davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
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. (NV)

I have made several attempts to remove unauthorized inquiries from my TransUnion Credit report. They had several different name profiles on my credit report that do not belong to me. I have called several times to have these removed. With previous fraud alerts on my credit report, they are still refusing to remove my inquiries. The Following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX a transaction came out of my account for the amount of {$950.00} and the description said USPS XXXX XXXX. I immediately contacted Bank of America and reported Fraud and closed the check card used. The bank issued a temporary credit and told me they would start the Fraud claim process. They said people can make copies of you check card and get the pin number with machines at gas stations, etc. I received a notice from Bank of America stating the claim had been resolved and they are stating I made the purchase. I immediately called and asked them to reinvestigate as I did not make the purchase. I asked if they pulled the surveillance tape and they stated they can not do that. The only reason given for denying the claim was because I made a purchase the same day at XXXX XXXX ( the cafeteria in the building I work it ) the same day and since that was also in XXXX, VA I must have made the purchase at the XXXX XXXX. The guy I spoke with that day said he would update my file with this new information that I work at XXXX XXXX in XXXX, VA and they would investigate further. He said I would get a call from the investigator. That call never came and on XX/XX/XXXX they took the temporary credit out of my account causing overdrafts and closed the claim. I contacted them again and gave them the Police Report number ( XXXX County # XXXX ) ( XXXX XXXX # XXXX ) and also advised them that I file a fraud investigation with the XXXX Inspector. I explained that I am a single mom with XXXX kids I support on my own and that they took more than half my paycheck. They told me they would not have a decision regarding reopening the claim until XX/XX/XXXX. That is my next payday. I have no funds at this time and I did not make the purchase. I asked for another temporary credit and they refused. I explained that I live in XXXX, VA and drive an hour to work each day. That I pass 4 post offices on the way and that to go to the XXXX XXXX XXXX location I would be going another 30 minutes out of my way in the wrong direction. I also stated I eat at the XXXX daily and work XXXX to XXXX Monday through Friday and asked when the purchase was made ( they could not give me a time ) because I could provide my timesheets showing when I am at work. I also pointed out that on my bank statements you can see the XXXX XXXX I get gas from proving I live an hour away from XXXX. It is now XX/XX/XXXX and I still have not received any credit for the {$950.00} or the overdraft fees incurred due to them denying this claim under what I believe was a very minimum investigation. How can they even claim I made a purchase without pulling the surveillance and seeing FOR POSITIVE if it was in fact me in the post office that day. I need my money back. I do not have this kind of money to just lose and I do not think they have tried at all to help me.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I saw charges on my account that were not authorized - when I contact company they refused to show proof or even explain the unauthorized charges by them - they marked my payment as late and it was n't even due yet. I closed my account on XX/XX/2017 and they are still showing it open and showing late payment on my credit card when the card has been paid in full and closed on XX/XX/2017.
Consumer complaint received 2024-03-10
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. (IN)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2022-05-25
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: CITIBANK, N.A. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2017-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (UT)

In mid XX/XX/XXXX, I was contacted by this company about an outstanding balance from XXXX. This company stated my name, but gave an address that I havent previously lived at before. I filed a complaint with the BBB, explaining that I had not made the purchase, and asked for evidence. The company stopped contacting me, until today, XX/XX/XXXX. I once again stated that I had not made the purchase. The agent stated the same address that I had never lived at.
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, 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 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX, my private student loan servicer, has presented one problem after another since the beginning of our financial relationship approximately fifteen years ago. Most recently, and most problematic, ( after many hours spent on hold trying to reach someone ) I had a conversation with a XXXX representative on XX/XX/XXXX and again on XX/XX/XXXX at which time an agreement was made to remove all prior late payments reported to the credit agencies as it was the major factor in my troubles attaining a mortgage. I asked to receive this information via mail since I'd experienced so many problems with them in the past. No letter was ever received and the stated information has not been removed from my credit report. In frustration, I then disputed the account information with the credit bureaus ( XXXX, TransUnion, and XXXX ). XXXX responded with a denial after 25+ hours on the phone and multiple assurances the information would be amended. 
At this point, I am beyond upset with the service I have received from them over the years. The above is one example of multiple inaccuracies I have encountered with them over the years. When I call to check in on the process, I'm told no record of such phone calls even exist. They have been the cause of many tears and setbacks in my life and I feel I have nowhere else to turn.
Consumer complaint received 2023-02-06
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. (CA)

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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Good day! I am XXXX XXXX and I have been sending letters to report accounts on my credit report that are inaccurate. Also the inquiries that I am not aware of is giving me a hard time. I have been sending letters to verify these and I received no response but yet it is still in my credit report and it is hurting my score.
Consumer complaint received 2017-11-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

In XXXX of XXXX I returned Toyota Camry for end of lease. Prior to lease i had an inspection which determined tail light crack and damage to tire. i had both of these replaced prior to return. In early XXXX toyota billed me for damages to car. i called, submitted my proofs and was told this matter was resolved and had assumed it was. now almost two years later Toyota submitted my account to a collection agency XXXX XXXX, XXXX. This matter was resolved almost two years ago and i consider this harassing.. it is very apparent that they prey on consumers after they expect their records to be long gone. the collection agency has no fax and does not provide a prepaid postage to respond. another harrassing feature.
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (DC)

For my Binane.US account, the account has been locked and there is no ability to transfer either fiat or virtual currency out of the account. I have made numerous attempts to resolve issue with company over the past XXXX weeks. No company response or action to resolve.
Consumer complaint received 2024-03-10
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. (TX)

Transunion, XXXX and XXXX are reporting transaction history for many of my account and per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (FL)

I contacted the XXXX XXXX through TD Bank finance explaining that there was a transaction made on my XXXX XXXX credit card account that is fraudulent and I have yet to receive the affidavit.
Consumer complaint received 2021-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (TX)

I now have an attorney looking into a debt collection on my credit report. I was notified by my attorney and the Texas  Secretary of State that Persolve Legal Group does not have the legal right to collect a debt or charge a finance charge in the state of Texas. I noticed Persovle Legal Group has been reporting negatively on my credit report. I do not have a contract with you. I also, found out I have a lawsuit against me. Again Persolve Legal Group does not have a legal right to file a lawsuit in the state of Texas for debt collection. I do have documentation that Persolve Legal Group did not have a bond to legally collect a debt during the time you bought the debt, filed it on my credit reports, and filed a lawsuit.
Consumer complaint received 2019-11-23
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: Experian Information Solutions Inc. (IN)

Somebody has my information and has used it to open several accounts in my name and inquiries in an attempt to open more accounts. I have not given anyone my permission to use my information and all of these accounts are fraudulent. I have provided the credit bureaus and the creditors a copy of my Police Report iD and social security card to verify my Identity. The credit Bureaus still continue to report these fraudulent accounts. XXXX acc # XXXX was opened XXXX XXXX for {$11000.00}. Two accounts with XXXX XXXX opened XX/XX/XXXX and XX/XX/XXXX acc #  XXXX for {$3000.00}. & # XXXX for {$99.00}. XXXX XXXX XXXX XXXX # XXXX opened XX/XX/XXXX for {$920.00}. Two accounts with XXXX XXXX which is a collection company for XXXX XXXX XXXX acc # XXXX opened XX/XX/XXXX for {$1000.00}. & # XXXXopened XX/XX/XXXX for {$660.00}. XXXX XXXX a collection company for XXXX XXXX XXXX XXXX XXXX  acc # XXXX opened XX/XX/XXXX for {$41.00}. There are also a number of inquiries that were made two to XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX
Consumer complaint received 2017-11-07
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. (TX)

Since XXXX of XXXX I have persistently been in disputes with XXXX, XXXX and Equifax along with XXXX collection agency in regards to reporting an invalidated account.Every month since initial contact in XXXX all three credit bureaus states that " they '' have verified the debt. This is impossible! Reason being is that I have sent certified letters to XXXX to fully comply with a validation of debt in the amount of {$1400.00} and also just because this account is damaging my credit file, I have requested twice by letter for a settlement. Till this day, XXXX has ignored all my letters and only respond by telling me that they purchase this account following by billing statements dated from XXXX XXXX, XXXX with balance of {$3300.00} to XXXX XXXX, XXXX with a balance of {$4200.00}. This week I have sent all three credit bureaus an online dispute for immediate removal due to the fact that Portfolio is in violation of the Fair Debt Collection Practices and that they have FAILED to submit specific supporting documents as requested by consumer such as ; signed contract, payment history, proof of purchase from original creditor, etc. Secondly, it is absolutely unfair for XXXX and the credit bureaus to continue to report this collection after numerous attempts to settle have been made and the request for validation has not been validated! Either agree to settle Or STOP REPORTING!! It is so obvious that XXXX will not and can not validate this debt lawfully so the credit bureaus must delete immediately! Additionally, if the last billing statement balance is {$4000.00}, then how and why are you reporting {$1400.00}? Where 's the payment history? Where did this amount come from? Again, how did the credit bureaus validate this amount? Answer is, the credit bureaus did NOT investigate properly and reporting illegally. Enclose I am attaching all letters sent to XXXX and the letter and billing statements they sent me. Please accept this as burden of proof that I have done all that I know to do in efforts to resolve this matter as it has crucially affected my ability to show creditworthiness to other potential creditors and has exhausted me physically and mentally.
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I refer to your last statement, dated XX/XX/2021, in which you declined my complaint and duplicated Coinbase 's position. On XX/XX/2021 from XXXX to XXXX XXXX I was the victim of a hacker attack whose software somehow infiltrated my device ( laptop ) while using Coinbase services and when I logged into my Coinbase account, my cryptocurrency funds first tried to transfer in full amount ( equivalent to about XXXX USD ) in the form of BTC, Dogecoin and Cardano cryptocurrencies. After Coinbase withdrew this transfer ( apparently because of the transfer limit ), the funds started transferring XXXX USD each for half an hour until I had no funds left in my account. In addition, hackers transferred about XXXX USD of credit funds that Coinbase provides to customers, and Coinbase demanded I return them, after that Coinbase simply blocked my account. I find this situation egregious especially in terms of Coinbase 's response to my claims. Back on XX/XX/XXXX, Coinbase itself admitted that someone logged into my account from a third-party IP address on XX/XX/XXXX, thus essentially admitting its guilt. However, Coinbase obviously refuses to take responsibility for it. I demand the recovery of funds stolen from me. The two-factor verification was not requested during the transfers to verify them because the funds were transferred from my device or for some other reason. I did not provide a password or access to the hackers. I still have evidence on my device.
Consumer complaint received 2024-03-10
Product: Credit reporting 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. (FL)

I pulled a copy of my credit report and noticed a fraudulent account. 



XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX  | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX  | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX. | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX  | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

I received notice from my credit reporting XXXX that I had a collection account with Southwest Credit Systems. I never received a call nor a letter regarding XXXX or anyone else from this collection agency. XXXX was already disputed years ago and now this is showing on my report out of nowhere. XXXX is also or must be selling accounts to these people knowing it was determined that I do not owe them.