davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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)

XXXX - XXXX I was Never late in the year XXXX or XX/XX/XXXX. This account has always been deferred/suspended. This is an error. XXXX also told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 120 days late. Same in XXXX. The credit bureaus keep changing late days without any notice from XXXX informing them to do so. If XXXX wont send you any information then you must correct it. 


Besides. this is a violation and illegal to be reporting late payment transactions on my consumer report. 
15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never supersedes Federal Law. Also 15 U.S.C 6802 B - I was never given this option to opt out! Please remove all late payment transactions.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is TRANSUNION 's duty pursuant to the FCRA to report correct and accurate information on my credit report and file, and they are NOT. TRANSUNION is reporting 6 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, and a 90  day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED, which is not reflected in my report as my credit score has suffered drastically. Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this whole issue, I did NOT give TRANSUNION written instruction or permission to furnish these inaccurate late payments on my consumer report or file, thereby violating 15 USC 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination as my report reflects something that is simple not true.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

This is XXXX XXXX i was with wells fargo bank and i had my account with them for about 2-3 years with no problems from XXXX i think, until i saw a withdrawal of {$900.00} from another state which it wasnt me, i reported the incident to the branch, they open a case about it but i never got any response fron them at all. They gave me a claim number XXXX but never got reached from anybody
Consumer complaint received 2023-07-21
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$270.00} XXXX XXXX Balance XXXX {$880.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$1300.00}.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (IL)

This is my NUMEROUS 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 following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, IL XXXX.
Consumer complaint received 2023-07-21
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX  XXXX XXXX Balance : {$210.00}
Consumer complaint received 2023-07-21
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-05
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. (GA)

Transunion is disrespecting the laws over in over again and it is hurting my credit profile for me to be able to get a house. In accordance with the Fair Credit Reporting act. In I have asked them to investigate the completeness and accuracy of these accounts and to furnish me with the contract between me and them and they can not!! The List of the accounts below are the accounts that has violated my federally protected consumer rights to privacy and confidentiality under several laws and codes including 15 USC 1681 in 15 U.S. Code 1692g and so many more Account name XXXX XXXX account number XXXX Account name XXXX XXXX XXXX account number XXXX Account name XXXX XXXXXXXX XXXX account number XXXX
Consumer complaint received 2017-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XXXX   XXXX   XXXX   XXXX    sent a Legal Order to Bank of America requesting funds from my c hecking account. Bank of America processed the order, sending the funds from my account to Massachusetts, without informing me. Bank of America also charged my checking account a {$120.00} " processing '' fee for processing th e Legal Order fro m the state. I called Bank of America on  XXXX   XXXX , the day after th e Legal Order char ge and Fee were deducted, to ask about the unfamiliar transaction. Bank of America told me that even if they were sent the  Legal Order i n error by th e    XXXX   XXXX   XXXX  , the {$120.00} fee was " non-refundable '' and my only method of recourse would be to ask the state to give me {$120.00}. Bank of America charged me this fee for a servic e I neither req uested nor was informed about prior to their processing.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NC)

XXXX XXXX XXXX, someone created 65 fake business checks that were drawn from my checking account. On XX/XX/XXXX, PNC recognized 15 of the 65 checks as fraud and reversed those 15 checks. I reported the other 50 checks to the local PNC branch on XX/XX/XXXX. On XX/XX/XXXX, I was told by XXXX XXXX XXXX XXXX that all of the fraud had been submitted. After several unreturned calls to PNC fraud #, on XX/XX/XXXX, I was told by the fraud department that PNC has 120 days to investigate. I patiently waited 120 days only to be told on XX/XX/XXXX by XXXXXXXX XXXX XXXX banker XXXX that there was an internal issue where someone did not receive the claims he filed on XXXX of XXXX. The local banker indicated that he needed to resubmit the information and asked me to give PNC another 3 weeks to investigate. I called on XX/XX/XXXX and confirmed that the information had been re-submitted. On XX/XX/XXXX he also informed me that he found similar fraudulent checks from XX/XX/XXXX which he also submitted. On XX/XX/XXXX I got a letter stating that the PNC denied the claim related to the fraudulent checks from XX/XX/XXXX because I did not report it within 30 days ( I was busy battling XXXX XXXX ). Around XX/XX/XXXX I left a voice at the fraud #. On XX/XX/XXXX the fraud department claimed, via phone call, that my money from fraud activity in XXXX was reversed. After reiterating that only a portion of fraudulent checks was reversed and giving them specific check numbers that were not reversed she said she would get with the other fraud person and look at it more and call me back. How long must I wait??? If I am denied XXXX fraud because I did not report it within 30 days why is PNC allowed to take over 6 months to refund that which I did report in less than 30 days? PNC recognized the activity as fraud in XXXX by stopping half the checks so what is why are they not also recognizing the other half as fraud given the checks are all written from the same fake business?
Consumer complaint received 2023-05-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I only owned XXXXXXXX XXXX card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, XXXX XXXX XXXX XXXX sent me a new card after my XXXX card got fraud charge. Then, XXXX XXXX XXXX XXXX made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received credit card that the card wasn't working, and the last name is wrong. Ever since, I visited XXXX XXXX XXXX XXXX XXXX times and must had called them XXXX times XXXX weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my XXXX XXXX went down to XXXX due to the account closure till they sent me a new card and reopened the account about XXXX weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. XXXX XXXX XXXX XXXX representative stated they started investigation more than XXXX  days ago. I heard that at least XXXX  times from different representatives over XXXX months. They never called me back. I called them multiple times, they have made no progress, in past XXXX months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from XXXX XXXX XXXX XXXX. I desperately need to fix credit score to XXXX a condo. Thank you very much.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Trans Union is sill violating my rights & breaking the law. By The Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Trans Union is required by federal law to verify this bankruptcy on my report & they never did with physical proof. Trans Union had 30 days to prove & it's been almost 5 months! I sent them a letter from the Bankruptcy courts stating they do not report to the credit bureaus & yet Trans Union is still reporting fraud! Trans Union uses a 3rd party company to collect public info & that is against the law & any one can use your info. fraudulently. This bankruptcy is scheduled to be removed XX/XX/2023 any way, however, that is too long!! This Error Trans Union is reporting, is messing up my ability to obtain further credit for a home & car. Furthermore, XXXX XXXX XXXX have already removed this Bankruptcy, because they follow the law. I would appreciate Trans Union stop breaking the law, violating me & remove this Bankruptcy immediately. THANK YOU!
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: Experian Information Solutions Inc. (IA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
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: Experian Information Solutions Inc. (CA)

I need the late payments for the following accounts removed from my transaction history on all three credit bureaus. ( I sent 3 letters with ID and my gas bIll - no response XXXX XXXX ). According to the law FCRA 15 USC 168Ai- all late payments should be removed. 
Account name XXXX  XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX .... & Account number XXXX ....
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud XXXX  name is XXXX XXXX Second you state i open a loan at your branch XXXX XXXX XXXX XXXX on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number 3 then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX XXXXXXXX has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX i also included my info for awareness also added my info
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-16
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: Nelnet, Inc. (VA)

There is fraudulent activity on my credit report. I recently received my 1099 copy B from this IRS from both Nelnet and XXXX XXXX XXXX XXXX XXXX . The IRS accepted both documents I filed 1099C with Nelnet and 1099A with XXXX. 
I expect these accounts on my credit report to be resolved immediately due to the Securities Exchange Act, as well as the Federal Reserve Act Section 29, 12 CFR215.11, due to breach of fidicuary duties. 
My consumer rights have been violated and there are numerous UCCs that support my claim. 
15 U.S. Code Chapter 41 15 U.S. Code 1693 UCC3-419 15 USC 1692a ( 3 ) 15 USC 1681a ( c ) 15 USC 1602 ( i ) I am aware of both the indenture trustee and trustee of both Nelnet and XXXX XXXX XXXX and if this matter isnt resolved, I will have to take legal action within 30 days of notice.
Consumer complaint received 2023-01-19
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. (CT)

The company has not correctly investigated my inquiries. Fraud, incorrect addresses, outdated information, and wrong account information. Please remove all questioned information from my report immediately or provide copies of the information verified under the Fair Credit Reporting ACT
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were initiated on XX/XX/2017 and the investigation completed on XX/XX/2017. 
us dept of education XXXX investigation was begun on XX/XX/2017 and completed on XX/XX/2017. PROOF IS ATTACHED ... .according to FCRA all XXXX accounts should have been deleted from my report yet only XXXX of them was.
Consumer complaint received 2023-05-16
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. (MD)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX Original Creditor : XXXX BG XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

First of all, I demand that XXXX and your credit reporting agency cease and desist this account. Secondly, Ive never owned an account with XXXX XXXX XXXX and you know this. Next I need to know how you verified this alleged account and balance. Then, I need documentation of me agreeing to this alleged debt. I need the agreement that grants you the right to collect this alleged debt. I need a copy of your license including license number. 

I want everything that I have asked you for in this letter within the next 10 days. 

You can not have me with a collection and an open account with a balance according to the FCRA.