B or the fair credit reporting act and send the required information to all furnishers of this information five unauthorized fraudulent accounts include : XXXX XXXX XXXX $ opened XX/XX/XXXX XXXX XXXXXXXX balance {$670.00} opened XX/XX/XXXX XXXX XXXXXXXX balance XXXX $ opened XX/XX/XXXX Filer credit union XXXX XXXX $ opened XX/XX/XXXX XXXX Funding balance XXXX $ opened XX/XX/XXXX Unauthorized fraudulent address never lived there include : XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX Unauthorized fraudulent inquires include : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-29
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. (TX)

This is a formal complaint that the Credit Bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

Navient only calls me between XXXX and XXXX Monday through Friday, or on holidays. I told them I can not receive calls during those times because I am at work. They said they use an aito dialer so they can not remove my number. They also said that Texas allows them to call while I am at work. I told them Texas also says if I can not make calls during work, they can not call during my work hours.They call me at least XXXX to XXXX times a day, exceeding the law of no more than XXXX times in a week. They said they will continue to call until I resolve the issue. They also say I can call back, but refuse to give me a number. The number on the caller ID is not their number. The number also shows up as from Wisconsin which is not where Navient is from.
Consumer complaint received 2024-03-27
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. (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.

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 2023-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

From XX/XX/XXXX until XX/XX/XXXX I was incarcerated. I had logged into my Chime Account and I noticed that there were Several Unauthorized transactions as well as Unauthorized Transfers. I contacted Chime and filed a dispute, to which they denied XXXX hours after I filed. I filed a rebuttal to the denial and provided them with the documents that prove my incarceration began and ending. They also denied that one as well. I filed a final rebuttal and Ive spoken to them and asked them why my disputes were getting denied, they only told me they were sending a copy of the documents they used to determine the outcome, which I never received. The total amount of money stolen from my account is roughly {$7500.00} and they refuse to help me get it back even though I have sent proof.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Back in XXXX, XXXX XXXX of XXXX approved a XXXX. As it was NOT a loan, it was never paid back, and XXXX had never entered this on my credit. At the beginning of XXXX, 14 years after it had been given to me, XXXX put it as a past due loan on my credit reports. 
Even if this was a loan and not a XXXX as I contend, the statute of limitations has long run its course and can not be put on my report. 
I complained to one of the XXXX, XXXX XXXX, and he did nothing. ( XXXX fled the school after a negative NY XXXX article about him ).