davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had filed a fraud claim on my Debit card because I didnt make the charges, I was in the hospital d uring the time of the charges due to COVID-19. I filed a claim with the bank and contacted the merchant to advise them of the fraudulent charges and filed a police report. The bank gave me a temporary credit and the merchant refunded some of the charges then the bank denied my claim and took the temp credit and also removed the overdraft amount from one of my other accounts marking my mortgage check return. I have filed an appeal but still havent heard from my bank. I am now late on my mortgage payment due to this and all because the bank says that there wasnt an urgency to to file a claim because of a charge dating back XX/XX/2022 from the same merchant that I didnt notice of {$.00}, which by the way the bank included in my claim not me.
Consumer complaint received 2022-12-05
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-12-05
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. (DE)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$80.00} ; XXXX XXXX Balance {$4100.00}
Consumer complaint received 2022-12-05
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)

I ordered a copy of my report in Experian and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXXXXXX .... Balance : {$17000.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX  XXXX XXXX .... Balance : {$1900.00} ; XXXX  XXXX XXXX. Balance : {$1900.00} ; XXXX  XXXX .... Balance : {$420.00} ; XXXX  XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$500.00}
Consumer complaint received 2022-12-05
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)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 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. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-13
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. (NV)

An account which should have been deleted is still showing up on my Experian report. I tried to submit a dispute, but I do not believe they properly looked at the evidence that I submitted to them. This debt was originally held by XXXX XXXX XXXX XXXX, I sent them a debt dispute letter with the following terms with a certified letter " If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased ''. In the attached PDF they admitted that they never responded nor validated the debt, and so this account should have been completely deleted, and never sold to another company. This new debt collection company XXXX is basically trying to collect on a debt that XXXXXXXX XXXX  XXXX XXXX agreed to close.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint regarding the inaccurate credit information being reported. I am greatly distressed by the inclusion of this detail in my credit profile, as they have adverse effects on my otherwise positive credit history. It is imperative to adhere to credit reporting laws, which mandate the reporting of only accurate credit information. Undoubtedly, the inclusion of this erroneous information is either an error on your part or on the part of the reporting creditor. 

The inaccuracies on my credit report have resulted in unjust denials of credit recently, causing considerable embarrassment and negatively impacting my quality of life. Therefore, it is crucial that this information be promptly verified and removed from the report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-08-16
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. (SC)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted 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
Consumer complaint received 2024-04-01
Product: Credit reporting 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. (IL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (CT)

Received a check for {$1000.00} in XX/XX/XXXX for my security deposit from a property management company. I mobile deposited the check in XX/XX/XXXX and the money was put into my savings account. About six months later in XX/XX/XXXX, my savings account showed a withdrawal of {$1000.00}. After calling the bank to find out more, they referred me to a bank branch for an answer. They said that someone intercepted or copied the check ( same check with same numbers -- different signatures! ) and that it was mobile deposited before my deposit occurred. 
The bank ( TD bank ) told me to file a claim with them and then to file a claim with the bank of the original check ( XXXXXXXX XXXX ). I followed their lead, but after 120 days of waiting for a response, there has been no response from XXXX XXXX TD bank says they can't give me my money back without an acceptance from XXXXXXXX XXXX. TD bank was responsible for the check being deposited both illegally and legally Two times! The funds should be replenished to my account. 
It is obvious that I am the rightful owner of the check and the funds but the banks are not safeguarding my funds. It's not my job to chase around funds that the bank was incapable of protecting. I realize it's a small {$1000.00} but I am a hard-working individual trying to pay off college debt and pay off my own bills.
Consumer complaint received 2023-08-16
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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. (TN)

In accordance with the Fair Credit Reporting Act ; XXXX  XXXX XXXX XXXX, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-05
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)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Consumer complaint received 2023-08-16
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. (TX)

This credit bureau continues report late payments on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  and XXXX XXXXXXXX. I have wrote to them on many occasions to remove this inaccurate information. That is a fcra violation of usc 15 1681a ( 2 ) ( a ) ( i ) it clearly states except as provided the term consumer report ( which is my credit report ) does not include a report containing information solely as to transactions or experiences between the consumer ( which is me ) and the person making the report. So I want.these late payments to be removed immediately. I also need.to be compensated XXXX XXXX for this fcra violation tht they have clearly violated..
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$470.00} - Late/Open XXXX XXXX XXXX Balance : {$440.00} - Late/Open XXXX
Consumer complaint received 2022-11-01
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. (GA)

Please do not close this complaint. This dispute is unrelated to complaint XXXX. XXXX and Equifax were not listed in the previous complaint. 

I am filing this complaint against XXXX and Equifax for failing to delete and discharge an inaccurate public record account from my report. They're stating I have a bankruptcy listed from XX/XX/2017. I sent them a letter demanding copies from the court showing this public record is valid. They did not send me the documents I requested and refuse to remove the account. I am frustrated and dismayed about this erroneous item on my credit report. I also found out from Representative XXXX XXXX of the House Select Subcommittee that XXXX and Equifax have been discarding disputes they know violates the fair credit laws.This public record account is inaccurate, invalidated, unverifiable and questionable. Please ensure this account is deleted and discharged immediately.
Consumer complaint received 2022-11-01
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)

I have written dispute letters to Transunion on many occasions disputing the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the following violations : 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 U.S. Code 1681a ( 2 ) ( i ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802. I have physical and digital proof that via USPS that the letters were left with an agent of Transunion. I never received a response or proof that an investigation took place, which is grounds for removal. The procedures in case of disputed accuracy was not followed. I wrote to the CFPB to file a complaint. I typed out specifically, in great detail what occurred, and which U.S. Codes that were violated by Transunion and the companies furnishing the disputed information. NONE of my matters were addressed. A representative from the CFPB responded to me in writing stating the following : " Below includes the results of that investigation. XXXX XXXX; XXXX ; XXXX XXXX XXXX AS REPORTED ; XXXX XXXX; XXXX XXXX XXXX  '' Why did no one address any of the violations? Why did no one address my right to privacy being violated? Why did no one address that I never opted into reporting ; no consent = identity theft! IWhy did no one address the fact that I requested original contracts and disclosure forms ( which are to be " clear and conspicuous ), and never received them! How am I to believe anything that is being reported? How do I know the accuracy of the amounts are correct. etc? I can keep going. Nonetheless, I sat and waited 60 days for that extremely LAZY response above from the CFPB. YOU, the CFPB is the supervising authority over the CRA 's, yet, you are not enforcing any laws! I also stated that I do not consent to XXXX  and I am 100 % sure that was used to handle my complaint. If XXXX was not used, please have Transunion provide me the name of the company they contacted, if they contacted them via mail or phone, the date and time they contacted the companies, the person they spoke with, etc, so I can follow up with these individuals.
Consumer complaint received 2022-11-01
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ALLY FINANCIAL INC. (MO)

Submitted identity theft report via certified mail on XX/XX/2022 as well as disputed the fraudulent account multiple times prior to certified letter using XXXX, XXXX, and XXXX.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is my third endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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. (GA)

On XX/XX/2022, XX/XX/2022, and XX/XX/XXXX i sent disputes to the bureaus to remove the accounts listed below and they did not remove them or send me validation of the accounts. 

Sec. 609 of fair credit reporting act.

Sec. 602 i have the right to privacy. 

XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Please remove immediately.
Consumer complaint received 2022-11-01
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. (GA)

On XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/XXXX i sent disputes to the bureaus to remove the accounts listed below and they did not remove them or send me validation of the accounts.

Sec. 609 of fair credit reporting act.

Sec. 602 i have the right to privacy. 

XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXXXXXX Please remove immediately.