davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 50 DAYS. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 2022-10-28
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. (TX)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (MI)

I have been trying since XX/XX/2021 to regain access back into my crypto.com account to check my invesents and build progress to raise investments and have been halted by crypto.com. 
I have verified my identification at least XXXX times to be told that a piece of my elbow didn't show or not enough of my chest is in the picture. Things that have no significance when my picture and identification match as well as I am telling them the information they require to verify me. 
Other times I try and think I've gotten somewhere to find they have given the wrong solution like adding my phone number that needed changed to on the original account but not saying that being the phone number was on the dummy account I had to create in order to get to customer support, means they would need thrifty days to have an account close and let me in the original one where my money was invested. 
Today, it has been XXXX months, and I'm stillocked out and still told XXXX due to the phone number on XXXX accounts and would be XXXX days ..and I would need to go through verification again. 
Enough is enough, I feel they are hiding that they no longer have my money. They should not be able to keep you locked out of your own account for almost XXXX months.
Consumer complaint received 2022-10-28
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. (TX)

In accordance with the fair credit reporting act 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 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

On XX/XX/XXXX, XXXX XXXX XXXX responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$28000.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$28000.00} } for account number # XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was issued my disability funds to my Bank of America edd card shortly after I had to fly to XXXX to take care of my ill mother who ultimately ended up passing. During that time I was mailed a notice motorizing me that my pin had been changed to my surprise when I returned home almost all of my funds had been withdrawn and there was a pin I have never used before. I reported it to the bank who said they would investigate they claim that I am the person on the camera which is impossible I have made a police report have proof of my time out of the state
Consumer complaint received 2022-10-28
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX .... Balance : {$50000.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX  XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. 
states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-10-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-06
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. (TX)

XXXX XXXX is reporting information without permissible purpose. Furthermore this account is only reporting on my Transunion Consumer Report. Pursuant to 15 USC 1681e ( b ) states all consumer reporting agencies must maintain maxium possible accuracy. 15 USC 1681b ( 6 ) states all Credit Reporting Agencies must work together.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MN)

Im being harassed by Victoria Secret. They are CONSTANTLY calling my phone all day everyday about me paying a bill and adding more and more fees that I put in a dispute about. They are messing my credit up. My points went down soooo much because of them. I have been trying to close my account with them for this exact reason. They Will literally call me several times a day everyday using MULTIPLE phone numbers and I would block the numbers they call off of. Even if I block the numbers, they will call me through a blocked number ( NO CALLER ID will pop up but I know its them ). I have been called several times at work, while putting my kids to sleep, trying to go to sleep or take a nap myself, when Im out driving or at a business. Its ridiculous.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2023 I sent the credit bureaus letters asking them to verify the debt on my report.XXXX and XXXX responded stating that everything is verified correctly. My credit report is still showing inaccuracies. 
I never got a response from Experian 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 Experian-XXXX XXXX XXXX XXXX XXXX Experian-XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX 15 U.S. Code 1681s2 ( 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.

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.
Consumer complaint received 2024-06-18
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to TXXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX a checking account was opened fraudulently in my name with Bank of America. This is the second time a fraudulent account has been opening in my name with Bank of America. The first time occurred in XXXX of XXXX. This recent account was opened with the same old address and same old email associated with me as the first account. I took every measure possible to prevent this second attempt from occurring : locked my credit reports, froze my information with XXXX, filled a complaint with the FTC, starting paying for identity theft monitoring, closed down my social media accounts, deleted old unused email addresses : absolutely everything I could think of that was allowing someone access to my information. When this occurred in XXXX of XXXX, Bank of America assured me over and over that an alert had been placed on my information and that any further applications with that information would be flagged for further review. Then comes XX/XX/XXXX. I get an email saying another account has been opened in my name! The perpetrators used the same old email and the same old address as the first time! How is this possible? How can Bank of America allow this to happen again with the exact same information and under the exact same circumstances? How was an account approved with my SSN when everything tied to my SSN is locked? Credit reports are locked and information with XXXX is locked, so how are bank accounts still able to be approved? It is absolutely mind-boggling. Today, XX/XX/XXXX, I spent hours on the phone with Bank of America and was passed from one department to the next, none of which took responsibility for the allowing of the account opening despite the flags placed on my information and the fact that they have on file that I am a victim of identity theft. No one could give me a straight answer for how this was able to happen to me again! And there was honestly no resolution provided that will prevent this from happening to me again with their institution. They closed the account, filed a claim and a complaint, and that was it. I have no idea what to do, but it sure seems that Bank of America could care less about these continued fraudulent accounts, and it sounds like it's just something that I have to personally stay on top of, which is a complete shame. Bank of America should have a system that shuts this fraudulent activity down, especially considering they have a logged history of exactly which information is being used to open these fraudulent accounts. I'm at a loss for what to do to stop this in the future.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm submitting a complaint to you today to inform you I was the victim of XXXX XXXX  I researched on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX 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 GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX : {$300.00} ; XXXX XXXX  ( Original Creditor : 09 XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$760.00} ; XXXX XXXX  ( Original Creditor : 09 XXXX XXXX XXXXXXXX ) XXXX Balance : {$290.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$810.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX  ( Original Creditor : 09 XXXX XXXX  XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$660.00}.
Consumer complaint received 2023-05-18
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. (GA)

I am writing to formally request the removal of a debt from my credit report due to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to comply with the provisions of Law 1006.34. This law protects consumers by establishing specific guidelines for debt collection practices and granting consumers certain rights and remedies. After thorough review of my credit report, I have discovered that an invalid debt is listed on my account. The debt in question is associated with XXXX GEORGIA XXXX XXXX. Pursuant to Law 1006.34, debt collectors are required to validate a debt upon request within a specified timeframe. Failure to provide proper validation or demonstrate that the debt is valid and enforceable renders the debt invalid and unenforceable, as well as necessitates its removal from the consumer 's credit report. This company has failed to respond within the specified timeframe or provide any evidence validating the debt. I kindly request that you remove the invalid debt from my credit report immediately. It is important to note that any negative reporting or reference to this invalid debt on my credit history is inaccurate and unjustifiable. I trust that you will handle this matter with utmost diligence and in accordance with the laws governing credit reporting. Thank you for your attention to this matter and for upholding the consumer rights. I look forward to a swift resolution. Sincerely, XXXX XXXX
Consumer complaint received 2022-10-28
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. (AR)

I have been contacting the credit bureaus trying to correct inaccurate information that is damaging my reputation. Not only is it causing damage, it is also unlawful and is a direct violation under the FCRA. 

In accordance with the FCRA : 1 ) Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXX XXXX 5 ) XXXXXXXX XXXX XXXX XXXX XXXX # XXXX have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-28
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. (PA)

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 deleted : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00}