davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America has discriminated against me through multiple applications. I received no benefit from any of the credit application I submitted to Bank of America. I am demanding that Bank of American give me my application due to me not receiving the credit for my personal, family and household use. Bank of America has a duty to keep my application on file for no less than one year. Bank of American has discouraged me from ever applying for credit due to Bank of American not making credit accessible to me and my family. This has caused us severe harm and injuries due to Bank of America refusing to offer any type of accommodations or a legal reason as to why they will not offer me products or services. Bank of America is the only bank close enough for me and my family use and yet I am unable to use their services or products due to Bank of America discriminating against me. As a single mother of three, Bank of America furnishing inquiries on my consumer report but not approving me for the requested product has caused XXXX XXXX and unrecoverable Finacial harm and distress. Bank of America pattern of scamming and harming consumer is duly noted by the CFPB and I am still being victimized by Bank of America. 
I have exhausted all efforts of trying to resolve this matter privately with Bank of America and will be forced to pursue other legal venues if Bank of America continues its deceptive, unfair, and prohibited actions against me ( the consumer )
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

XXXX   XXXX   XXXX   XXXX   c ontinues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have tried twice to remove inaccurate addresses and names from my XXXX report, but for some reason, this hasn't been handled. Please look into this issue for me, I am in fear of identity theft on all three bureaus. I have attached my current driver 's license, all information on the license is accurate.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

There are numerous amounts of errors on my Equifax, XXXX, and XXXX consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well. 

I was also a victim of the data breach. I have sent Equifax/XXXX/ XXXX a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. 

What I need from Equifax, XXXX, and XXXX is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX*has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (VA)

I was transitioned from SunTrust Bank where I banked for over 20 years to Truist Bank in XX/XX/XXXX as part of their merger. I paid my monthly bills through SunTrust using XXXX for most of that 20 years without SunTrust charging a fee. After the merger Truist shut off my use of XXXX unless I paid a monthly fee of {$7.00} so I started using the Truist Bank bill pay service. One of the bills that I pay quarterly through the Truist Bank bill pay service is my quarterly property tax. I have it listed in the Truist Bank system to pay the City of XXXX, VIRGINIA. I get on line with Truist Bank after the payment date to confirm the payment was made. On my statement, the payment shows just as XXXX, it does not show VIRGINIA. However in the bill pay planning section it shows as XXXX, XXXX. 
I then contact the City of XXXX, VIRGINIA each time to confirm that they have received the payment and after confirming I go into the Truist Bank bill pay planning system and manually change the transactions from XXXX, NEBRASKA to XXXX, VIRGINIA. 
Ive been to a nearby Truist Bank branch three times and have lost count of the number of times Ive been on the phone, getting transferred around trying to resolve the issue. There have been two different service requests created ( ticket # XXXX and ticket # XXXX ) to fix the issue. I just paid my quarterly property tax XX/XX/XXXX and the problem still exists. This has been going on for a year now. Dealing with customer service at Truist Bank has been an exercise in frustration.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-08
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  these accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has all 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 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (FL)

I opened on the account with BBVA on   XXXX ,2017     and it was a nightmare ever since. I started having issues over the past weekend with several overdraftfees from unathorized charges that caused overdraft fees I used the account to deposit small checks and this banks holds the check for  three  days no matter how small the amount, they took the entire deposit and refused to assist any further claiming the account was new I asked for the check to be release they refused to to so that way they were able to keep the check.I removed overdraft coverage and thought I would be okay and not have anymore problems with and on  XXXX  ,2017  I made small deposits and today they took that money as well and basically told me they that will not be refunding anything and to take it up with the merchant the charge was in authorized and a payment was made since then to the merchant and I do n't know why I was overdrafts fee again to take money from their customers this bank charged me for an unauthorized charge for a bill that was not set up on autopay or kept on file this bank tried to push the payment through and over drafted my account
Consumer complaint received 2023-06-02
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$280.00}
Consumer complaint received 2023-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

Equifax is reporting fraudulent/inaccurate inquires and has failed to properly investigate them per my request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Greetings, I sent out a personal information letter to Equifax on XX/XX/2023. The letter gives my correct address and correct name. I also requested that any other names, addresses and employment information be removed from my consumer report.

I also stated 15 USC 1681 ( a ) ( 4 ) in reference to a consumers right to privacy as well.

It has been over 30 days since I've sent the letter and a new credit report was furnished by Equifax. The report was still not accurate and incorrect addresses are still being shown on my report. 

I sent a second letter on XX/XX/2023 to request for second time to ask that the incorrect addresses be removed. 
I also sent and arbitration Opt-Out letter as well on XX/XX/2023 XXXX
Consumer complaint received 2023-07-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (NJ)

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove these inaccurate information as you are in violation
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple request for XXXX to validate/verify a XXXX auto repossession appearing on my credit reports. I have advised the bank my identity was stolen while traveling. Additionally, I have provided documentation to support my claim i.e police reports, identify theft reports, leases, utility bills, etc. I've also mailed multiple request for All Executed Contracts and Documents on this account to validate/verify this debt and confirm the balance. Demanding that the bank either forward the requested documentation or immediately cease collection and remove this account from my credit file. 

To Date, I have received conflicting notices from both XXXX ( notice of repossession on XX/XX/XXXX ) and XXXX ( notice of insurance claim on XX/XX/XXXX ). These notices/documents suggest the vehicle was repossessed and involved in an accident on the same day. The notice from XXXX indicates an insurance claim was filed, as a result I received an incident report form requesting information. The notice from XXXX advised of the repo and the right to retrieve personal items. I have sent correspondence to both companies requesting all executed contracts/documentation to validate both accounts - vehicle and insurance. Yet, I have not received a response from XXXX. However, XXXX continues to forward generic letters assuring me the debt is valid without sending any of the requested documents to support their claim. Additionally, XXXX has sent 2 identity theft forms that require MN XXXX. I DO NOT LIVE IN MN. Therefore, i am unable to have the forms notarized. 

Finally, the XXXX letter indicates the vehicle was repossessed XX/XX/XXXX. It is now XX/XX/XXXXXXXX  was the vehicle sold? why is the debt still reporting at XXXX. Is this the deficiency balance? How much was the original debt? Simply - This companys practices are fishy!!! I have escalated these request to the governing authorities XXXX, 3 Major Credit Bureaus, MN Dept of Commerce, and NCUA. Unfortunately, XXXX continues to validate the debt with each agency with out providing me the requested documentation.