davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-09-20
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Bank of America - VISA A BoA customer used his VISA card to purchase online services from me. 
He subscribed to 6 Fast Feed Accounts ( valued at XXXX USD per account ). Customer therefore had 6 active subscriptions starting from XXXX XX/XX/2023 until XXXX XX/XX/2023. 

Customer then contacted his bank and filed a 10.4 complaint, saying that he didnt make these purchases himself. BoA filed a dispute using the XXXX XXXX with my merchant XXXX. This system is completely inadequate and as such, I was unable to provide " compelling evidence '' to BoA as this requires the upload of the chat transcript I had with the customer. 

I have such compelling evidence as customer, who identified himself previously in XXXX chat, provided his email address ( which he uses to make online payment for the last 5 years according to XXXX XXXX XXXX ). 

I called BOA and attempted to contact XXXX XXXX, the agent that is supposedly handling these 4 dispute-cases against my company to no avail. The number she left in the dispute section leads to BOA, however, they refuse to redirect my call to XXXX XXXX. I explained what had transpired to an agent, and she told me that the only way for me to update the case is through their online system, which I no longer can access as my section of evidence provisioning is closed. There is as such, no further way to reach BoA to provide compelling evidence and as such, I am standing to lose XXXX USD, simply because BoA 's inept evidence provisioning system or the inability for such a bank to provide direct dial through ways to get in contact with a human to explain and provide evidence. 

As such, BoA is an accessory to commit fraud because it is impossible to update these types of cases with sufficient evidence without the ability to upload and foremost UPDATE cases.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (SC)

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. 


XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX Account # : 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 1681 C ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information Any 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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC. (TX)

The XXXX account was opened on XX/XX/2022 with the XXXX promotion code ( {$300.00} bonus ). I met the deposit requirement on XXXX but the bonus never appears. I was told by customer representative about the XXXX day waiting period. However, the account is closed now without any notice, and it is obvious that no bonus will be posted to a closed account. I would like to reinstate the account and get the bonus as advertised.
Consumer complaint received 2022-11-29
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. (SC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of this account. Block and remove it. 
XXXX XXXX XXXX
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (CA)

I sent a letter out XX/XX/2022 to Experian, XXXX and XXXX. However it's been more than 30 days and the credit bureaus failed to send my investigation back. I don't know what's going on. 

According to the law 15 U.S. Code 1681i -Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also I am a natural person. living breathing with blood flowing through my veins. I'm writing this myself and not by some company or other entity. I DEMAND ITEMS BE REMOVED IMMEDIATELY AS WELL AS NAMES AND ADDRESSES BE CORRECTED. I AM A VICTIM OF AGGRAVATED IDENTITY THEFT
Consumer complaint received 2022-12-22
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX late open Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-12-22
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: Merchants Adjustment Service, Inc. (GA)

there is a company by the name of XXXX XXXX stating i owe then for account that i never had that was XXXX XXXX amount XXXX XXXX XXXX  XXXX XX/XX/XXXX another account that is fraud XXXX XXXX  XX/XX/XXXX amount is XXXX and XXXX XXXX XX/XX/XXXX amount XXXX
Consumer complaint received 2023-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (AZ)

Between XX/XX/2019 and XX/XX/2019, I fell victim to two multi-layered scam operations run by XXXX. XXXX XXXX and XXXX XXXX limited which involved me making deposits for a total amount of EUR XXXX from my Crypto.com account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet XXXX of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a XXXX XXXX of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me XXXX with the unsettling reality of a violated identity. Yet, in the midst of XXXX  a glimmer of XXXX emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2018-10-12
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. (NY)

Between XX/XX/2018 and XX/XX/2018 your THE XXXX XXXX XXXX XXXX credit cardappears to have been close in my credit score i have never opened this account neither have i closed it.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has reported 4 late payment on my account in XX/XX/2016 and I never had a late payment with company this information is being reported wrong on my credit report file
Consumer complaint received 2022-12-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TD BANK US HOLDING COMPANY (TX)

In XXXX I left my home and began a XXXX. I didnt receive a letter sent to me from XXXX XXXX about my debt with TD Bank . I thought I had a payment plan with XXXX XXXX. On XX/XX/XXXX, XXXX froze my account and took my childs savings which is all we had. I am now on food stamps. I cant afford the payment plan they gave me on XXXX and they wouldnt work with me. I need help. I am going to have to close my checking accounts because I have other bills.
Consumer complaint received 2023-05-26
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: LEXISNEXIS (TX)

I've been trying to get my information updated and correct as far a my address is concerned and in getting nowhere with these companies. I'm enclosing my identification and social so that this information be accurate and up to date on all of my consumer reports. The only address that's valid up to date, and accurate is the address in my drivers license. None others are mine or have belonged to methat should be on any consider report is the address on my drivers license. The other address pictures below should be removed as well as any other addresses on my record. They do not and have not belonged to me
Consumer complaint received 2015-07-22
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ROC Asset Solutions, LLC (WA)

I received a call stating I owe this debt and it was in collections. I have never received notification by mail of this collection nor is it listed on my credit report. The particular company they mentioned I paid off on time and am in good standing since 2014 in which I have not done business with them or have not contacted them, and they have NOT contacted me. At this time I have no collections pending. I asked for a debt validation notice via mail, and they sent an email from their company. They also contacted my place of employment and threatened the person who answered. They also contacted my mother threatening to sue her as she was a reference in which I have never used my mother as a reference on any credit matters. I have received numerous voicemails and threats from this company for a debt that I do not owe.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not XXXX and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2015-04-01
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Mobiloans, LLC (CT)

I recently received a statement from a collection company ( XXXX XXXX XXXX ), attempting to collect on an {$800.00} outstanding loan, on behalf of a company called " Mobiloans ''. Knowing that I have never applied, nor received any funds from such company, I called Account Discovery System and spoke with account manager " XXXX XXXX '' to discuss the matter. After discussing with him the details of the situation and letting him know that I have never established any lending relationship with " Mobiloans '' ; finding it extremely suspicious that I have never even received any statements or attempts from the company itself, trying to collect on the " supposed loan '' and that it was sent straight to collections. Without any regards to me discussing this " non-existing '' loan, he attempted to try to settle this {$800.00} balance, for {$500.00} if I 'd pay right away. At this point I was not even aware for whom this collections company was trying to collect ; therefore I asked him for the name and details of the company, so I can attempt to gather all the facts. He provided the company name " Mobiloans '' with the corresponding account number and contact number. After speaking to a " Mobiloan '' representative about the situation, she was " NOT '' able to find any account information relating to any loan taken under my name, social security number, telephone, address ; stating very clearly that " Mobiloans '' has " never '' established any accounts with me. The representative that helped me, was the very same one that suggested and directed me on where and how to place a fraud complaint. " XXXX XXXX XXXX '' is ignoring what I have stated, insisting on " settling '' this " non-existing '' loan for a lower amount.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2022-12-21
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. (TN)

Experian is in violation under15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ),
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

Submitted XXXX XXXXXXXX XXXX XXXX Payment on time and got a BOGUS Late Charge of {$32.00} when the payment was in fact on time. I have since CANCELLED the card due to BAD overall Credit Terms/Rates.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. XXXX by this XXXX  I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I urgently request the removal of this XXXX late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue XXXX and XXXX. I ask that you promptly rectify this mistake by updating my account.