davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

While in XXXX, I trusted someone ( agent ) to take care of my property until I was released from XXXX, but believing I'd never get out, she betrayed my trust and committed fraud by using XXXX to transfer and embezzle all of my VA XXXX payments from my USAA Bank Account! A total of over {$25000.00}! She also used my credit cards, debit cards without my permission for her own bills and expenses. etc. She overdrew my accounts causing fees and closure! I was just XXXX of XXXX XXXX last week and released. However, I'm in deep debt, homeless, XXXX, and XXXX due to my bank fraud department allowing all my only source of income to be fraudulently stolen while I was in XXXX  and blaming ME! I wrote my bank letters about the suspected fraud since 2019, but was ignored. They don't care! And they advertise being a bank that cares & serves the nation 's veterans/heros! They have not. Please, HELP! : I have all my bank statements. I can't even afford a lawyer ... 

She thought I'd never get out of XXXX. and sent me a very nasty letter in XX/XX/2019, same month the fraud began! She said, " Nothing you can do about it since you're in XXXX! '' Bank statements prove she used XXXX to transfer in her name!
Consumer complaint received 2023-01-05
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)

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 2023-01-05
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. (FL)

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 XXXX XXXXXXXX, 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 2024-03-18
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. (NY)

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 2022-09-30
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT EDXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2900.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Consumer complaint received 2024-03-18
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, I am writing to complain about incorrect credit information which is appearing on my XXXX   credit report for a bank of america credit account. 

Bank of America on XX/XX/2020 reported my account as 30 days late to XXXX. This update flagged my account negatively and brought my score down by 45 points. 
I worked with bank of america to resolve the issue and have then correct it at their end ( I have a letter from Bank of America which confirms the correction ) .However the department within bank of america which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to XXXX. 

I also worked with XXXX to rectify this error by providing them supporting documentation from the bank but XXXX  needed additional confirmation from bank of america to remove deliquency and bank of america 's internal systems have not been appropiately synched and updated all the way through to reflect this error. 

I have been thrown in circles by both of these companies- XXXX and bank of america credit reporting department . Bank of america, on each call confirms that from their end the account is current and has never been late however bank of america 's credit reporting department which interacts drectly with the credit bureaus has been providing XXXX  information that account was 30 days past due in XX/XX/2020. 
This is a pure example of missing links in the process which bank of america uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify information with banks. 

I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me to move forward in my home buying process. 

I would like to request XXXX  to remove 30 day deliquency attached to my bank of america credit account and also appropiately update my score back. The day deliquency was posted, my score dropped by 45 points and I am hoping that it will be reverted. 

Looking forward to a resolve, I will be ahppy to provide any supporting documentation needed. 

Thanks
Consumer complaint received 2023-06-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Hello, After disputing account XXXX XXXX XXXX XXXX XXXX multiple times I filled complaints with CFPB for the account with XXXX, Equifax and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however, the account still has inconsistent information with all three bureaus which include, the high credit, credit limit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Received a Call from Midland Credit Management regarding a debt they purchased on me. Threatened me with wage garnishment telling me if I didn't pay them they would forwarded my file onto a local attorney in my area. They even said they would reduce my balance from {$2800.00} down to {$1800.00} and wants me to pay {$75.00} down payment and {$15.00} every 2 weeks payment.

Seems very sketchy and wouldn't let me off the call with them, when I did get off they told me that if they didn't hear back from me within 24hrs that they would proceed forwarded with a legal status towards me
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (GA)

I asked the 3 credit bureaus to lift my credit freeze for one day ( XX/XX/XXXX to XXXX XXXX ). XXXX XXXX and XXXX have notified that they have restored the credit freeze. Experian has not notified me. 
Experian assigned a confirmation number XXXX to my request. 
I want to learn whether Experian ever lifted my freeze and the date they restored the credit freeze.
Consumer complaint received 2022-12-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Paypal banned my account on XXXX XXXX, 2021, claiming violations of their policy, but after reaching out to them via XXXX, email, and phone, I have been met with no explanation of the clause or part of their policy that I violated or any details about my situation. My account has been mainly used for friends and family transactions, and I was informed via email that my balance would be held for 6 months, and then presumably released. However, on XXXX XXXX, 2021, my balance ( {$1000.00} ) was subtracted from my account under the excuse of " damages to the Acceptable Use Policy '' with yet again no explanation or details as to how it was violated. I have been unable to gain any information or assistance from their support team, and my money has effectively just been taken from me.
Consumer complaint received 2023-01-05
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. (PA)

I have been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b )
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (MD)

A checking account was opened online by an identity thief despite having frozen my account with credit agencies. When I called SunTrust, I was told they could not speak with me over the telephone. I needed to present myself to branch. Went to branch. Was assured by representative there that the account would be closed promptly, and they placed an additional password that was to be required for all transactions. Received blank checks 3 days later for the " closed '' account. When I called next day, was not able to speak to fraud department, was placed on hold for more than 10 minutes, and was told that account would be closed sometime ( no estimate given ). And no password was requested.
Consumer complaint received 2022-12-25
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. (TX)

XXXX XXXX a company that is being dissolved on XX/XX/2022, has no one in their offices that can handle any disputes because it is basically going out of business. My issues as it stands is, I had a defaulted student loan, which I have now rehabilitated and is now with a new servicers XXXX. The US Department of education has fixed or removed all bad reportings on my credit reports, except for XXXX XXXX my original servicers who told me that once I rehabilitated my defaulted student loan that the account would either be removed from all three Credit Bureaus or reflect a good standing, so that I would be eligible for applying for student loans again. When I applied for student loan financing through XXXX XXXX is how I discovered that XXXX XXXX still wasn't reflecting a good standing like the other Servicers. As of XXXX XXXX, of XXXX  they Removed the XXXX XXXX Account from XXXX, and XXXX, but they have not removed the account from Transunion. See Attached.
Consumer complaint received 2020-03-04
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. (PA)

I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.
Consumer complaint received 2020-03-04
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: LEXISNEXIS (PA)

I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

ach debits from my account not authorized XX/XX/ {$3000.00} XX/XX/ {$3500.00} XX/XX/ {$3500.00} XX/XX/ {$3500.00} XX/XX/ {$250.00} debit card XX/XX/ {$7500.00} software did not work wire transfer XX/XX/ {$15000.00} scam wire transfer XX/XX/ {$5200.00} scam wire transfer XX/XX/XXXX  {$4800.00} scam all this was reported the the bank but no action was taken
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (KY)

Good afternoon I'm XXXX XXXX, today at XXXX I was contacted by a XXXX user whose name is XXXX XXXX XXXX negotiate the purchase of my musical instrument whose fixed price is {$750.00}. He sent me {$750.00} receiving an email from XXXX telling me that the receiving limit was {$500.00} and to unlock the limit I would have to ask the buyer for an additional {$250.00}, he sent it to me. At that point a further email from XXXX tells me that to collect the {$750.00} I would have had to send the {$250.00} to the buyer : in the end the {$250.00} was withdrawn from my account but I never received the {$750.00} that was due to me and only later did I realize that the emails were from a fraudulent site that cloned XXXX... I asked my bank promptly to cancel the transaction, but they told me that I have to wait until the transaction is pending and then dispute the transaction warning me, however, that it will be difficult for me to get hold of my money. 
This user 's profile is still active ( XXXX XXXX ) and the email he used to collect money via XXXX is XXXX XXXX User : XXXX XXXX. 
I hope for your help especially for the fact that it is not right for these people to commit fraud against people and go unpunished! 
I am attaching the whole screenshot conversation that the scammer shared on XXXX with my wife.
Consumer complaint received 2020-12-28
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: EQUIFAX, INC. (MN)

I have filed multiple disputes with Equifax regarding this issue. Due to their phone service I have been unsuccessful in contacting anyone. 

This ongoing issue has caused me financial hardship and credit denial. 

Please see attachments with this complaint.
Consumer complaint received 2022-12-25
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: FIRST ADVANTAGE CORPORATION (FL)

A XXXX XXXX XXXX XXXX XXXX FL. shows up as a former address from XXXX through XXXX but I never lived there. I live at XXXX XXXX XXXX XXXX XXXX FL. From XXXX to present. Which is showing up incorrectly.
Consumer complaint received 2024-03-18
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 humdrum 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 bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-03-18
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. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AR)

dear consumer financial protection bureau so im submitted written complaint about im having delay problem issue with equifax credit report file so i order copy of my personal credit report file its just came in the mail on yesterday so the main issue im having with credit bureau agency they do not wan na give me access too my own personal credit report file so when i call customer services number XXXX so aslo i can provide address imformation where i mail my verify documents too equifax XXXX  XXXX XXXX ga XXXX zipcode so i sent them copy of my ssn number state id card photo and when i call customer services today they still saying they have not recieve verify documents yet so i have call them several times about this delay matter still has not been solve just yet so they aslo refuse to give my physical access to my equifax .com online account after i have allready verify my account several times
Consumer complaint received 2020-03-04
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was on my credit monitoring site and noticed a few fraudulent accounts that im going to put in this complaint. I had no knowledge of these accounts. i would like these accounts removed, they are affecting my credit score.
Consumer complaint received 2022-12-25
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: AES/PHEAA (TX)

Fedloan Servicing a company that is being dissolved on XX/XX/2022, has no one in their offices that can handle any disputes because it is basically going out of business. My issues as it stands is, I had a defaulted student loan, which I have now rehabilitated and is now with a new servicers XXXX. The US Department of education has fixed or removed all bad reportings on my credit reports, except for Fedloan Servicing my original servicers who told me that once I rehabilitated my defaulted student loan that the account would either be removed from all three Credit Bureaus or reflect a good standing, so that I would be eligible for applying for student loans again. When I applied for student loan financing through XXXX XXXX is how I discovered that Fedloan Servicing still wasn't reflecting a good standing like the other Servicers. As of XXXX XXXX, of XXXX  they Removed the Fedloan Servicing Account from XXXX, and XXXX, but they have not removed the account from XXXX. See Attached.
Consumer complaint received 2022-12-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT