davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from this account : XXXX XXXX XXXX
Consumer complaint received 2022-11-22
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. (GA)

This is my ANOITHER 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, XXXXXXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (MD)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2024-03-22
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. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2022-11-22
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)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected as soon as possible : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX
Consumer complaint received 2022-11-22
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$830.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXXXXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX : {$990.00} XXXX XXXX XXXXXXXX XXXX : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX ) XXXXXXXX XXXX XXXX  {$610.00} ; XXXX XXXXXXXX XXXX XXXX  {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  {$100.00} XXXX XXXXXXXX  XXXXXXXX XXXX XXXX  {$25.00} ; XXXX XXXXXXXX XXXX : {$1900.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

Bank of America XXXX Platinum Plus Mastercard. I have an auto-payment for the statement balance set up to come out on the due date. BoA only makes the minimum payment, thus surreptitiously ensuring my card has a balance, which they can then charge fees and interest on. For example, on XX/XX/XXXX the auto payment made a {$30.00} payment ( the minimum amount ) instead of the statement balance of {$1200.00}.
Consumer complaint received 2017-07-17
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: EQUIFAX, INC. (MD)

XXXX / XXXX /2016   XXXX   XXXX   XXXX    XXXX , VA   XXXX      XXXX   XXXX   XXXX   XXXX  . pulled my credit and I have never been there or gave them authority to do so.
Consumer complaint received 2022-11-22
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. (CA)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section XXXX ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.
Consumer complaint received 2022-11-22
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. (TX)

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 need to be investigated and removed from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (KS)

On XX/XX/2019 I checked my balance by phone before going to the store. I noticed that my account balance was several hundred dollars less than it should be. I tried to log into the direct Express site, to check my balance, but it would not let me. I tried to contact direct Express and after several calls that could not go through due to high call volume and 40 minutes on hold I was finally able to reach someone. I asked him what the charges we and he told me there was one from XXXX totaling XXXX dollars and to call XXXX to have them stop the charges. He did not have me cancel my card or tell me that there was another charge to XXXX of XXXX dollars. I contacted XXXX who did not come up with anything in an investigation. I tried contacting direct Express for 3 days and again due to high call volumes could not get ahold of anyone. While this was happening there were 4 more fraudulent charges 2 foriegn and 2 from XXXX in XXXX  made on my card. When I finally was able to get ahold of someone she had me cancel my card, told me she was sending a new one and a package to despute the charges and asked if I wanted expedited shipping on the card for a charge to which I said no. A few days later I got an email from ups saying they had delivered my card, the card was delivered to the wrong address, and the despute packet never arrived. When I contacted direct Express about  the card being delivered to the wrong address and not receiving the packet, they said they would send a card, but I would be charged for it. I told them I should not be charged because they sent it to the wrong address, to which they said they would waive the fee and send the despute packet. On XX/XX/XXXX they charged me XXXX for expedited Shipping of the card which I explicitly said I did not want, and they never sent me a despute packet. On XX/XX/XXXX they gave provisional credits for 2 of the purchases while they investigated the charges. I still had not received the packet to despute the charges and include my police report. And they did not credit me for the 4 other fraudulent charges. XX/XX/XXXX I recieved a letter saying they had investigated and were not able to prove fraud had occurred and will be reversing my credit and be taking XXXX back from my card. Again I was never provided the packet to despute or provide further information for their investigation including a police report and the facts that 4 of the charges were in California and two out of the country in a foriegn language while I live in kansas. I am on disability and them taking the money back is detrimental to me and my living situation. I have not been able to get ahold of anyone at direct Express since  receiving the last letter. There are no family members or friends that have access to my card, all of these charges occurred while I was sleeping.
Consumer complaint received 2023-03-02
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2023-09-03
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I am writing to file a formal complaint concerning deceptive marketing practices that I believe may have violated Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) by Best Buy, a prominent consumer electronics retailer. 

On XX/XX/2020, I visited a local Best Buy store located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX. During this visit, I made a substantial purchase exceeding {$1000.00} and opted for a financing option offered by Best Buy through their credit card program. The offer presented to me was a 0 % Annual Percentage Rate ( APR ) financing plan over a 24-month period. I was told that the {$1000.00} would be evenly divided into monthly payments over the course of 24 months.

Regrettably, I later discovered that the payments were not arranged as initially described. Instead of the expected 24-month installment plan, the payments were set to " MINIMUM DUE, '' which caused the 0 % APR to expire, leading to a significant accumulation of interest charges over nearly two and a half years. 

This discrepancy arose from what I believe was inadequate clarification and transparency in the marketing of Best Buy 's credit card offer. Unlike previous experiences with other retailers, I was not given clear and accurate information regarding the terms and conditions of the financing arrangement. 

I have attempted to address this matter through Best Buy 's customer service, particularly their credit card department. Unfortunately, my efforts have been stymied. I received a whole bunch of gibberish from their executive team. 

I hereby request the following actions be taken : An investigation into Best Buy 's marketing practices related to their credit card offers, particularly the clarity of terms and conditions provided to customers. 

A remedy for my specific situation, which entails a full refund of all fees and interest charges incurred on my Best Buy credit card account in relation to this purchase. 

I trust that the Federal Trade Commission will treat this complaint with the seriousness it deserves and take appropriate actions to ensure that consumers are not misled by deceptive marketing practices. I anticipate your response within a reasonable timeframe. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2022-11-22
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)

XXXX XXXX Transunion are reporting inaccurate information on my credit reporting. A collection account that I did not 1 ) authorize 2 ) I have no idea who the debt collector is 3 ) I never signed any papers with XXXX XXXX for them to sell any debt to XXXX XXXX XXXX. 

Acct # XXXX
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have an XXXX XXXX credit card an in XXXX I was leaving the country so I called and made a payment however, I was told that it hit two days later and because of the representative not putting the correct note on the account to make sure it was at XXXX, I was assessed a late fee and interest was then applied to that amount. Last week I spoke to another representative who has fixed that error that should have been done in XXXX however, I notice that my credit score has taken a hit for negativity and I really do not appreciate it. I was told to reach out to the credit bureau.
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

XXXX  is allowing Portfolio Recovery Associates to do Hard Pull inquires every few weeks they are doing HARD PULLS Inquires without my permission or authorization. PRA did HARD PULLS XX/XX/2019 and now Im showing another HARD PULL XX/XX/2019. This is illegal.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (FL)

I call Barclaycard XXXX XXXX after XXXX  XXXX, and ask for a extension on my mountly payment last XXXX, now I got the statement and they charge me late fee XXXX}, when they toll me you do n't have to make a payment until XXXX. So now I have to make a payment for XXXX and that include the amount due in XXXX, XXXX late fee and XXXX due amouth. That 's Not fair for me that 's why I making this complaint.
Consumer complaint received 2023-03-02
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. (NJ)

THERE ARE ITEMS ON MY REPORT THAT ARE NOT MINE. ACCOUNTS: XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ADDRESSES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-08-24
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)

TransUnion, Please see attached and below - I am unable to log into my account online. I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work. 

XXXX ) I want to be able to log into my TransUnion account online at XXXX  XXXX ) I want my TransUnion account to be a free account. 

XXXX ) I want full access to my account and be able to freeze or unfreeze it as I desire. 

As of right now - I am not able to login online. Please resolve as soon as possible. 

Attached are my drivers license, social security card, and address.