davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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. (IL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Documents have been sent out to the company acknowledging the fraudulent transaction that occured in the begining of 2022 for a loan of XXXX. Affidavit of Truth, XXXX XXXX XXXX XXXX, Affidavit of Truth All Accounts Are Paid In Full was included in the documents. 
-Pursuant to 12 USC 83 Banks cant actually loan money.

-Pursuant to 12 USC 1431 the role of banks is to not extend credit nor loans. 
XXXX XXXX Transaction -Conspiracy -Unlawful -Rico Act -False Marketing/Advertising
Consumer complaint received 2023-08-11
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-23
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date : XX/XX/2022 To Whom It May Concern : 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 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.

It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the records of convictions of crimes which antedates the report by more than XXXX 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. 
Sincerely XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I checked again 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 items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2022-10-23
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. (NY)

My name is XXXX XXXX XXXX I am a natural person and a consumer filing this complaint. DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME. THIS IS MY SECOND ATTEMPT
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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. (FL)

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Consumer complaint received 2023-08-11
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

( Citizens Credit Card ) In XXXX XXXX  XXXX I had received an email of suspicious activity on my account that an XXXX XXXX  XXXX  charge and to call fraud services. I called and confirmed that was not a charge I had ever made. Citizens fraud service cancelled the card and removed the charge from my statement and issued a new card. Fast forward to XX/XX/XXXX. Unbeknownst to me my account shows an approved charge of {$10000.00} to XXXX XXXX XXXX I only discovered this after failing to buy groceries on XX/XX/XXXX and my card was declined. I had tried to call fraud services for 48 hours until someone finally answered on Saturday morning! ( I have proof of calls made and time spent on hold ). The gentleman I spoke with said I maxed out my account! Uhh you dont say Im calling fraud services for a {$10000.00} charge approved by your company on an account with a {$2500.00} credit limit. Mind you no communication was ever made. The gentleman said he put in a claim and I was not responsible for that charge. He was not professional and seemed unfamiliar with processing a claim. I called the following day to get a claim number so I could have some sort of documentation, the woman I spoke with said a claim is not on record and she was more helpful and provided me a claim number. She had said that I was not responsible for the amount and that it would not show on my statement. Well I just got my statement and it indeed shows I am still responsible for this amount. I am so disgusted with how Citizens has handled this issue. And under further investigation by myself that {$10000.00} charge that was approved has the last 4 digits of the original card that was supposed to have been cancelled!
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Credit Karma (NJ)

I had all but two disputes with this bank before they abruptly closed my account! All because of what -- Because they completely screwed up both disputes and I called them out on it and demanded they reopen them and handle them properly and appropriately?? Absurd!! The one dispute ( XXXX ) they went in the merchant 's favor after I told them that the merchant closed my account and would not allow me to return the merchandise. With the other one ( XXXX ), after I clearly labeled the type of dispute as " Merchandise was defective '' and not only told them but showed them proof that the merchant refused the return, TWICE, they emailed me on XX/XX/XXXX stating, '' Unfortunately, we are unable to move forward with the dispute as we do not have dispute rights because the merchandise was kept and not returned. Additionally, we are required to allow time for the merchant to resolve the matter on their end. '' Absolutely absurd!!! Clearly whoever handled my dispute doesn't know what they're doing whatsoever and should be demoted if not fired... So after I emailed them and called them out on the lousy way they treated my dispute, I received an email on the XXXX which states, " I've escalated your appeal to our disputes team for further review. We will contact you should we need any additional information or the issue is resolved. '' Two days later I receive an email stating they closed my account!! What is wrong with these people?!? I could really care less if they reopen my account or not. But they need to reopen my disputes and handle them the way they should be handled or else I will file small claims suit against them for the funds...
Consumer complaint received 2023-06-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (SC)

I closed on a home equity line of credit at the end of XXXX at local TD bank branch in XXXX, SC. There were 6 creditors to be paid off and as of XX/XX/XXXX, only 4 have been paid in full. I have contacted my loan officer numerous times and he told me that the checks got lost in the mail and would be resent. He told me to keep checking the accounts everyday and to keep him updated. I tried reaching out to him via email and phone and I got no response. I had to keep emailing and calling and leaving voice mails and then he finally called me back. I let him know my frustration and how disappointed I was in this process and that I shouldnt have to keep calling and calling and calling trying to reach him. And that this should have been resolved weeks ago. I have had to make all my XXXX payments for the credit cards that were supposed to have Been paid off when we closed back in late XXXX. And the TD bank loan for the home equity line of credit. Its now XXXX and XXXX XXXX  and XXXX XXXX  ( XXXX XXXX  ) still have not been paid in full as of this morning, XX/XX/XXXX. I have called and emailed my loan officer and he has yet to respond to me. So therefore I am filing this compliant and hope that this can be resolved once and for all.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc. (IL)

I tried to apply for a mortgage on XX/XX/2023 and i see that there is a collection on my credit of {$2800.00} from Mid State Collection solutions collecting on behalf of XXXX XXXX located in XXXX Illinois. I have never lived in XXXX Illinois. The account number is XXXX from Mid State Collection Solutions.
Consumer complaint received 2022-12-10
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. (NY)

For several months, I have been trying to dispute negative accounts from my credit report, several times. Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are the negative accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached below is the recent letter I filed.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

The Credit Bureaus NEVER Did Proper Investigationaccording to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 did not do this. 
Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE The credit bureaus stated this account was properly investigated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL They Also Violated the law because according to 15U.S.C 1681 Section 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Section 604 A States a Consumer reporting agency can not furnish an account without my written instruction. 


I DID NOT GIVE ANYONE WRITTEN INSTRUCTIONS
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (ID)

Discover card has zero buyer protection. They will lie and say your purchases are protected but they are not. Their dispute department is a joke!! My dispute was escalated to a Manager and still, they found in favor of the merchant. The way Discover handles disputes is if the merchant replies with even a simple Hello they automatically find in the favor of the merchant. They do not look at the evidence or anything. They will always take the word of the merchant over their paying customers. Even with pages and pages of evidence. 
On XX/XX/2022 I purchased a {$2500.00} industrial sewing machine for my sewing business from XXXX XXXX. The owner XXXX sent me the wrong, lower-end model that he sells for hundreds less! I tried to work with him for several weeks to get this issue resolved but he refused to make it right. On XX/XX/2022 I called Discover and had a long conversation with an agent explaining the details of the purchase and interaction with the merchant before opening the dispute. I made this purchase through XXXX on my Discover card so I was unsure if I should work with Discover or XXXX for this issue. The agent convinced me Discover would stand behind me and help me, and because I believed her and opened this dispute with Discover and not XXXX, I lost my XXXX buyer protection. I have spent 2 Months on the phone almost daily with Discover trying to resolve this dispute. I have been so stressed out and in tears over what happened and how Discover has been handling this dispute case. I gave them every piece of evidence they recommended and even more proving I was not sent the right machine model. Photos of the box showing the model number with the tracking from XXXX and proof of signature with that tracking number, and Photos of the machine, packing materials, etc. You name it I gave it to them. Yet they still said they Need Proof the merchant owes me a refund. WHAT?? I gave you proof I did not get what I ordered from the merchant! Discover sided with the merchant even though he submitted ZERO evidence! Discover is letting the merchant walk away from this transaction knowing he scammed me.
Consumer complaint received 2023-03-13
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 (OH)

I have a debt consolidation company that has taken over all my credit card accounts including this one with Bank of America since XX/XX/XXXX. I have received numerous calls and threats by this company even though they have received numerous documents stating that this account is being handled by a debt consolidation company. 

As of XX/XX/XXXX I received a document in the mail stating that Bank of America has filed a judgement against me to have me appear in court on XXXX XXXX at XXXX. I have no way of paying for this at this time due to it being handled by a debt consolidation company. 

Please feel free to contact me if you have any further questions. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Transunion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Transunion has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Transunion credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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 checked again 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 items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX