davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (TX)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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. (IN)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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. (TN)

In accordance with the fair credit reporting act. The list of accounts below has violated my federaly protected consumer rights to privacy confidentiality Under 15 USC 1681. 

ACCOUNT NAME # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXXXXXX 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 604A section 2 : it also states a consumer reporting agency can not furnish an account without 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 conviction of crimes which antedates The report by more than seven years.

15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
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. (FL)

The Experian, XXXX and XXXX Credit Bureaus are reporting inaccurate information in the following accounts and inquiries. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
INACCURATE ADDRESES : 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 Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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. (NY)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 INQUIRY NAME : XXXX  INQUIRY DATE : XX/XX/2023 2 INQUIRY NAME XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/2023 3 INQUIRY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 - [ ] 15 U.S.C 1691 602 A. States i have the right to privacy.

- [ ] 15 U.S.C 1681 section 604 A section 2 : - [ ] It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-28
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX  XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX 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 2019-07-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Accounts Group, Inc. (FL)

I have a problem with multiple collections held and reported by Child Support Enforcement, even though I have provided proof of dismissal by a judge. 
The documents have been sent by myself to the top 3 CRA 's and I have petitioned XXXX numerous times beyond measure to update their database on me. All queries have gone unanswered and unverified. This is to the point of harassment as it affects my life in a financial nature. 

I am current on all payments and the amounts reported by XXXX that are inaccurate must be removed from my file and updated.
Consumer complaint received 2022-09-12
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. (FL)

The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are XXXX and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. XXXX XXXX proved themselves to be XXXX. They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the XXXX gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! XXXX XXXX we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff XXXX XXXX XXXX and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports it
Consumer complaint received 2021-09-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (CA)

I had been in communication with customer service reps with Simple Banking over these issues with my shared checking account which began with not having the amounts credited to my account after I placed a sum aside in the expense category feature they had in the Simple app and then transferred it to a goal. It did not make its way to that goal and become my available balance! It was {$630.00} I believe, and this happened in XX/XX/2018. I spent months upon months going back and forth with them which turned into over a year until they were taken over by BBVA and my complaints are gone now along with any hope of a resolution! Soon PNC will be taking over BBVA as well! I have already been charged close to {$300.00} with BBVA since they started managing my old Simple accounts and the transaction records they have are incomplete and displaying inaccuracies of the account balance then charging outrageous fees for insufficient funds which is not correct! Also I continually have problems logging into the online banking platform for weeks at a time with complications with passwords and secured online access that I cant even manage my money anymore! I want those fees reversed because they should never have been administered to begin with while they mismanaged the transactions thereby creating insufficient funds during the times they chose to make or accept certain ACH payments and transfers all in order to benefit from the fees charged to my account! Simple basically stole over {$600.00} from my account before BBVA came to claim nearly {$300.00} in excess fees so thats almost {$1000.00} that was taken from my account in a most nefarious manner. I have screenshots that show my balance one moment as an amount then another the next moment showing a completely different amount yet there are zero transactions on the record to prove that there was a reason for the changing sums! There was something going on with their expense and goal features in the Simple App that essentially depleted my funds by utilizing them as I was instructed to do so to help me budget better but ending up just making my budget worse off than before! There is clearly something amiss here and it can be seen by the many screenshots Ive taken over the months that show conflicting information relating to the obvious misappropriation of my account balance while Simple was the financial institution mainly used to pay certain bills ; This having ended up costing me even more with those merchants due to several returned payments and late charges after they mishandled the automatic payments each month towards the acquisition by BBVA.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I was unable to lift a freeze on my Equifax report since I could not pass their validation of identity questions. I had all my current credit card statements in front of me but they. seemed to asking questions about credit cards or store cards I no longer have. They also asked questions relation to incidents many years ago where no one could be reasonably expected to remember the details. I understand questions have to asked but if Equifax hold my data without my approval they should at least be mandated to ask questions that a reasonable person could answer by keeping the questions more relevant and timely.
Consumer complaint received 2022-12-24
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. (VA)

Good afternoon, This is in response to report # XXXX ; XXXX ID XXXX. I tried to submit this data on experian website but of course their site does not work and errors out. I'm extremely upset and I will need a manager in order to resolve this issue. There is seriously something wrong with the representatives at experian. To make a long story short a dispute was open on all three of my XXXX XXXX accounts for no reason! I called in and told them to cancel the disputes and the next day I looked online and all three of the accounts I have with XXXX XXXX were deleted from my credit report. The only thing that needed to happen was my credit limit with experian needed to be updated and I felt like the rep did not know what they were doing so I told them to please cancel any disputes with XXXX XXXX. Sure enough I checked online and it said all 3 of my accounts had been deleted. I'm in the process of closing on a mortgage and this is going to affect me negatively. THESE ARE MY ACCOUNTS AND THEY NEED TO BE PLACED BACK ON MY CREDIT PROFILE THESE ACCOUNTS SHOULD NEVER HAD BEEN DELETED. I feel like the representative did this on purpose. This is the 3rd time experian has deleted on time payment history that they should not have and they never fix the issue and place it back. This is so upsetting! The credit bureaus are always doing something wrong! This is so unfair to consumers and stressful because now I XXXX not get my mortgage because this affects my credit score.
Consumer complaint received 2024-03-15
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. (NY)

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 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (AR)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I still can not access my credit file. I have tried calling but the customer service personnel is inept and does not understand that I am trying to access my credit file. I keep being told that the information is incorrect but I have no clue what information they have. I am trying to dispute information but they will not allow me to submit the dispute. This is the 4th complaint in the last 24 months.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Self Financial Inc. (TX)

This happen during the pandemic and I was making all my payments on time for Self credit card builder. and then I couldn't log in to the app. I called a number of times but because of the problem with covid i never got no answer from customer service. I try sending emails and chat message but no response. I missed XXXX payment but then received a letter of XXXX balance. I wanted to pause my account because I was getting unemployment  but I it was cut off for error and covid government cap and had to wait to receive the payment the following year. 
I want to say I reached out but couldn't ever get a live person on the phone line .or on chat and the app wasn't working. So I lost my account.
Consumer complaint received 2023-11-28
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. (CO)

I am writing to dispute certain inaccurate and unauthorized information on my consumer report generated on XX/XX/2023. These inaccuracies a

re causing significant harm to my credit score, and I request that you take immediate action to correct them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am exercising this right by disputing the following highlighted portions of the report : [ All highlighted Hard Inquiries ]. I believe that these items are inaccurate because I never applied for credit from the highlighted Creditors yet they chose to report inaccurate information on my consumer report and when contacted to dispute I was met with no response which is out of my control. It is my hope TransUnion can investigate these fraudulent Inquiries and remove them as they are unauthorized and in violation of the Fair Credit Reporting Act. 
If you require any further information to process my request, please do not hesitate to contact me. 
Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute. 
Respectfully submitted XXXX XXXX
Consumer complaint received 2023-02-28
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. (NV)

In accordance with the Fair Credit Reporting Act XXXXXXXX Account XXXX ( XXXXXXXX XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I ha

ve 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 an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WY)

Dear Representative, I joined Experian to monitor my cred it scores. But it seems they only want to keep billing me more : first {$1.00} free trail then {$4.00} to see more info. then they wished to bill me {$29.00}. I need for them to cancel my subscription immediately! Please credit my credit card for these charges. I was led to think {$1.00} was good for 30 days.

This seems to be some kind of misinformation concerning the free trial to monitor you three scores for all three credit bureaus. Not honest.
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative entries on my credit report that I believe are in violation of the Fair Credit Reporting Act. The following accounts have been reported as charged off, late payment or collection accounts : XXXX XXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXX XXXXXXXX collection account XXXX XXXX XXXX XXXXXXXX collection account XXXX XXXXXXXX collection account I believe that these entries are inaccurate and unfair, and I request that they be removed from my credit report immediately. I have made every effort to pay my debts on time and maintain a good credit score, but I have been faced with unexpected financial difficulties that have impacted my ability to make payments on these accounts. 

I understand that it is the responsibility of the credit reporting agencies to ensure the accuracy of the information they report, and I ask that they do so in this case. I also remind you that under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

I respectfully request that you investigate the accuracy of the negative entries on my credit report and remove any items that are inaccurate or in violation of the law. If you find that any of the entries are indeed inaccurate or unfair, please remove them from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX