davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my complaint about TRANSUNION. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update this immediately in my report : DEPTEDXXXX XXXX.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I opened a BanK of America credit card earlier this year and I travelled XXXX  to engage in my normal lime of work as a XXXX  XXXX with a XXXX XXXX. During the travels, I used the Bank of America credit card several times, after which the card was frozen. 

I called Bank of America several times to get the freeze lifted which they could not do. Eventually the card was closed. 

Not wanting to damage my credit ( yet locked out of my account ) I paid the remaining balance of {$1300.00} on XX/XX/XXXX, and hoped all would be well. And it was, until Bank of America 's autopay also withdrew the very same final balance amount of {$1300.00} on XX/XX/XXXX from my checking account. 

Thus, my account was overpaid by {$1300.00}. 

On XX/XX/XXXX I was back in the North Carolina area and I visited a bank branch to verify my identity and sort out this situation. The manager promised that my {$1300.00} would be returned within 10-14 days.

That did not happen, and since then I have been calling Bank of America representatives weekly to try to troubleshoot the situation. Some say I should just be patient. Others say there is still a fraud alert on my ( closed ) account and perhaps that is why the cash is not being returned. 

Every company representative I call - about 10 so far - has promised to help and vows to get the money returned to me in 10-14 days. Yet nearly 2 months later I am unable to find anybody capable enough of resolving this situation.
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. (IL)

This whole process is causing issues to my life. 
I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report.

I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XXXX XXXX XXXX has been emailing me as a 3rd party, demanding that I pay XXXX for a account that was verified as a fraudulent account and removed. The Original Creditor which is as Capital One, N.A. was also removed.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple creditors and the accounts associated with them. After careful review of my credit reports, I have identified several instances where I believe violations of consumer protection laws may have occurred. I am seeking your assistance in investigating these matters and ensuring that my rights as a consumer are upheld. 

The following violations have come to my attention : XXXX XXXX XXXX ( # XXXX ) : - Violation : Failure to provide accurate and verifiable information about the account. 

XXXX. XXXX XXXX ( # XXXX ) : - Violation : Alleged unfair practices in relation to account management. 

XXXX. XXXX XXXX XXXX  XXXX ) : - Violation : Insufficient or inaccurate information provided about the account. 

XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( # XX/XX/XXXX ), XXXX XXXX  ( # XX/XX/XXXX ), and others : - Violation : Failure to properly disclose terms and conditions as per TILA ( Truth in Lending Act ). 

XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) : - Violation : Lack of transparency in settlement procedures as per RESPA ( Real Estate Settlement Procedures Act ). 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ) : - Violation : Alleged unfair practices in account management. 

I have personally experienced the negative impact of these violations on my financial stability and overall well-being. [ Provide details about how these violations have affected you, such as increased interest rates, difficulties obtaining credit, emotional stress, etc. ] I respectfully request that you conduct a thorough investigation into each of these violations to ensure that the creditors involved are held accountable for any breaches of consumer protection laws. Furthermore, I request the removal of the unverified accounts associated with these creditors from my credit report. Doing so would not only rectify the inaccurate reporting but also contribute to restoring my financial standing. 

I greatly appreciate your attention to this matter and look forward to a prompt resolution that upholds the principles of consumer protection and fairness. 

Thank you for your assistance. 

Sincerely,
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (IL)

On XX/XX/2023 I noticed over 50 unauthorized transactions on my statement and they all were to XXXX and my debit card wasnt even linked to XXXX. The bank associated with mu account only issued a refund for {$110.00} and I was told that XXXX is trying to take that money too even though I have locked my bank account and i have contacted XXXX and they are ignoring me and my bank says that they are pretty much not going to give me my money back. My bank is Comerica bank direct express is the card linked to this bank
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern this is my formal complaint on trans Union. They continue to violate 15 USC 1681g as it relates to my consumer profile. I am requesting these documents in order to confirm this accounts validity. I have the right to review this information. Pursuant to 15 U.S.C. 1681g ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( XXXX ) [ 1681h ], clearly and accurately disclose to the consumer : ( XXXX ) All information in the consumers file at the time of the request. Trans Union continues to send a parroted responses instead of providing what I requested. Trans union refusal to comply is a complete violation of the FCRA .15 U.S.C. 1681o : ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure ; Its clear that the documents i requested, trans union does not have, therefore there is no possibility. 
the account in question has been verified. I demand this account to be deleted from my consumer report immediately.
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received an offer from Citizens Bank. The offer was to open a savings and a checking account, maintain at least XXXX XXXX  monthly, and have a minimum direct deposit of {$500.00} per transaction. In return the bank would credit ( deposit ) my account {$600.00}. 

On XX/XX/2023, I opened a checking and savings account with Citizens bank, and made 2 different transactions of {$500.00} each from my Savings account at XXXXXXXX XXXX over to the newly opened savings and checking account at Citizens Bank ( a total of {$1000.00} ) using Citizens Bank direct withdrawal tool. 

Using the Citizens Bank online website, I was able to see the funds in the newly opened accounts. On XX/XX/2023, I was not able to access the Citizens Bank accounts online so I called their customer service, and they told me they were not able to find any accounts under my social security number or my name. 

On XX/XX/XXXX, I also received a letter stating the newly accounts opened were closed and no explanation on the reasons why. I contacted the number on the letter and they were not able to give me any information. The letter referred me to the local bank. 

On XX/XX/XXXX, I went to the Citizens Bank branch in XXXX, NY, and spoke to the branch manager, XXXX XXXX. He said he could not do anything for me because I opened the account online. He called customer service and they were not able to provide him with any information. 

Since then, I have called their customer service, their fraud department, and their ACH department, and no one is able to find my account or funds. 

My bank, XXXXXXXX XXXX, from the very beginning has confirmed the funds, {$1000.00}, were successfully debited from my savings account by Citizens Bank, and they provided me with the 2 trace numbers Citizens Bank could use to tack the funds. Citizens bank has stated they can not help me. 

The trace numbers are : XXXX # XXXX XXXX # XXXX I appreciate your help as it seems Citizens Bank used the advertising to commit fraud. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-19
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. (WA)

I pulled my credit report on XX/XX/2021 and sent a notice and pulled it again on XX/XX/XXXX and noticed an auto loan that is being reported. This auto loan is categorized as an " experience '' I initially had with XXXX XXXX of XXXX XXXX and then with US Bank so reporting it publicly to XXXX, TransUnion and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), because they werent involved in this private matter, and this is a violation specifically of 15 USC 1681a ( 2 ) ( a ) ( i ). Because Ive already sent a previous notice to the furnisher or creditor, this is also a violation of 15 USC 1681s-2 : responsibilities of furnishers of information to consumer reporting agencies.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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. 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove ASAP.
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. (HI)

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 2023-02-24
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: EQUIFAX, INC. (TX)

I have contacted Equifax, XXXX and XXXX several times about this issues the inquires on my credit from XXXX  XXXX and other unauthorized inquires in 2021. I have recently sent a letter again about this problem certificate mail. All they offer me was a {$1.00} trial to monitor my credit. They also inform me that I was apart of a breach. Thinking they would help me
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. (CA)

This is my complaint about EXPERIAN. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

Experian credit reporting has failed to update my credit report for several years, the last update was XX/XX/2021 this is highly unacceptable do to this company being responsible for reporting your status of credit to other companies
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My account with Wells Fargo was frozen for no reason or explanation for a week in XX/XX/2021, then they unfroze after I tore gating ne with questions. I been loyal, great client with them for many, many years. Was not happy about it and was intimidated and harassed. Felt like I never get my money back what was on my checking account balance.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to update/correct my personal information on file with your company. 

Please update my address ( XXXX XXXX XXXX, XXXX TN XXXX ) Please update my name ( XXXX XXXX ) My only social security number is ( XXXX ) My only correct date of birth is ( XXXX ) My only employer is ( XXXX XXXX XXXX XXXX My only salary amount is ( {$65000.00} annually ) I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the US post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 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 consent.
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. (TX)

I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.
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. (PA)

After recent review of my XXXX XXXX I found numerous Hard Inquiries on my report that I have no knowledge of, or did not authorize .The following are the hard Inquiries that I have no knowledge XXXX : XXXX XXXX, XXXX, XXXX Mortgage XXXX XXXX XXXX, Credit XXXX Bank XXXX XXXX bank XXXX CB XXXX XXXX XXXX, Factual Data, XXXX XXXX funding, XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX, Web Bank ... 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: SYNCHRONY FINANCIAL (GA)

XXXX XXXX I requested my credit report to find so inaccautes items being reported. I've disputed 2 times and nothing have been removed. My first date of. delinquent is reporting incorrect. the Balance was reporting {$3100.00} once I reached out the change it to XXXX also the last payment date is wrong