davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I recently got a disclosure from XXXX XXXX And there are several email addresses using my information that doesn't belong to me nor have I heard or done any dealing with the companies also my criminal record is showing double the report plus showing the old cases as if active when the disposition states to be closed and over however by showing them agencies assume that these findings are current and active, back in 2020 I worked for XXXX XXXX XXXX XXXX in XXXX az XXXX XXXX XXXX And their system was hacked and information was compromised I'm currently trying to get my real estate license and these inaccuracies can and will stop me from pursuing my career which will cause me to be stuck iXXXX XXXX XXXX XXXX XXXX XXXX XXXX  from being forced into hardships joblessness homelessness and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX US DEPT ED XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$2300.00} ( Original Creditor : XXXX ) XXXX Balance : {$180.00} US DEPT XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {$17000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$9100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-12
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-07-09
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. (CA)

Multiple inquiries that did not result in an account were placed on my credit reports that were not mine. I asked that these items be removed immediately. I have sent letters to the credit report agencies and have gotten no response in return.
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (PA)

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 2023-07-24
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 erroneous 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 legalaction 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (DC)

XXXX XXXX XXXX died in XX/XX/2019. I need to verify the income received for XXXX XXXX in her personal capacity, as well as the Estate of XXXX XXXX. I can not do this without having those records from the bank.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-09-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I have been trying to use my Amex e-card gift card online for the past several months. I have talk to the customer service reps and used your web site to try to resolve this problem. Telling me to find a retailer who accepts this card was your advice. What a joke! No one takes it. XXXX, XXXX, XXXX XXXX, and many more declined it. I was issued this card as a refund from a warranty on a product. I would like a total refund of my XXXX plus dollars. This is down right theft as I can not use the e-card issued.
Consumer complaint received 2022-12-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX Account # XXXX I have tried repeatedly to state my case that I experienced financial hardship during COVID and that was only reason for my late payments. I was not granted forebearance as was required. In addition, I am specifically identifying that my account contains multiple errors that have negatively hurt my credit : multiple instances of 60 day late payments that were actually 30 days and all XXXX agencies specifying late payments that don't even match with each other. These are clear inaccuracies that I can articulate if I simply had the chance to discuss with someone instead of being messaged and dismissed. XXXX continues to give me the run around, continues to leave these inaccuracies, and I need protection! 

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 2023-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had an issue with Bank of America in XXXX to XXXX with the over draft fees, this one The other one they make me lose my home and sold at lost in XXXX I cant get back to my account to get details, cause I want to lawsuit them But of course they wont get me back to it
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

i was a victim of identity theft and these are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHED There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (ME)

Synchrony Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX asked XXXX credit reporting to delve into my XXXX credit file without asking my permission first. They said that they work together with XXXX to continually check my account with them which of course is illegal to do without my permission. They used it to illegally drop the amount i can borrow from their Lowes credit card by {$100.00}. I have never missed a payment with my Lowes credit card ever. So now because of what they did is a violation I want Synchrony Bank to pay me for the violation of privacy and violating my civil rights which would equal {$2000.00}.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: OPTUM BANK, INC. (NY)

In early XXXX, Optum Bank, the custodian for my Health Savings Account, advised that my debit card ( to expire in 2027 ) would need to be replaced by the end of XXXX with a card being sent to me. After the card didn't arrive, I established that Optum had a dated apartment number for me, in my current building. I updated the address online and requested another card be sent, which was to arrive in 7 to 10 business days. This began a sequence now involving 4 requests for resending of cards that did not arrive. Each time, I called and was told that the send was initiated, and each time, no card. Yesterday, on XXXX XXXX, I called and demanded that a card be expedited to me by an overnight service that would track the mailing. I was told that this time, it would be received within 3 to 5 business day, but that no tracking option was available. So I don't know whether it will arrive or not. 
My complaint is : Optum insisted on replacing a card that did not need replacing, it terminated the former card within an abrupt period of time, it repeatedly failed to get a replacement card to me, and it incompetently can not track its own expedited mailings. 
It is not a worthy financial institution to be administering Health Savings Accounts.
Consumer complaint received 2020-03-13
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. (FL)

Reviewed credit report in XX/XX/2019 and found a XXXXXXXX Credit Card was opened using my personal information. Contacted credit bureaus to remove information and was denied due to verification from creditor. No evidence of verification was produced. 
Contacted XXXX XXXX directly and they are refusing to close account and remove from credit reports. I have requested numerous times to produce evidence and no evidence has been given showing the account belongs to me. I filed a police report, a complaint with the FTC and complaint with IC3 and mailed all the complaints along with a letter and verification information ( License, social security card and current bill ) to both credit bureaus and creditor and the account still has not been removed.
Consumer complaint received 2018-05-01
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. (CA)

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Consumer complaint received 2022-12-09
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. (NJ)

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 names and # 's below, has violated my rights : XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account names and # 's above 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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, had violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2. Also states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

I used my debit card at a store for lunch. When I returned to work, something told me to check my account balance, once I checked it, I noticed 11 unauthorized transactions. I immediatly called my bank, they imformed me that I had to wait for the transactions to post to my account before they could start the dispute. The transactions are as followes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all within minutes apart. I received an email from Chime stating that no error occured and that they would not get my money back to me.
Consumer complaint received 2023-09-12
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. (TX)

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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (TN)

Mohela Dept of ED XX/XX/XXXX, {$2200.00} Mohela Dept of ED XX/XX/XXXX, {$2100.00} Mohela Dept of ED XX/XX/XXXX, {$5600.00} Mohela Dept of ED XX/XX/XXXX, {$3500.00} Mohela Dept of ED XX/XX/XXXX, {$2300.00} Mohela Dept of ED XX/XX/XXXX, {$4500.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-12-09
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. (AZ)

XXXX states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. EQUIFAX has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. 

I MAILED IN A WRITTEN DISPUTE LETTER DETAILING ACCOUNT NUMBERS, COMPANY NAMES AND REASON FOR DISPUTE AND HAVE NOT RECEIVED A RESPONSE REGARDING THE RESULTS OF THE INVESTIGATING RESULTS. THESE INACCURATE, INCOMPLETE, FRAUDULENT ACCOUNTS REMAIN ON MY CREDIT REPORT AND IT HAS BEEN MORE THAN 30 DAYS SINCE I SENT THE LETTER. INSTEAD THIS COMPANY HAS CLOSED MY COMPLAINT AND ASKED FOR SPECIFICS THAT HAVE ALREADY BEEN PROVIDED.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.