davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
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)

DEPTEDXXXX ACCT # XXXX Amounts : {$3500.00} / {$6000.00} Date Opened : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (CA)

Victim of a data breach from XXXX XXXX XXXX on XX/XX/XXXX and received a letter notifying me in XX/XX/XXXX.
Consumer complaint received 2018-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I take VERY good care of my credit score and monitor it weekly. There are two HARD pulls on my credit, neither of which I authorized or had knowledge of. One, an online retailer - XXXX XXXX that I've had an account with for over a decade, with charges usually less than {$100.00} and which I have attempted repeatedly to get them to remove this hard pull, to no avail and the other from XXXX, a network cable company that I do not have, have never had and certainly NEVER allowed to do a hard pull on my credit. 

I wish to have both of these removed from my credit report as they are both without my permission or knowledge. I did not request credit from either of these businesses, and I have since cancelled any association with XXXX XXXX. A hard pull must be by permission of the individual ONLY and us usually reserved for large purchases only. 

I've done my homework and neither one of these places are working within the law in this instance. 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-09
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. (PA)

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 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 2024-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of Americs lied and said the transfer was done on XX/XX/XXXX. Then they lied and said the server wasn't working. As of now they are requesting another {$1500.00} before making the transfer. Each time it has been about more money and why I pay I still don't get nothing from them. This bank needs to be shut down becsuse they make up rules to take your money. I am about to lose my car becsuse of the bsnk lying. Please get back with me.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to express my frustration and disappointment regarding the unresolved late open accounts listed on my credit report. Despite numerous attempts to rectify this issue, the late open accounts remain inaccurately reported, negatively impacting my credit score and financial standing. 

Since discovering these inaccuracies, I have made multiple attempts to have the late open accounts corrected. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my persistent efforts, the late open accounts remain unresolved. 

The continued presence of these inaccuracies on my credit report not only undermines the accuracy and integrity of my credit profile but also impedes my ability to access credit and financial opportunities. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not reflect my credit behavior accurately. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in correcting the inaccuracies on my credit report. 

I demand immediate action to investigate and rectify this situation by correcting the late open accounts on my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. With this, I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$700.00}.
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I have my mortgage through Truist Bank. Again, this year, they are trying to take escrow out for my flood insurance, just like last year, when my flood insurance is paid for by my HOA. This was discuss last year and the same thing the bank is trying to do is to increase my escrow for the flood insurance - even though I have provided to the bank the paid policy that is in effect from XXXX of XXXX through XXXX of XXXX. They do not want to even look at my account - that in the past years, they have never taken out for escrow with my flood insurance since it is through my HOA. 
I believe that this borders on harassment since every year I have to go through the same argument with them. The departments at Truist Bank show be reprimanded for continual avoidance of the facts that I have presented above.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts that are being challenged XXXX XXXXXXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection {$0.00} XXXX XXXX XXXX XXXX Collection {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Collection {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection {$800.00} XXXX XXXX Collection {$800.00} XXXX XXXX XXXX XXXXXXXX Collection {$320.00} XXXX XXXX XXXX Collection {$110.00} XXXX  XXXX Collection {$180.00} XXXX XXXX XXXX Charge-off {$780.00} XXXX  XXXX XXXX {$270.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Charge-off {$710.00} XXXX  XXXX XXXX {$140.00} XXXX XXXX Charge-off {$110.00} XXXX XXXXXXXX Charge-off {$0.00} Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX  | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX  XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX  | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXXXXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX XXXX XX/XX/XXXX N/A Inquiry {$0.00} XXXXXXXX XXXX XXXX XXXX  Inquiry {$0.00}
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (TN)

This not a duplicate and I have never used this site before to make a complaint!! I also am submitting this complaint on my OWN behalf and not any 3rd party because I know my rights I have been a XXXX  for over 35yrs.The fraudulent accounts. inquiries, and addresses found within my consumer report are not related to any transactions that I made. I am alleging that a person or company WITHOUT my AUTHORIZATION used my personal information to apply for goods, services, or money and was successful in creating some accounts. Im elderly XXXX XXXX  my wallet stolen I think from some students as a result I am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX AD XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX FRAUDULENT ADDRESSES REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2023-03-02
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: Experian Information Solutions Inc. (TN)

In 2022, someone stole my identity and opened an account with XXXX XXXX. The balance was sent to a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We filed a police report in XXXX of 2022 and did the required paperwork from XXXX XXXX. At that time, the other credit bureaus had it removed, but Experian did not. We recently found out that the fraud is still on our credit report with Experian, and filed a dispute, but they refused to remove it. 
Today we called XXXX XXXX who told us they had it removed from the credit collection agency, but they refused to do anything else about it. We called the credit collection agency, who said the debt is still valid and was not removed by XXXX XXXX. They hung up on us and wouldn't tell us anything else. 
Experian, XXXX XXXX, and the collection agency will not help us have this removed and we are trying to buy a house.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

A transaction occurred in XXXX that was not performed by me. That transaction occurred in the local supermarket I always go to. I only made {$6.00} shopping that day. However, when I checked my bank account, a {$130.00} purchase was made on the same day, from the same market, at the same time. Of course, I went to the supermarket instead of calling the bank to talk first. Because my debit card was still with me, there was no theft, just extra money was taken without my authorization. When I spoke to the XXXX of the market, he looked at all the transactions about that day and the previous day and even gave me a document. There is no such amount in their system. Only the {$6.00} amount I actually shopped for was visible. As a matter of fact, I found the care by calling my bank. A few days after making the announcement, they deposited the money back, but after their extra investigation, they took the money back from me. When I asked why they took it back, they explained that they did not see it as a fraud in their system. Yes, my card was not stolen, but I did not make this transaction, when I asked if it would not be considered fraud, it was rejected again. I went to talk to the market again and they checked the transactions on my behalf for me again for that month, but only the purchases I made in previous transactions which are correct. Citizens Bank did not help me at all, I had XXXX accounts, XXXX was the account where I saved my money, and I took all the money from there and transferred it to another bank. At the same time, I kept a police report. Because I am a real victim. If I wasn't a student, I would go to court if I had the opportunity, because I don't want to let go of this, but I can't afford to hire a lawyer or pay the court costs. All I want is for my bank to deposit back the amount of the transaction ( {$130.00} ) made without my consent. Whether the amount of money is small or large, these people 's money is earned by working hard. I do not want to let these efforts disappear so quickly in the system. Please do not ignore this request. This is the only path I can apply for help!
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 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. 

Due to these violations I have a right to sue per violation.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (KS)

Report violates Family Educational Rights and Privacy Act ( FERPA ), enacted 1974, which protects the privacy of student education records, which applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232 ( b )
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX account # 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 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I did a transfer between my Chase accounts for {$6300.00} on XX/XX/25 and Chase will give me no time frame as to when these funds will be available. Please keep in mind this is from one Chase account to another so I can pay bills through my Chase checking account. I have spoke with five employees and only told they have no idea.
Consumer complaint received 2023-02-06
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2017-09-19
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. (MI)

Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3XXXX 4.XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX.
7.XXXX  8.XXXX XXXX XXXX XXXX 9.XXXX XXXX  10.XXXX XXXX 11.XXXX XXXX 12.XXXX 13XXXXXXXX XXXX 14XXXX 15.XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
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 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