davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Transunion Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2020-01-14
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. (NV)

an unknown collection agency showed up on my credit report. 
I disputed with the credit reporting agency. 
they stated it was verified and is accurate. ( cc of the tradeline on my report with XXXX  and transunion attached ) I sent a validation letter to the company XXXX XXXX. ( copy of letter XX/XX/2019 attchd ) they failed to verify or validate the debt ( copy of their XX/XX/2019 response attchd ) in addition to being an unknown unverifiable tradeline on my account the information they are reporting is inaccurate.
Consumer complaint received 2020-01-14
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: AMCOL Systems, Inc. (NV)

an unknown collection agency showed up on my credit report. 
I disputed with the credit reporting agency. 
they stated it was verified and is accurate. ( cc of the tradeline on my report with XXXX  and XXXX   attached ) I sent a validation letter to the company Amcol Systems. ( copy of letter XX/XX/2019 attchd ) they failed to verify or validate the debt ( copy of their XX/XX/2019 response attchd ) in addition to being an unknown unverifiable tradeline on my account the information they are reporting is inaccurate.
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2018, There was Fraudulent access or an unauthorized change to my Banking Account allowing for electronic transfers. I received an Threshold limit alert on my Banking App showing a {$490.00} charge was pending at XXXX ( Sunday ). Upon opening my account there were a total of three showing For {$490.00}, {$200.00}, and {$180.00}.

Al three were sent in quick succession. I verified none of these were related to any account on mine, and called to question the charges showing as " XXXX to MOM ''.

I called the Fraud department at my bank and informed them that these  were Fraudulent and asked that all account be locked. The Bank failed to follow through thus allowing a fourth XXXX charge to post for an additional {$200.00}. 

The XXXX Charges were to a Bank of America account. XXXX reference number XXXX and the associated email for the Transfer was " XXXX ''. Since the Bank account is was with Bank of America, and since Bank of America is Part owner in "XX/XX/XXXX '' which owns XXXX, I am filing this complaint to bring resolution and make my account whole.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

Someone fraudulently opened up a Barclays Old Navy credit card in my name. I immediately closed the account, marked as fraud on XX/XX/22. Barclays was delayed in their fraud investigation, taking months and did not complete the fraud investigation only until I had the situation escalated by a supervisor after my numerous calls. I received letter that account marked as fraud and I am not responsible for this credit card however Barclays has not reported this to credit bureaus and thus my credit score continues to be severely impacted by this delinquent fraudulent account.
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (MS)

Someone has applied for credit in my name without my consent and my permission. My idenity has been stolen and missused without my knowledge until today when I was notified by XXXX that my credit was pulled by several other companies as well. The companies that pulled for information are 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. I am asking that the fraudlent inquires be removed as I dont recognize them and havent given any consent for anyone to pull my information. Please help me im so lost.
Consumer complaint received 2023-05-24
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. (NY)

I HAVE RECENTLY OBTAIN A COPY OF MY CREDIT REPORT AND NOTICE THESE FRADULENT ACCOUNT ON MY CREDIT PROFILE. I TRIED CORRECTING THE ISSUE WITH CREDIT AGENCIES AND HAVE BEEN UNSUCCESSFUL.
Consumer complaint received 2020-01-14
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. (NV)

an unknown collection agency showed up on my credit report. 
I disputed with the credit reporting agency. 
they stated it was verified and is accurate. ( cc of the tradeline on my report with Equifax and XXXX  attached ) I sent a validation letter to the company XXXX XXXX. ( copy of letter XX/XX/2019 attchd ) they failed to verify or validate the debt ( copy of their XX/XX/2019 response attchd ) in addition to being an unknown unverifiable tradeline on my account the information they are reporting is inaccurate.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2024, I wrote to XXXX, Experian and XXXX to dispute inaccurate account information. In accordance with 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies were to note that the accounts were under dispute. They did not change the account status. They violated the law.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I have received several past due notices from Citibank Sears Card Services about 2 charges from XXXX. The charges were unauthorized and the account had been paid off and closed in XX/XX/XXXX of 2016. I have called them twice and filed a fraud notice with them but whenever I call I am talking to someone from another country. I just received another email from them and it is getting very frustrating.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

I sale packages of meat for a living and on XX/XX/2021 I sold a package to a customer by the name of XXXX XXXX XXXX, for the standard {$250.00} fee. The funds were given to me via personal check from XXXX in the amount of {$250.00} and was dated XX/XX/2021. I went into my usual Mountain America Credit Union that I have always banked with to cash the check. I received the {$250.00} in cash and went about my day. Almost 9 months later I received a notice from a XXXX XXXX XXXX Utah legal defender, XXXX XXXX, stating that the check was cashed for {$1200.00} and that I was facing up to three years in prison being charged with Theft By Deception. I was able to pull a copy of the check and it does appear that someone had written a line in the numeric box amount on the check making the amount appear to be {$1200.00}. The legal line # XXXX however was written out as Two hundred and Fifty dollars. I did not receive an extra {$1000.00} as I am being accused of. I do not know where the extra $ 1,000.oo went but I do believe this to be a bank error as the legal line had the amount written as two hundred and fifty dollars.
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. ()

I, XXXX XXXX XXXX XXXX XXXX, having my residential address at XXXX XXXX XXXXXXXX XXXX XXXX, hereby inform you of my dissatisfaction with the service I have received from Binance so far, this letter has the intention to bring some background and facts about a complaint a have with Binance ( hereinafter the XXXX ), and that they have incorrectly addressed my complaint. 

Back on XXXX XX/XX/2021 through XXXX XX/XX/2021, I entered into an investment contract with XXXX to transfer 12,000 EUR. I transferred my hard-earned money under the instructions of the scammers and paid them out to XXXX representatives, thinking that I am engaging a legitimate investment firm, however, XXXX has taken my funds and failed to repay the money to me upon request. 

Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my Hard-earned XXXX XXXX within a very well-planned and orchestrated operation. 

On XXXX XX/XX/2021, I approached Binance with a Dispute letter to address the concerns I had as negotiations failed with XXXX to reach a satisfactory outcome, I have attempted to resolve this matter with Binance but they have failed to settle this matter satisfactorily. I have dealt with them in good faith and am deeply disappointed in how they have handled this matter thus far. 

Its a shame that I was a simple end customer without any cyber-powers like theirs could have gathered all the evidence and presented it in an organized manner which shows that A ) we are dealing with sophisticated scammers and B ) they didnt do their job properly. 

Financial firms need to consider guidance published by the international financial regulatory bodies, which is taken into account when deciding whether to take action again a financial firm for not carrying out due diligence. I implore Binance to take their share of responsibility for the fact that due diligence has not been carried out, despite the merchant being high risk and unregulated, with many warnings issued to the XXXX community, no verification checks were run.
Consumer complaint received 2023-06-29
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2020-01-14
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. (LA)

I have some errors on my credit report that I already tried to fix. I sent letters to all 3 credit bureaus in XX/XX/2019 regarding several accounts that should not be on my report. I sent the letters certified mail and received the confirmation receipts. It has been over 90 days and I have not seen any changes on my report despite the fact that I followed the exact instructions on the FTC website. 

Attached you will find the exact letters I sent to the credit bureaus which include all the accounts I am disputing. I have not use my credit in the past 7 years so there should not be any accounts on my report that is negative.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-02-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAA attempted to re-insert a credit line. I had it blocked again. USAA continues lies. 
I will be making a complaint for every interaction for now on and if they use the copy paste response i will make another complaint for not even XXXX looking.
Consumer complaint received 2024-10-16
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. (LA)

" I do not recognize this collection agency, as I have never entered into any agreement to work with them. Could you please provide evidence showing that I have signed any agreement with this collection agency? '' 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