davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX  XXXX ] [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX  XXXX ] [ XXXX ] Transaunion : [ XXXX XXXXXXXX ] [ XXXX ] [ XXXX XXXX XXXX [ XXXX ] [ XXXX ] XXXX XXXX ]
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I went to the Bank of America ATM to withdraw cash the ATM kept telling me daily amount exceeded transaction canceled several times then I checked my balance and I was missing XXXX dollars so I called to make a Fraud complaint the fraud clerk didn't canceled my card and send me a new XXXX a few days later the XXXX dollars were gone so I called again a made a new complaint the second fraud clerk told me that the first clerk didn't do her job that's why I lost XXXX dollars yesterday XX/XX/XXXX the bank refunded XXXX dollars but the are denying me the first XXXX dollars of the first complaint because they told me they have video of me getting the cash so I said what do I look like and they gave me complete different person they said I was XXXX wearing a white shirt short sleeve v neck so I said excellent do I have any marks on my chest and arms they said NO I said wrong person because I'm 90 % of body is Coverdale with XXXX and I went in person to Bank to get verified they now know I wasn't the XXXX man with no tattoos but they are still denying me my first XXXX dollar fraud complaint because the first girl who helped me did not clarify as Fraud Bank of America is stealing scamming me of my money that was hacked.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my deep frustration and dissatisfaction with the uncooperative and non-compliant behavior exhibited by XXXX in addressing a fraudulent item on my credit report. Despite repeated attempts to rectify this matter, XXXX has displayed a blatant disregard for consumer laws, including XXXX XXXX guidelines and CFPB regulations. 

Account Information : Account Name : XXXX Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$470.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Credit Limit : {$300.00} Highest Balance : {$470.00} Terms : - On Record Until : XX/XX/XXXX Despite my repeated requests, XXXX has not provided adequate documentation regarding the method of verification for the aforementioned fraudulent item. This refusal to disclose information that directly impacts my financial well-being raises serious concerns about XXXX 's compliance with legal obligations and transparency standards. 

Furthermore, XXXX 's failure to thoroughly investigate and address this issue is a clear violation of my rights as a consumer, as well as XXXX XXXX guidelines and CFPB regulations. I have diligently followed all necessary steps to dispute the inaccuracies and potential fraudulent activity on my credit report. However, XXXX 's reluctance to take meaningful action reflects a lack of commitment to its responsibilities under the Fair Credit Reporting Act. 

I am deeply disappointed by XXXX 's behavior and demand that the Consumer Financial Protection Bureau intervene to ensure that this matter is promptly and appropriately addressed. I kindly request that you thoroughly investigate this case and take necessary actions to hold XXXX accountable for their violations. 

I look forward to your prompt attention to this matter and a swift resolution to rectify the fraudulent item on my credit report. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or clarification. 

Thank you for your immediate attention to this pressing issue.
Consumer complaint received 2024-03-11
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My checking account has been locked. At no time did I receive any communication from Huntington informing me of the account freeze - no email, no phone call, and no mail. My account has been locked since at least XX/XX/XXXX. On that day I tried to make a payment and was unable to do so. I called three times over the next two weeks and was unable to get a resolution - it was suggested that I try to visit a branch. On XX/XX/XXXX I visited a branch. After about 1/2hr were able to raise somebody from the main office who suggested that the branch send an email detailing 'suspicious deposits '. I sat with the manager and drafted an email detailing all of my deposits. After one week my account was still locked. I visited the branch again and they tried to help. Nothing. My last visit to the same branch was on XX/XX/XXXX. They again tried to help. Today, XX/XX/XXXX, I received a call from the branch indicating that they have not been able to get an answer from corporate. Furthermore, they are unable to get a date when this might be resolved.
Consumer complaint received 2023-11-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency. 

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2017, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being. 

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated XXXX period, informing me of the actions taken to address this matter. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves. 

Sincerely,
Consumer complaint received 2023-09-14
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$28.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$720.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

CHILD SUPP Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$130000.00}. 

I couldn't apply for home loan due to this negative items on my credit report.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$28.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$720.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$130000.00}. 

I couldn't apply for home loan due to this negative items on my credit report.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/07, I contacted Truist Bank to let them know I lost my card at gas station ( XXXX ) over the weekend. The claim was not submitted correctly and all of my transactions were not submitted. 


Claim # XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2021-03-19
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. (MI)

Experian is taking brief snapshots of the credit balance on my credit card, even though I have been paying off full balances within 2 days, before the " due date '' ( in order to keep our score high ), and " reporting '' it as " an event '', which apparently is driving down my FICO score, if only temporarily. 

They are then using this very short term cc balance increase ( that I pay off almost immediately ) to put downward pressure on my FICO score, to apparently try and sell me services which will help to improve my score. 

I received this alert on my cc balance ( that existed for maybe 2 days ) 1 day after I had paid the full balance. The alert was received on XX/XX/XXXX. 

They have a major conflict of interest built into their business model and this I would like to see changed. Thanks, XXXX XXXX
Consumer complaint received 2021-03-19
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: Experian Information Solutions Inc. (TX)

I started a dispute early last year. I have postal documentation showing another dispute was received by the company on Experian XX/XX/XXXX and ( XXXX XXXX XXXX ) XX/XX/XXXX. I received no response other than verified. I called XXXX on XX/XX/XXXX and spoke with XXXX at XXXX requesting further investigation under FCRA section 611. I spoke with XXXX at XXXX on XX/XX/XXXX at XXXX am. I spoke with 3 reps ( ( XXXX, XXXX XXXX XXXX and was ultimately transferred to XXXX in special department at XXXX pm on XX/XX/XXXX. I asked for details other than just verified because there were still discrepancies for the XXXX XXXX XXXX account that was deleted on XX/XX/XXXX and reinserted without notice, XXXX, XXXX XXXX and XXXX XXXX None of these accounts have been investigated properly. I asked for further investigation and received no response. It has been well past the timeframe allotted to update/modify or delete the accounts after a reasonable reinvestigation into the discrepancies.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (TX)

This presents a violation according to the regulations within 15 U.S. Code 1681s-2, which delineates the responsibilities of entities that furnish information to consumer reporting agencies. Prior to its reporting, no written notice regarding the account was provided. Consequently, I am formally requesting the elimination of this account from my credit report, as I contest the validity of the alleged debt. Additionally, this action appears to contravene my rights as outlined in 15 U.S. Code 1681b ( 2 ), which specifies acceptable purposes for consumer reports. The account was reported without my explicit consent, and it seems that my social security information has been utilized improperly. Given my status as an identity theft victim, it is crucial to emphasize that 15 U.S. Code 1681c-2 mandates the blocking of such data without my explicit written authorization. As per 15 U.S. Code 1681a ( 4 ), consumer reporting agencies are obligated to respect my privacy rights. Nonetheless, it is evident that my privacy rights as a consumer have been transgressed, as the information was disseminated publicly without my authorization. Accordingly, I hereby formally insist upon the prompt removal of this account from my credit report.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.