davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is 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.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX my checking was hacked. Someone used XXXX XXXX and took XXXX XXXX The bank put a hold on the two old accounts and opened up two new accounts. Now the old account is XXXX $ overdrawn. The bank says I have to pay. Don't even know if the hacker got the money. The bank did an investigation and said I'm responsible. I called XXXXXXXX XXXX and they said there is nothing they can do. They said call bank. And bank says call them.
Consumer complaint received 2023-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Child Support -Child support is civil and there is no contract amount stated is not proof. I don't owe possibly someone with a similar name please delete off my credit report
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

this is regarding our business checking account with Bank of America ( which we've been a customer of for over 30 years ) : On XX/XX/XXXX two small electronic deposits were made in the amounts of XXXX cents and XXXX cents, the depositor was listed as 'XXXX XXXX, later that day, an unauthorized withdrawal of {$9000.00} was made by XXXX XXXX ', and then again in the same day, another withdrawal was made in the amount of XXXX cents by XXXX ( equal to the XXXXwo earlier deposits ). A week later on XX/XX/XXXX, two more deposits were made in the amount of XXXX cents and XXXX cents, again by XXXX, and then later in the day another unauthorized electronic withdrawal was made in the amount of {$15000.00} by XXXX XXXX, later in the day another withdrawal of XXXX cents was made by XXXX ( total of two earlier deposits ), then a week later on XX/XX/XXXX another unauthorized withdrawal of {$12000.00} was made again by XXXX XXXX. Because we hadn't checked our account online in that two week period, we hadn't noticed until we received our paper statement in the mail that these unauthorized withdrawals were made. We alerted BoA 's fraud dept. ( which by the way takes over an hour of wait time to finally reach someone ) and filed a police report. BoA, initially said it would take up to 12 days to resolve it, we called back to check on the status of the claim and they then said it could take up to 30 days, called back later and then said up to 60 or 90 days. It's been about 95 days, we call and they say a decision has been made but won't tell us what it is. we called over 10 business days ago and they said they would tell us in 10 days, it's been over 10 business days and they say they might call us at the end of the week. We can't get answers from anyone, these hackers wiped out our entire account, and being a small business, we can't afford to lose {$36000.00} and BoA apparently doesn't care one bit. How does BoA not flag those initial deposits as suspicious? If my credit card has a suspicious charge like that, they flag it and freeze the card, but BoA has no security measures of any kind.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I opened a XXXX XXXX card at or around XX/XX/XXXX. The account number was XXXX. The account remained in good standing up until the point that the account was fraudulently taken over in XXXX. I submitted a police report and a FTC report to support my dispute. XXXX did not accept my documents and choose not to honor the XXXX fraud liability on the account. The credit limit on the card was {$4500.00} During the time of my dispute of these fraudulent charges with XXXX the account declined. While I was informed that no payment for fraudulent charges were due, the account reported 30, 60, and 90 days late and accumulated interest. 

XXXX charged off the account while it was in dispute with the credit bureaus. I paid taxes on the fraudulent activities, because I was issued a 1099C. 

I was powerless against XXXX because despite submitting the police report and the FTC report the collection process continued and my documents were ignored. 
I eventually agreed to settle the debt for 40 % of the balance to protect my credit under the condition that XXXX agreed to remove the adverse reporting. 

However, I was deceived as XXXX never removed the account nor the late reporting. I have called several times since ; and I was told that " it is not in XXXX policy to remove items ''. I've argued my case before XXXX XXXX member services, XXXX credit reporting department and the XXXX Fraud and recovery department and its a big game of music chairs. I've been on the phone for days getting no where by transferred from department to department. 

There are no case numbers to show that XXXX even investigated my fraud dispute. I've asked for the statements for XXXX, payment history and the information used during the investigation and I was informed by the Recovery and Fraud team that there is no record of a fraud investigation and I would need to submit a formal request and a subpoena for the credit card statements during the time of fraud. 


Formal Request- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Card Member Service XXXX
Consumer complaint received 2023-12-28
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. (PA)

I am writing to formally dispute several items on my credit report, which I believe contain inaccuracies and are unjustly affecting my credit score. I have carefully reviewed my credit report and I have identified discrepancies that require your immediate attention. 

**See letters about the details of my dispute.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There is a debt forgiveness program that I was attempting to apply for online. ( Credit Wise ) which is powered by capital one. Because I didnt have access to an old XXXX XXXX account on a mobile application they put me through a series of questions and transferred me to XXXX different people. The gentleman attempted to update information but because I didnt have access he couldnt provide service. He then sent me the following link to process a copy of my drivers license on the fourth attempt it was successful on my end. He ever he denied me saying it failed on his end. I called XXXX they gave me the same problem and then told me I had to take it up with capital one and they would be able to pull my credit report to better assist me in the matter in which they couldnt. How am I suppose to clear my debt if I cant update them with information. So they are allowed to take my money but I cant access or update my information?
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Dear Sir/Madam, I am writing to formally dispute certain inaccuracies present in my credit report. Upon reviewing the report provided by your bureau, I have identified several discrepancies in my personal information that require immediate attention and correction. The ONLY information that should be listed in any of my files are the information as follows : XXXX XXXX is the ONLY name that should be listed. I have not and do not go by any other names or spellings. 

My SSN should be listed as XXXX My Date of Birth is XX/XX/1977 All other dates and variations are incorrect and should be removed. 

My address is XXXX XXXX XXXX, XXXX, Ohio XXXX. All other addresses are incorrect and not valid as per the law, they are undeliverable to me by the USPS. 

I do not have an employer therefore I demand any employer listed to be removed! 

I do not want my phone number to be listed. 

I have enclosed copies of relevant documents that support the accuracy of my personal information, including but not limited to my driver 's license, and a utility bill to substantiate the correct details. 

Furthermore, I would like to emphasize the importance of rectifying these inaccuracies promptly, as they have the potential to impact my financial standing and creditworthiness adversely. 

According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure that the information contained in my credit report is fair, accurate, and up-to-date. Therefore, I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to update my credit file accordingly. 

Additionally, I would appreciate regular updates on the progress of this dispute resolution process, including any actions taken or findings discovered. 

Please consider this letter as a formal request for the correction of the inaccuracies mentioned above. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and understanding. Should you require any further information or clarification, please do not hesitate to contact me at the address provided above. 

Sincerely, XXXX XXXX Enclosures : Copy of Driver 's License Copy of Utility Bill
Consumer complaint received 2023-11-09
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my 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
Consumer complaint received 2023-09-27
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-27
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. (NC)

Request for Investigation of Unauthorized Information Being Reported On Credit Profile To whom it may concern, I recently came across my credit report and saw there were errors on my report. I request the deletion of inaccurate information thats not verified thats on my credit report. Which is address XXXX XXXX XXXX, XXXX, NY XXXX & XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The only address that should be listed is XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. Heres a photo ID of where I live for proof
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear Sir/Madam, I am writing to formally dispute certain inaccuracies present in my credit report. Upon reviewing the report provided by your bureau, I have identified several discrepancies in my personal information that require immediate attention and correction. The ONLY information that should be listed in any of my files are the information as follows : XXXX XXXX is the ONLY name that should be listed. I have not and do not go by any other names or spellings. 

My SSN should be listed as XXXX My Date of Birth is XX/XX/1977 All other dates and variations are incorrect and should be removed. 

My address is XXXX XXXX XXXX, XXXX, Ohio XXXX. All other addresses are incorrect and not valid as per the law, they are undeliverable to me by the USPS. 

I do not have an employer therefore I demand any employer listed to be removed! 

I do not want my phone number to be listed. 

I have enclosed copies of relevant documents that support the accuracy of my personal information, including but not limited to my driver 's license, and a utility bill to substantiate the correct details. 

Furthermore, I would like to emphasize the importance of rectifying these inaccuracies promptly, as they have the potential to impact my financial standing and creditworthiness adversely. 

According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure that the information contained in my credit report is fair, accurate, and up-to-date. Therefore, I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to update my credit file accordingly. 

Additionally, I would appreciate regular updates on the progress of this dispute resolution process, including any actions taken or findings discovered. 

Please consider this letter as a formal request for the correction of the inaccuracies mentioned above. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and understanding. Should you require any further information or clarification, please do not hesitate to contact me at the address provided above. 

Sincerely, XXXX XXXX Enclosures : Copy of Driver 's License Copy of Utility Bill
Consumer complaint received 2024-04-24
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. (FL)

I am a known victim of identity theft. My information was exposed in the XXXX XXXX breach so I have followed the whole protocol to get my file corrected and update but it is going on a year now and the credit bureaus have not changed a thing! I have spent XXXX XXXX XXXX  of dollars on postage, my time wasted, paper and ink and even buying letters to send them but they have ignored me. They do not say anything at all. Please help me!
Consumer complaint received 2024-04-24
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)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I tried several times to obtain my credit report from both Equifax and XXXX XXXX. Both of these credit reporting agencies make it impossible to get a free copy of my credit report. XXXX was easy and I was able to get approval on my first phone call. Equifax and XXXX XXXX are trying to use the credit request system to sell additional services such as credit monitoring. This practice is absolutely shameful. Accordingly, I demand my credit report to be mailed out to me immediately.
Consumer complaint received 2023-09-27
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. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I received a letter from my new utility company that as of this week my XXXX XXXX is XXXX from Experian. Yet when I look on my experian account for which I pay for, it says XXXX. How do they get by with telling me it's XXXX thing and telling a potential creditor it's another? That is not being truthful or fair to me.
Consumer complaint received 2023-09-07
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. (TN)

Equifax is in violation, late payments are illegal according to 15 USC 1681a 2 ( A ) ( I ) under exclusions. I sent a letter to them which is attached to have the late payment status changed on XXXX to paid as agreed and yet they continue to violate the law.