davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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. (OK)

This is my 16th 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 extortion. 
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 2023-10-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AZ)

I used my debit card with a chip reader to purchase food from a food truck. the foods from the both food truck services caused me to get food poisoning ; the merchants of both food truck services left no way to contact them via a phone number. they claimed they do business with XXXX. 
I submitted a claim for both purchases through Wells Fargo Claims center through their desktop website saying the same thing ; that the food made me sick, and i immeadtely requested a refund for both services. 
Wells Fargo alleges that it takes them 10 FULL BUSINESS days to resolve said claim. This is unacceptable. 

Wells Fargo has also made numerous threats to close my account, in which i find offensive since i've been a member with them for YEARS.
Consumer complaint received 2023-10-01
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Conn's, Inc. (AL)

The company first tried to force some type of credit insurance which they later called XXXX XXXX, I showed them I had insurance, A week later they tried to force Life insurance on me which I had to fight to not get about a week later I received a new statement saying I owe {$8300.00} from the original {$900.00} owed.So I went to the company for an explanation of the amount difference and they could not explain it so I for item to pick up and inventoried so we would know exactly what I do have.I was told they could not pick it up I would have to bring it in.So I feel like they tried to force me to take the insurance and when I didn't they raised the amount on me.None of this was discussed during my first purchased.I received the new payment amount on XXXX, on XXXX went to the place of business to try to clear it up.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is aware my account receives deposits every XX/XX/XXXX of the month from the government through the Treasurer Department for XXXX, I had written out two checks ; 1. {$5.00} - XXXX XXXX XXXX   XX/XX/XXXX 2. {$400.00} - XXXX XXXX ( My landlord for rent ) Dated XX/XX/XXXX I had the appropriate funds in my checking account when the checks were issued, however due to having the need for clothes, I made a purchase at XXXX for {$64.00} that unfortunately was budgeted incorrectly and led to an over draft for the written checks.

I spoke with Bank of America and was refused any courtesy refunds, I was notified I had one " valid '' overdraft waived last year in XX/XX/XXXX therefore can not receive another, however Bank of America fails to realize I've banked with them for over 30 years and never abused their policies or took advantage of requesting my fees to be waived.

It's unfortunate this occurred and Bank of American can not provide help to their customers who have been with them for this long.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (GA)

I have mailed several letters to LexisNexis on XX/XX/2022, XX/XX/2022, and XX/XX/2022. They have incorrect addresses and names on my report. Those names and addresses are not mines.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Experian XX/XX/2023 Friday, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Experian 's XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 

Dear Experian, I received a copy of my credit report and am writing to dispute the following information that appears on my Experian report. I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/2023, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611. 15 U.S. code 5 1681b- Permissible purpose of consumer reports. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. These inquiries were not authorized by me and I would a full investigation and documentation of who may have requested these credit pulls. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to METRO-2 compliance between your firm and your contracted reporting Please reply within the time limits as stated by the FCRA or delete the data which appears on my credit report. 
Please verify or remove immediately the following : XXXX XXXX Acct # XXXX XXXXXXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX never had a contract with this debt collector for any debt.Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete these accounts. 

Also the account : XXXX XXXX- Acct # : XXXX IS NOT LATE AND HAS NEVER BEEN LATE. PLEASE CORRECT AND UPDATE ANY LATE OR MISSED PAYMENTS ASSOCIATED WITH THIS ACCOUNT IMMEDIATELY. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Duvera Billing Services, LLC (FL)

Iam writing to dispute an inaccurate and unverified charge-off on my credit report. The following account is showing as a charge-off on my credit reports with the credit bureau : Duvera billing service, closed on XX/XX/2021 XXXX, XXXX, XXXX This debt is inaccurately reported as a charge-off. I am disputing this under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( f ) which states that a consumer has the right to dispute incomplete or inaccurate information.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (PA)

I called Citi Cards customer service on two separate occasions ( on XX/XX/XXXX and XX/XX/XXXX ) to dispute and resolve the issue of why my 10 year credit history with their Citi XXXX Card was no longer being reported to XXXX, XXXX, and XXXX credit reporting agencies. My Citi XXXX Card was opened on XX/XX/XXXX. This issue has significantly effected my credit score in a negative way. Following my second conversation with Citi Cards customer service department, I faxed and mailed a dispute letter to the Citi Credit Bureau Dispute Team as instructed by the customer service representative. I also mailed and faxed a copy of two XXXX credit reports, and an XXXX credit report to prove that my Citi Card credit history was once reporting to XXXX, XXXX, and XXXX credit reporting agencies but it's not now.
Consumer complaint received 2023-05-02
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. (MI)

I have made several calls, written several letters and sent this same affidavit to Transunion and they refuse to respond. I continue to tell them that I am a victim of identity theft and have told them that they are violating my rights by having the information on my report. Can someone help me?
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I called to report unauthorized charges on my card and was told for security purposes they would be canceling that card and sending me a new one while they investigated. Rather than cancelling and closing that account they opened up a whole new one for me that I was unaware of with the same balance owed so now I have XXXX accounts showing up on my credit report as delinquent rather than only XXXX! They never let me know the outcome of the investigation either and because of XXXX accounts being delinquent my score has significantly decreased to the point that now that I've lost my job and can't afford my rent I can't even get approved for a loan anywhere when I had an XXXX XXXX XXXX prior to obtaining this card!
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

As a person, I have worked really hard to keep my credit score up because I care a lot about it. But on my XXXX it says that I have a hard inquiry from XXXX XXXXXXXX XXXX for applying for a new credit line when I asked for grants. This is their number ( XXXX ) XXXX. I do recall giving them my social security number so they may have put incorrect information to provide me with funds via a credit line. Please take it off my hard inquiry. It took about XXXX points from my credit score for XXXX. I really love the credit line I have currently with my bank, XXXX XXXX XXXXXXXX, and nothing else. The second and third hard inquiry I am trying to dispute is from XXXX, for CITIBANK NA, Best on XX/XX/XXXX. Don't ever recall talking to them or to XXXX XXXX XXXX XX/XX/XXXX. This cost me XXXX points from XXXX. I'd appreciate it if you do a background check, punish these banks for incorrect information, and take out all those hard inquiries as well as add back the XXXX and XXXX points initially deducted. 

Thanks
Consumer complaint received 2023-10-01
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: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington National Bank for which I am a cosigner for a truck has inaccurately reported XXXX missed payments. I am writing because the payment was made on XX/XX/XXXX and they updated today with a XXXX late notice. Causing my credit score to lose XXXX. I opened a dispute with the credit bureaus but in XXXX this happened twice. XXXX inaccurately reported XXXX late payments when my bank verified these were paid on time. The credit bureaus did nothing to fix XXXX mistakes so I am taking action now to prevent them from neglecting my account. It took years to bring up my score for inaccurate mistakes from Huntington. This company is unlawfully reporting late payments when my bank account verified they come out on time. Huntington does nothing to fix these mistakes.Please help!
Consumer complaint received 2022-12-23
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-09-12
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. (NY)

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 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Mailing : TransUnion LLC Fraud Victim Assistance Department Consumer Fraud Division XXXX XXXX XXXX. XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to follow up on our previous communication regarding inaccuracies in my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I have meticulously identified several discrepancies in the information reported by TransUnion, particularly concerning the following accounts : - Acct : XXXX XXXX XXXX XXXX ( XXXX XXXX ) - Acct : XXXX XXXX XXXX XXXX - Acct : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and foremost, I would like to draw your attention to the precedent set by the case of Smith v. Trans Union LLC ( 2002 ), wherein TransUnion was held liable for inaccurately reporting on accounts that should have been deleted, thus constituting a violation of the FCRA. Moreover, the recent case of United States v. TransUnion LLC ( 2020 ) underscores TransUnion 's recurrent violations of the FCRA, resulting in substantial penalties and damages awarded to affected consumers. 

Upon thorough examination of my credit report, I have discerned the following violations : 1. **Fair Debt Collection Practices Act ( FDCPA ) ** : - Mishandling of consumers ' credit reports, including dissemination of inaccurate debt collection information, potentially contravening the FDCPA. 

2. **Consumer Rights Law** : - Allegations of TransUnion 's transgressions against consumer rights laws, particularly the FCRA, have surfaced in various legal proceedings, such as Serrano v. Trans Union LLC .

3. **Attorney General Law** : - The aforementioned case of United States v. TransUnion LLC ( 2020 ) signifies governmental enforcement actions taken against TransUnion for FCRA violations . 

I respectfully request that TransUnion takes immediate action to rectify these inaccuracies in my credit report. Specifically, I demand the deletion and blocking of the erroneous information pertaining to the XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX accounts, including all inquiries associated with these accounts. It is imperative to note that these accounts do not belong to me and were fraudulently placed onto my credit report, a fact that has been substantiated through my FTC Identity Theft complaint. 

Kindly find my contact information below for any further correspondence : XXXX XXXX XXXX XXXX I anticipate a prompt and diligent response to this matter in full compliance with the FCRA. Thank you for your expeditious attention to this pressing issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I've been trying to unfreeze my credit with Experian. Their website does not work, going through the process of changing your password does not work. It prompts you for a phone number, asks if you'd like them to text or call, and a text or call never comes. The other option for password recovery is to answer questions set at password creation, but that does not work either ; the " Continue '' button does not do anything, doesn't say if your answers are wrong or right, just leaves you at the same page. Calling the available phone numbers online for Experian, which I found to be : ( XXXX ) XXXX, and another number at ( XXXX ) XXXX, it takes you through talking prompts. At the end all it does is tell you to go to the website ( which doesn't work ), or to mail them, which takes weeks. I called them multiple ( no less than seven ) times at multiple times of day between XX/XX/XXXX and XX/XX/XXXX, and was unable to get a human being on the line. I am fortunately not suffering any fraud problems, but if I were in this same situation and also dealing with a fraudulent line of credit opened in my name, this could lead to disaster for me. At minimum, it is extremely frustrating and at most it could do a lot of harm. This is unacceptable, and there needs to be a way to make contact with a human being in the event that their website does not work ( which it doesn't ).
Consumer complaint received 2020-03-18
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: Experian Information Solutions Inc. (TX)

DEPT OF ED/XXXX {$2000.00} 40 % paid off 6 late payments DEPT OF ED/XXXX  {$2400.00} 31 % paid off 6 late payments part of the XXXX  ftc violations XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute XXXX/XXXXDispute XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (CT)

L J Ross and associates is on my credit report. I reached out through certified mail and disputed this information as I never had an account with them. I asked that they verify and validate this information. I asked that they send an original contract with signature, full payment history and whole account numbers. I have disputed this twice. They also failed to update this as being in dispute which is a violation of FCRA. Also not reporting whole true accurate information is against FCRA laws. Please delete from my credit as you have violated many laws and this account is not mine and does not belong to me. This account is yours and belong to you.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-01
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. (NY)

I am a victim of Identity theft, on XX/XX/XXXX I was checking my credit report and notice my score has taken a major decrease in points dropping down over XXXX points. I have reached out to to the credit card company multiple times but have not gotten a response. This account was opened in XX/XX/XXXX without my consent or knowledge. This credit card does not belong to me. I have filed an FTC report that I will attach to this which is proof its not mine. I was a victim of the XXXX Data Breach and have had fraudulent inquiries pop up in the past because of it and fraudulent accounts that I was able to stop before the thief used the credit. This account is affecting me and my family from getting are dream home. Its affecting me getting a better job, and even better insurance for my family. I am a victim and I should not have fraudulent credit card info on my credit report. XXXX Bless
Consumer complaint received 2023-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC (VA)

I contacted this company in XXXX & XXXX regarding this account being fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX. The company agreed to remove the account only to find out it was sold to a collection agency XXXX XXXX XXXX. 
Fraud report was provided
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of Identity theft, on XX/XX/XXXX I was checking my credit report and notice my score has taken a major decrease in points dropping down over XXXX points. I have reached out to to the credit card company multiple times but have not gotten a response. This account was opened in XX/XX/XXXX without my consent or knowledge. This credit card does not belong to me. I have filed an FTC report that I will attach to this which is proof its not mine. I was a victim of the Equifax Data Breach and have had fraudulent inquiries pop up in the past because of it and fraudulent accounts that I was able to stop before the thief used the credit. This account is affecting me and my family from getting are dream home. Its affecting me getting a better job, and even better insurance for my family. I am a victim and I should not have fraudulent credit card info on my credit report. XXXX Bless
Consumer complaint received 2023-10-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK (LA)

For the month of XXXX I paid online, but the amount was to be debited on XX/XX/XXXX, I included my late fee but it was still before the deadline of XXXX. The amount of the mortgage cleared from my bank account on XXXX XXXX XXXX. But the mortgage company is showing that I owe two months