davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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 2022-11-24
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. (PA)

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. 

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, 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 2017-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

Today  XX/XX/XXXX  I was made aware that Barclays Bank Delaware made the decision not in my favor regarding an Identity Theft Report filed and a Fraud Affidavits provided to the company .Barclays sold to  XXXX   XXXX   XXXX  and  XXXX  and  XXXX   XXXX  accounts that were  open fraudulent without my approval or permission, Barclays sold the accounts to 2 outside  collections agencies knowing the accounts for reported fraudulent in  XX/XX/XXXX , this is not ethical, instead of correcting the problem Barclays sells the accounts to collections agencies.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have initiated communication with TransUnion on multiple occasions regarding various accounts and discrepancies that are not relevant to my profile. Regrettably, TransUnion has amalgamated my credit bureau account with that of my son, XXXX XXXX XXXX. This conflation encompasses his social security number, auto loan, and student loans. I earnestly request that an inquiry be promptly conducted into this matter to effectuate the necessary rectifications.
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harpeth Financial Services, LLC (TN)

On XX/XX/XXXX at XXXXXXXX XXXX I logged into my bank account to check my account status and balance at that time I realized my checking account had been debited {$80.00} for a levy  and {$240.00} for what was labeled XXXX XXXX XXXX XXXX and I realized at that time my savings account had been debited {$2600.00} and labeled XXXX XXXX XXXX XXXX. I contacted my bank who advised me it was a levy placed on my account from The XXXX XXXXXXXX XXXX Harpeth Financial Services. I have no idea who the law firm is or who Harpeth Financial services are. I never received any notification from either place and I never received a judgment or documents regarding a levy. My bank advised me it shows a total levy of {$4200.00} which means they are going to continue taking money out of my account when I get paid. They took everything I had in the bank and are going to take what will be deposited into the account. I have no way to pay my bills, buy food, or anything else I may need or that my family may need. I have a XXXX XXXX and my husband is a stay-at-home dad. Something needs to be done as this is not right fair and against the law. I also checked all 3 of my credit reports on XX/XX/XXXX and again on XX/XX/XXXX and this company does not show up on any of them.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I sent first letter of dispute on XX/XX/2023 to Experian and XXXX for the amount {$2200.00}, asking them to validate the debt that they stated that is mine, they responded via there web portal stating that the debt was validated with no proof of the amount of the debt, the name of the creditor to whom the debt is owed, proof of the contract, proof of signature, account history and last payment made on the account. 

I sent out the second letter to both Experian and XXXX on XX/XX/2023 telling them that they did not validate the date and they send me a copy of a bill with no signature. They are still telling me that the debt was validated which it was not. 

Both Experian and XXXX has breach my information which allowed my personal information to be exposed to hackers.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I lost my job several months ago, and have spent the last few months securing new employment and rebuilding my financial life. As part of this, I reached out to Citizens Bank for assistance with my mortgage as I have been unable to pay. I will be able to pay within the next few months as my finances balance out with my new employment. Citizens referred me to the XXXX XXXX XXXX web portal to submit my paperwork. My wife and I submitted everything, but were told we needed additional pay stubs ( along with my unemployment ). We uploaded these documents on XX/XX/2022. On XX/XX/2022 - I received a phone call from Citizens that they had not yet received the requested documents and were going to close my file for assistance if they were not received before the end of the week. I promised to have the documents emailed to them ( to an email address they provided me ) within the hour. As promised- all documents were sent. On XX/XX/2022, I received notification that my request was closed. We called Citizens Bank and were told that it sometimes takes 2-3 business days to receive the documents, but they would re-open my case when they received them internally. On XX/XX/2022 - I called to follow-up and was told they still had not reviewed the documents. They noted that my Relationship Manager would be given a note to call me, even though the relationship managers were typically not allowed to speak to their clients. Today, XX/XX/2022, I still have not received a call from the relationship manager, and my wife was told that Citizens Bank does not have any record of the conversations we have had, and that we will need to start the process over again since we failed to follow their instructions. I faxed the " missing '' documents to the fax number they provided today, however, my wife was told we would need to re-submit everything.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX has sold my information to other company with someone is using my credit with a different number ending in XXXX witch I never had a number ending in. That at All and information also someone has my information to where I have to switch out all my debit cards and bank account also going to places where I use my number it pops up as other people
Consumer complaint received 2024-04-01
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. (PA)

I reviewed my credit report, and there were unverified/unauthorized accounts. I reached out to XXXX, XXXX, and Equifax about these issues and I have yet to receive a response. I have several accounts that were open due to fraud. I'm requesting that these accounts be removed immediately. 
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 XXXXXX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX
Consumer complaint received 2022-12-06
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. (VA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XX/XX/2022, and XX/XX/2022 but the bureaus did not remove them. 

Sec. XXXX I have a right to privacy 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 2023-08-17
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is kept to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-01
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. (PA)

I reviewed my credit report, and there were unverified/unauthorized accounts. I reached out to Transunion, XXXX, and XXXX about these issues and I have yet to receive a response. I have several accounts that were open due to fraud. I'm requesting that these accounts be removed immediately. 
XXXXXXXX XXXX XXXXXXXX Transunion XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Transunion XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Tranunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (NY)

The car company I have is credit acceptance I told them that I could make the payment the payment were too high I told them several times to come get the car the police repossessed the car because of the tolls I told them that the price they set was too high the car place that did the care loan was XXXX XXXX she scammed me out of XXXX for down payment and credit acceptance knew I couldnt pay it was too much .also since I had the car it had many problems and I keep taking my car back and court and telling the bank they did nothing
Consumer complaint received 2023-02-07
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. (TX)

On XX/XX/2022 I submitted a complaint to have my transaction history marked as late payments removed from my consumer report due to the company, reporting my information inaccurately. The address on the account does not match mines. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in a XXXX XXXX  credit card.
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (PA)

XX/XX/22 I was pre-approved for XXXX used automobile By Navy Federal credit union and was denied credit 3days later, as well is unable to supply specific reasons why they denied credit. Disputed cfpb complaint. 
I would quote the equal credit opportunity act and 15 USC 1691 ( a ) ( 3 ), u came in good faith and exercised your right by doing the application which is really a CCT and they discriminated again you by sending a adverse action ( denial ). I would also state they violated you because you did not give them consent to contact a third party to make any decisions. Per the privacy Act. I would definitely reiterate that it is unauthorized use of your social security number since you received no benefit and that puts them as non- compliant pursuant to 15 U.S. C. 1681n, or negligent non-compliance, 15 U.S.C . 1681o. Claims of willful non-compliance carry possible statutory damages of {$100.00} to {$1000.00} per violation, attorneys ' fees, and unlimited punitive damages.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXXamount XXXX at the time of colling the bank. Received suspicious letter from bank of america about new prepaid edd debit card agreement, BOA made this agreement without my agreement, probably, they made this agreement with californian criminal money laundering EDD ( employment development department ). Agreement letter will be attached with my complaint. When I took a look at the letter disclosures, those completely violate my rights in relation to be a customer or prepaid account holder with bank of america, this bank had to be good several years ago but now they act differently and do a lot of violations and financial abuses to their customers. The letter from bank of america to me is a democratic attack and requires protection of individuals from such an attack. At the beginning of XXXX year when coronavirus became pandemic, Our Government in the office of executive brunch was pro human rights, then, helped millions of people financially after mandatory closures for coronavirus covid19 to the people who had reduced wages or became unemployed, in California the criminal money laundering violator employment development department californian government entity was the only mean to deliver coronavirus founded money to the applicants in California and criminal EDD had to follow the founding because many employees either had redused wages or became unemployed and criminal californian EDD made millions of claims and kept the accounts within criminal EDD control, now when government is changed and became democratic government against humanity, and government in California remains democratic, californian criminal EDD received power and uses that opportunity to do democratic attack whoever they want to and they are getting stronger because californain criminals like to have accounts as many as they can exceeding millions of accounts and each of the account is a financial equity, the number of accounts are increasing because of emigration and and programs enrichment. Bank of America act is the same as democracy act and indication of democratic invasion into bank of america. I called to XXXX XXXXXXXX bank of america prepaid services on XX/XX/XXXXand asked them to close my prepaid account they are not closing my prepaid account by redirecting me to criminal EDD, I keep explaining that BOA XXXX  that currently I don't have anything with criminal EDD and in order to close my BOA prepaid account I can call BOA and close my prepaid account without any permission from criminal XXXX. On the back of the page from XXXX and studied bank of america the third paragraph it tell about " We're here to help You XXXX reach us with any questions, or to request your account be closed, by calling the number on the back of your Card or by calling our Service Center at XXXX, 24 hours a day, 7 days a week. I tell them to close my prepaid account but they are afraid from criminal californian government.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX of my numerous 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 an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX. Please delete this account ASAP.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2022-12-06
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. (CA)

XXXX XXXX is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau.

Upon contacting the three major credit reporting agencies, I discovered that two of the three credit Reporting agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so.

By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially.

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (NY)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-01-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There are two department of education accounts on my credit report that I was not responsible for because my social security was paying for these loans, please remove the two late payments off my credit report from the department of education. I have no knowledge of this because social security was responsible for my payments.