davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that it is still reporting on TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Consumer complaint received 2022-09-22
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)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (AR)

From XX/XX/23 to today, XX/XX/23 they called me 17 times. They even called me after I paid my monthly payment, though it was late. I told them that this was harrassment when I finally answered their call. They informed me that they are allowed to call me that many times. They used 2 different numbers to call from XXXX and XXXX. The company 's name is Conns XXXX. I told them that I work from XXXX am to XXXX pm, but was informed that they can't guarantee that someone won't call me during those hours. I had told them on XX/XX/23 that I would make a payment online on XX/XX/23 once I received my paycheck. I am not normally allowed to deposit my paychecks until after XXXX pm on XXXX. They called me at XXXX am and then proceeded to call me 5 more times on XX/XX/23 alone, at XXXX am, XXXX am, XXXX pm, XXXX pm and XXXX pm. I posted my monthly payment before receiving their last call and was not 30 days late. Most of the calls took place while the owner of the company that I work for and my supervisor were present, which made for an embarrassing situation.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NC)

Barclays Bank is not only at a zero but it's several years past the statute of limitations to be collectable as we live in North Carolina. The reporting on this should have stopped years ago as the debt is no collectable and no payment was due.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I received a letter from Truist Bank dated XX/XX/XXXX that an account in my name that I did not create was closed because it was overdrawn. There was a balance due of {$53.00} on that account ( Number XXXX. ) I called on XX/XX/XXXX and talked with XXXX explaining that this was an identity theft situation. He said it would be moved to the Fraud Department and gave me case # XXXX in reference to my situation. He said the Fraud Department would reach out. 
Called on XX/XX/XXXX because I had not heard anything. I talked to XXXX of the fraud department who told me the case had not been picked up and that she would escalate the case. I should receive something in the mail the following week at the earliest. 

I received a letter dated XX/XX/XXXX with a settlement offer for the overdrawn account. 
No notation that I had reported this as a case of stolen identity. 

XX/XX/XXXX I called and asked for the fraud department. I talked with XXXX who seemed confused by the entire issue. We talked from XXXX. She eventually found the case number and said the account was closed and not to worry. XXXX seemed to focus on the idea that the account could no longer engage in transactions so, therefore, cause me no more harm. I explained that I am receiving collection letters on an account I did not set up and that is linked to my data. I do not think she is part of the " fraud department ''. She then told me to take my Truist card to a local branch if I wanted more closure and help with the situation. I told her I do not have a card because I did not set up the account. 

I do not know what else to do to resolve this issue.
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: EQUIFAX, INC. (CA)

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

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 insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-08-10
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. (TX)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have completed several disputes to XXXX, Transunion XXXX XXXX on XXXX XXXX and XXXX XXXX due to inaccuracies on my credit reports but they all failed to respond to my request. They didnt investigate nor send me any correspondence via mail.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch (RI)

XXXX, XXXX, Crown Asset Management and their debt collector XXXX XXXX are using threats of a lawsuit to attempt to collect a debt that is not owed. They are doing this in violation of the FDCPA. They know that they can not prove that I owe the debt in court, because it was the product of identity theft so they are using a threat of legal action in order to try to fraudulently collect on a debt that I do not owe. They should be fined under the FDCPA and now that President Biden has been sworn in, I would expect that the CFPB will start actually doing its job again which means bringing lawsuits against these rogue debt collectors that were allowed to flourish over the last four years. 

The XXXX credit card that they are trying to collect on was paid in full about four or five years ago. I actually took out a HELOC and consolidated credit card debt. The account ( along with a few others ) was reactivated and used by an identity thief. XXXX, XXXX, Crown Asset Management and XXXX XXXX have all been supplied with the police reports and the FTC reports. YET they continue to try to fraudulently collect on this debt in violation of the FDCPA. I understand that the former chair of XXXX was a close friend of the former President, XXXX XXXX, and that may be why CFPB never did anything about this before -- but now, we have a new President who is upholding the laws, so I would like the FDCPA enforced in this matter and in ALL accounts that XXXX if fraudulently trying to collect on.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One has ATMs located inside XXXX stores throughout the state. Since most bank branches near me have closed this is the most convenient option for depositing money into my account. On XX/XX/XXXX I went to ATM at XXXX  # XXXX located at XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, and made a deposit of {$2500.00}. 

During the deposit, the machine begin to malfunction and make loud beeping sounds, there was an alert that says money can not take please collect the bill but I was only given {$20.00} back. At this time my card was still in the machine so I waited at the machine until the beeping stopped and attempted to get my card and money back. After about XXXX mins the machine finally released my card with no money. When I tried to speak with the XXXX of XXXX I was told she has nothing to do with the machine and to call the number listed. 

When I reached out to XXXX I was left on hold for XXXX mins before the representative answered and hung up on me. I attempted to call back XXXX more times to be prompted by a busy signal. I then reached out to my bank to file a complaint and have been met with nothing but hassle. 

I filed a claim but have not been refunded my money back. I make deposits at the same time every month for bills and there should have been more XXXX especially since there was an issue with CAPITAL ONE 's ATM. I attempted to speak with a customer service representative and was laughed at and told there was nothing they can do to assist me. Someone needs to hold them accountable for not conducting proper maintenance on these machines
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (AK)

I bought a prepaid scarlet card from XXXX on XX/XX/2022 and loaded it with XXXX $ and then found it is important to activate and get the money out. It can not be used to buy anything transfer money anywhere or use an atm to get cash out
Consumer complaint received 2022-09-22
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. (NY)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-05-30
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. (TX)

I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review the details below : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken proactive measures to dispute these fraudulent items with both the credit reporting agencies and the concerned creditors. Regrettably, despite providing supporting documentation and evidence of the fraudulent activities, I have not received a satisfactory resolution. These items persist on my credit report, causing ongoing damage. I strongly believe that these fraudulent items are a result of identity theft, which deeply worries me in terms of its potential impact on my financial well-being. Enclosed are copies of the dispute letters I have sent to the credit bureaus, along with documentation substantiating the fraudulent nature of the contested items. Despite this compelling evidence, the credit bureaus have failed to conduct a proper investigation into my dispute and continue to report the fraudulent items on my credit report.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (AR)

in accordance with the Fair Credit Reporting act : XXXX XX/XX/XXXX XXXX Inquiry, XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA Fraud Inquiry XX/XX/XXXX XXXX XXXX XXXX Fraud XXXX XX/XX/XXXXXXXX XXXX XXXX FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX NA /FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXXXXXX FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXFRAUD INQUIRY XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXFRAUD INQUIRY XX/XX/XXXX, ARKANSAS XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FRAUD INQUIRY XXXX XX/XX/XXXX, ARKANSAS XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX FRAUD XXXX # XXXX XXXX FRAUD XXXX # XXXX XXXX XXXX FRAUD XXXX # XXXX XXXX XXXX/ FRAUD XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FRAUD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX  FRAUD INQUIRY : XX/XX/XXXX XXXXFRAUD INQUIRY : XX/XX/XXXX XXXX  FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX FINANCIAL/ FRAUD INQUIRY : XX/XX/XXXXXXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXXXXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX/FRAUD INQUIRY : XX/XX/XXXXXXXX XXXX FINANCIAL/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX ARKANSASXXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX FRAUD INQUIRY : XX/XX/XXXXXXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX BANK/ FRAUD INQUIRY : FRAUD INQUIRY : XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/ FRAUD INQUIRY/ XX/XX/XXXXXXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : ACCT # XXXX, XXXX XXXX FRAUD ACCT # XXXX XXXX / FRAUD ACCT # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am contacting you to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that these accounts and information listed below are not reported on my consumer report. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I urgently request that you remove these accounts and information from my consumer report without delay, as they are in direct violation of multiple laws. I expect immediate action to rectify this situation.
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # 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.
Consumer complaint received 2021-01-20
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: Experian Information Solutions Inc. (UT)

On XX/XX/2021, I tried disputing incorrect medical bills on my credit report. They removed all medical bills on my report except for one. I added new information and tried disputing the medical collection again because the collection company, XXXX. XXXX, XXXX, is refusing to provide an itemized bill in order to verify the amount the claim that I owe. Experian will not allow me to dispute this issue. The website claims that I have to submit new documents. I submitted new documents but it still will now allow me to dispute the medical bill.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be removed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-03-10
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: Experian Information Solutions Inc. (LA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation.

According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing peoples information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Consumer complaint received 2023-08-10
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. (MD)

I do not understand what is going on with XXXX. They reported a missed payment for XX/XX/2023 while I have made my payment and I have attached the receipt on here. From their own website ( XXXX ) as of XX/XX/2023 my balance was {$250.00}, I have attached a screenshot on here for review. I then paid {$250.00}, I have also attached the receipt here. Surprisingly, after that payment my balance went from {$250.00} to {$4.00} instead of {$0.00}. Nevertheless, I paid the {$4.00} and my balance shows XXXX XXXX XXXX  ). I do not understand why they reported a missed payment for XXXX while I have made my payment. Remove that missed payment. I have paid and I have uploaded the proof