davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On Thursday XXXX the XXXX I was contacted by XXXX skate company via message informing me that I was selected for a raffle to buy a pair of shoes, they informed me that It was a pickup in store raffle however, I am located in XXXX and the store is located in XXXX. So I proceeded to ask if there was a shipping option and they asked if I had XXXX and I told them yes. I was then told to send to XXXX to XXXX so I did exactly that. They also told me it was an opportunity to get another pair and not knowing it was a scam, I agreed. This amount was also for XXXX, I then went to a popular app ( discord ) to let people thats in the group know my success and I was informed that this company was know for scamming. I proceeded to search this company to make sure it wasnt and I discovered this company was a complete scam and that this isnt their first time. I then contacted my bank ( Bank of American ) letting them know I was scammed. I was then told by BOA that the case was reported and a employee told me I should receive some more information on my claim within a week but it could take up to 90 days for a full resolution. Fast forward two weeks and I still have yet to receive any info so I called them again and they told me my case was still in progress and after like a day or two ( XXXX ) I get a paper in the mails from BOA telling me my claim couldnt be resolved but they will try to get in contact with the other bank. Fast forward to XX/XX/XXXX I received another paper from BOA telling me they were unable to approve my claim so if there anyway I am able to get this money back that would be amazing. 
( THIS STATEMENT WILL BE FORWARDED TO MULTIPLE BANK RESOLUTION INSTITUTIONS )
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2023, I was the victime of a XXXX scam and lost {$1500.00}. This person used a stolen/hacked XXXX account to advertise XXXX XXXX concert tickets for sale for the XX/XX/2023 event in XXXX, Ohio. The " seller '' was posing as XXXX XXXX XXXX. I later contacted another person with the same name on XXXX and she confirmed that her account had been hacked two years ago. 
I contacted the " seller '' via XXXXXXXX XXXX in order to purchase XXXX tickets. They asked for payment upfront via XXXX in exchange for all of the tickets being transferred to me via XXXX. I sent two payments directly from my checking account via XXXX - one for {$1000.00} and a second for {$500.00} - vas instructed. The payments were received. After confirmation that payment was received, this person disappeared from my messages, leaving me unable to contact them or view their " profile '' on XXXX. I never received the concert tickets. 
The first transaction was to XXXX XXXX or XXXX XXXX in the amount of {$1000.00} via XXXX and sent to email address : XXXX The second transaction was to XXXX XXXX in the amount of {$500.00} via XXXX and sent to email address : XXXX I contacted my bank, Huntington, about recovering the funds but they would not do anything to help me. I have also filed a police report but nothing has been done.
Consumer complaint received 2021-10-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There are 16 hard inquiries from the months of XXXX thru XXXX that were a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2x ) XXXX XXXX ( 2x ) XXXX XXXX ( 2x ) XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( 2x ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US SM BUS ADMIN ODA Those companies listed above have placed the hard inquiries on my report as well as Bank of America and XXXX XXXX reporting accounts that do not belong to me XXXX I want them removed immediately
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX 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 corrected : XXXX XXXX XXXX Balance {$48000.00} ; XXXX XXXX XXXX XXXX Balance {$18000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$9400.00}
Consumer complaint received 2021-10-05
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: Santander Consumer USA Holdings Inc. (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2020-11-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC (NJ)

First I was not told that it was a debt collector attempting to collect a debt on three occasions on the call. I was not mini Miranda. I was not told that the call may be recorded and may be monitored at onset violating my rights, in fact on the call from today I had to ask him are the calls being recorded and he said yes and I said why wasnt I told before we started talking and he said I was going to do that. Ive spoken to a woman about two weeks ago who I asked for documentation of what the debt was what it was for when it was delivered, where I made purchase, when, etc. I needed to know about my debtwas from 2014. Yesterday I got a call from a gentleman who is rude and pretty much accused me that the letter was sent and now this have to be resolved I told him I have not received the letter he belittled me and wanted and kept trying to close still no Marandas no asking me to verify something and was upset when I asked for a manager. I received no return call so I called them today since I did get the letter. The man said he was going to call me today. He asked if I was ( name incorrectI asked several times giving me my address. I said that isnt my namehe said if my name changed it doesnt matter ). now if it was not me he wouldve been giving out my personal information to a third-party these are all violations of the FDCPA now I got the letter it was a letter of representation and an offer to settle it did not provide me with the what the purchase was when was it delivered who was it too I mean I have no idea of what this is and now a different name??? OK well the gentleman today I said to him I was supposed to get a callback from a manager. I dont even know if the guy yesterday did try to get a manager he said my manager is busy Ill have him call you back he did not these people are using deceptive practices they are not advising correctly as far as the attempt to collect the debt mini Miranda and since I did ask for documentation and proof or validity of the debtThey refused they said the letter I got was all I needed thats not what I needed thats not what I asked for and today I told him if he cant acknowledge my rights I dont want them calling again and if they do I am taking this all the way up to the attorney general and getting a class action lawsuit I am a senior citizen and I expected a bit more concern and accommodation of my request for assistance. They were rude they were belittling they refused any assistance they raised their voice and they made me feel like some fifth class citizen you know Im getting old I need help sometimes in remembering this was from 2014 they took advantage of me theres no question about that. This was blatant deceptive violation FDCPA violations
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-06
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. (NJ)

Re : Disputing errors on credit report To whom it may concern : I am writing to request a correction of the following information that appears on my credit report as of today XX/XX/2023. This information is fraudulent, and I did not make nor authorize for my credit to be assessed. I am the victim of identity theft and do not recognize these accounts. I am requesting that my report be updated immediately to reflect removal of the following accounts and inquiries : 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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

After careful review of this account, I noticed multiple instances, where 99 % of the information reported by the credit bureasu are not accurate and they insist on confirming and validating the creditors inaccuracies. The high balance is being reported inaccurately with 3 different amounts. Only one credit bureaus ( XXXX ) is reporting that it has actually verified the account. Date of Last activity, date reported, date opened, balance owed, creditor type, account status, payment status, are all reporting different information. None of the agencies match on any of the data they are reporting against this account. 

On XXXXXXXX XXXX  and XX/XX/2022, I submitted a dispute via the online portal with all 3 Major Credit bureaus regarding XXXX XXXX. Each result came back " verified as accurate '' by both the Creditor and the Credit Bureaus.
Consumer complaint received 2021-03-23
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: AMERICAN EXPRESS COMPANY (MA)

I sent a dispute to XXXX, XXXX, XXXX, which they stated was verified. 

I sent validation letter to original creditor American express. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. 

All correspondence have been attached.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I received the letter from them telling me that my whole identity has been compromised from fraud that they had a Cyber attack my social security number my name my address is phone number I got this letter and nothing was ever done that was a whole lawsuit with the three credit bureau companies that run credit checks and backgrounds under your name Equifax XXXX in the other one I can't remember the names quite often but all three of these companies sent me a letter saying fraud a Cyber attack I even got one from XXXX XXXX I also got one from XXXX did the apartment of social services and I believe I got one from one more company but I have to look for these letters now is lawsuits and I'm going to do another credit check to make sure nothing else is in my name I've seen of loan I never applied for and I seen some other things this needs to be taken care of and fixed and I need damages they owe me money it's not fair
Consumer complaint received 2024-02-27
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. (FL)

I contacted XXXX and Experian months ago about being a victim of identity theft. I found out months ago about collection accounts in my named. I did not authorize or approve anyone to open any accounts in my name. I was advised by a customer service representative from both bureaus to get a police report for removal. I provided my approved police report with supporting documents and my ID immediately to both credit bureaus. XXXX added more collections to my credit file, dropped my scores and refused to delete or block all fraudulent accounts. Experian is refusing to block all fraudulent accounts or delete. I provided everything both companies ask for and both are still giving me a hard time after both companies assured me all fraudulent accounts will be deleted once I get an approval from the local authorities.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy, and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX 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 2022-11-01
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: EQUIFAX, INC. (WI)

I'm 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 report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX 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 {$19000.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IA)

I called XX/XX/XXXX and requested a refund of all the loan payments I made since XXXX of XXXX. They said great, got it submitted and quoted me 4-6 weeks. I got an email on XX/XX/XXXX saying my request was denied, I so called again them again on XX/XX/XXXX and they told me the request wasnt processed correctly and I had to do it again. I then re-reuqested my refund on that call and they told me it was officially submitted. I checked in with them for a status update on XX/XX/XXXX and they werent able to provide any information but quoted me another 4-6 weeks.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX has used my credit improperly. After reviewing my credit, it was reported 2 late payments. One late payment was XX/XX/2022 and the other late payment was XX/XX/2022. In accordance with the Fair Housing Credit Reporting Act-XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A, States I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, states consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-03-06
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. (AL)

Random credit check and find out that my score has gone down because of accounts I have no knowledge of. From places like XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, none of these places attached to them I have used ever. I've tried several times to have removed and no results.
Consumer complaint received 2022-11-01
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. (WI)

I'm 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 report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are 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 XXXXXXXX XXXX XXXX XXXX XXXX {$19000.00} ; XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX