davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

A charge for the amount of XXXX was place on my credit card for a service for a company I do not know. I contacted the credit card company ( bank of america ) and filed a fraud complaint. I then contacted the company who placed the charge to get more info. the informed me that the account that was created was for a XXXX, who I do not know. they stated that they did not know how the charge was placed on my card. and issued a refund. I cald bank of america back and advised what had happened. fast forward to today. bank of america billed me for the charge anyway and will not post credit untill I make a minimum payment. the only charge on this card was the fraud charge. I was told by Bank of America this is federal law and the do not have to abid by Ohio state laws.
Consumer complaint received 2023-07-20
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-03-10
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. (MO)

I am a member of XXXXXXXX XXXX XXXX  XXXX XXXX. A few weeks ago I noticed an inquiry on my account that I did not authorize. I contacted XXXX and they removed it. Two days ago I got an alert that my credit score had dropped XXXX points and there were several more inquiries on my account that I did not authorize. I froze my account with XXXX, Transunion and XXXX. I called each company and disputed these inquiries. These inquiries are : Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-03-10
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. (MO)

I am a member of XXXXXXXX XXXX XXXX XXXXXXXX XXXX. A few weeks ago I noticed an inquiry on my account that I did not authorize. I contacted XXXX and they removed it. Two days ago I got an alert that my credit score had dropped XXXX points and there were several more inquiries on my account that I did not authorize. I froze my account with XXXX, Transunion and XXXX. I called each company and disputed these inquiries. These inquiries are : Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-02-28
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. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-01
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. (OK)

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 COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2023-07-20
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. (KY)

XXXX XXXX XXXX XXXX Violations of my rights as a furnisher. 
Collection agency reported the debt with an incorrect date of last activity on your credit reports. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. I will use all the CFPB for evidence in legal matters. Removed from all consumer reporting agencies and monetary relief. Violations 15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

First Acct # XXXX Date of last active TransUnion has XX/XX/2025, XXXX has XX/XX/2025 and XXXX has XX/XX/2025. 

Second Acct # XXXX date of last active as TransUnion has XX/XX/2025, XXXX has XX/XX/2025, and XXXX has XX/XX/2025.
Consumer complaint received 2023-07-20
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)

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 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 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 2023-07-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Ive been attempting to pay/settle with this company and they refuse to allow me to pay or anything and wont even give an offer or anything. Ive tried to call in several times and get this run around for XXXX0-20 mins every time for them to say wait another 2 weeks this has been going on for months. Since they wont allow me to pay to take it off my credit report or settle Ive tried disputing this all together and they keep blocking my dispute but not resolving anything with me. I want this off my credit report as at this point its fraud and hurting me. You cant hold someones credit XXXX with no solution. Please help I believe Im being discriminated against
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Bank 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 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 2023-07-20
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)

We sold our home and paid the full amount of the mortgage to XXXXXXXXXXXX XXXX XXXX {$120000.00} on XX/XX/23 via wire transfer from the closing attorney. It has been over 30 days and the account is still being reported actively open and late. I called XXXX on XX/XX/23 and advised them that they legally have to report my credit accurately every 30 days, but was advised by their loan servicing department that they will report my account paid in full at 60 days after the loan was paid off in full from XX/XX/23.
Consumer complaint received 2023-07-20
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. (AL)

In accordance with the Fair Credt Reporting act XXXX account number # # # # # XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, has violated my rights to privacy which is lawfully illegal. 

FEDERAL STATUTE CODE 15 U.S.C 1681 section 602 A States that I have the right to privacy and by reporting my personal information to anyone or any bureau without me consent puts my life in danger and violates FEDERAL LAW!

FEDERAL LAW 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without the consumer written instructions/consent! I never consented to such illegal activity being forced upon me! 

Since this debt is disputed pursuant to the Fair Debt Collection Practices, You are required to cease all collection of these alleged debts which INCLUDES, reporting to my consumer report and approving any CRA to do the same. 

Thereby inform you that you do not have my consent to communicate with n. through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft and is a safety risk to my family. I also DID NOT consent to you to report or furnish any information in my name to the any credit agency.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 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 2024-02-28
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. (NC)

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 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 2022-07-07
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 (AL)

I received a notification on the XXXX around XXXX PM that someone head looked up my Bank of America user ID and changed my password. My phone was misplaced/stolen on the XXXX of XXXX and I believe they used apps/information to hack and drain my bank accounts, they started transferring money from my main checking account ( ending in XXXX to my other checking account ending in XXXX ) taking out large sums of money/ completely draining my accounts in the total of {$17000.00}. They were made to a company called XXXX XXXX which I had used previously however NEVER made a transaction over $ XXXX. The XXXX XXXX XXXXBOA App, etc were all on my phone. They used XXXX XXXX to send my money to some crypto wallet depleting my account of funds within a couple of hours of password change. I let BOA know as soon as I was made aware and I was told that she could tell someone had stolen my identity and made these transactions fraudulently. These charges that were made from XXXX to XXXX. These charges were very alarming because they were all in LARGE sums of money.= thousands of dollars in each transaction and completely drained my main checking to transfer into an account they were able to make transactions/withdrawals out of. The account they transferred money over to ( was hardly ever used prior ) and the debit card was saved to stolen phone. I have attached claim details along ( however if BOA can update me that someone looked up my user ID and password and then changed password they NEVER should have allowed transactions to go through ), along with message to original company that refused to refund transactions. In fact they replaced to my email update regarding fraudulent activity stating they had never confirmed my identity verification and my drivers license required to withdraw these funds... and that is because I NEVER GAVE CONSENT not did i authorize these transactions. I was told by BOA that they would research claim and was later denied claim/closed out.
Consumer complaint received 2023-07-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 : XXXX 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 instruction.

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 2024-02-28
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. (WA)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX {$0.00} - Charge off Amount {$4800.00} 1099C received- NO Experian - Charged off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX? 
XXXX - Charged off XX/XX/XXXX Sold to Collections XXXX XXXX XXXX- Balance {$2900.00} Charge off {$22000.00} 1099C received- NO The car was stolen in XXXX of XXXX. My insurance paid and my XXXX insurance paid. This should NOT BE a charge off. The account was paid in full. They show the account being charged off in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX Balance {$380.00} Charge off Amt {$380.00} 1099C received -NO Experian - Charged off XX/XX/XXXX XXXX - Charged XXXX XX/XX/XXXX XXXX  XXXX Balance {$2500.00} Charge off Amount {$2500.00} XXXX received-NO Experian - Charged off XX/XX/XXXX XXXX - Charged off XX/XX/XXXX
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act : Collection : ( XXXX XXXX XXXX ), has violated several of my rights 15 U.S.C 1881 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FORD MOTOR CREDIT CO. (WI)

lincoln fs threaten me says im in boiling hot water, this could mean something, and other words they say. they did not give me credit for my payment. im not doing very well, i was XXXX  also there collection department kept calling all day long after XXXX XXXX mon thru friday. my state rights where violated. lincoln will defend there people, i would not say this if its not true. also im not a liar.