davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On or about XX/XX/2023, I tried to get a copy of my Transunion credit report from the Transunion site. I received an error saying they could not get my report. Then I tried on XXXX and again, I could not get my Transunion credit report. 

I called Transunion and spoke with a customer service rep who told me my credit report is " mixed '' and that someone would call me within 3 days to correct the situation and provide a report. I also was given a XXXX number : XXXX. I have not received any phone calls so I can access my report.
Consumer complaint received 2019-07-16
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. (UT)

XXXX XXXX # XXXX is reporting a debt I do not owe. This account is fraud and I have filed a police report # XXXX with officer 's XXXX and XXXX. XXXX has yet to prove this debt is mine and it needs to be removed.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had complained to all 3 credit reports that account that were discharged in my bankrupcy should not be showing because they were discharged, the have wrong dates of filing and Bankrupcy court did not report to them. XXXX XX/XX/22 also i had put a credit freez on my credit because my id came up missing, people were still able to run credit with notifying me which in curd XXXX hard inquires that i asked to be removed, Account XXXX bk XXXX XXXX it was filed on XX/XX/22 not in XXXX pls remove due to the fact that is in accurate info.
Consumer complaint received 2022-10-14
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. (TX)

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-10-14
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. (TX)

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-09-25
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: BARCLAYS BANK DELAWARE (NY)

Barclay Bank, To Whom It May Concern, My credit report indicates a hard inquiry by " BrclysBankDE ''. It is my understanding this is Barclay Bank and affilated companies.

For the record, I have never done business with any of your companies. I have not made any requests for credit with any of your companies. I do not understand why your businesses would place a hard inquiry on my credit report. This company pulled my report on XX/XX/2019. Between XX/XX/XXXX and XX/XX/2019 was added to my XXXX credit report.
Consumer complaint received 2023-02-10
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: CCS Financial Services, Inc. (FL)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-02-10
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. (OH)

I recently discovered that my credit file has been used to obtain accounts fraudulently without my permission at the following companies : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX Are you the original creditor? 
Have you given the debtor the opportunity to review the original contract? 
Have you validated the home address for the debtor? 
Have you complied with all FRCA and FDCP and FDCPA laws? 
Have you reported to the consumer who all has reviewed the original contract Have you provided the names of all creditors that have provided names and addresses of the individual person who has reviewed consumer relations?
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am highly upset the consumer reporting agency Equifax has not responded back to me about my investigation. 
This is a serious matter. I need these accounts that arent mine to be removed from my credit report immediately. Its been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) They also don't have the right to communicate with any furnisher as I did not give consent to it and will NOT give consent for them to communicate with them. 
I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2023-02-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CashMax LLC (WI)

I received a phone call from XXXXXXXX XXXX Ph # ( XXXX ) stating I have an outstanding lean against me for a loan with Boost Finance. I have never heard of Boost Finance before. They provided me with all of my accurate SS #, Phone # and address which is really concerning to me. I was re-directed from XXXX to XXXX XXXX Ph # ( XXXX ). They stated I needed to contact XXXX to resolve this matter. XXXX XXXX did give me Boost Finance 's Ph # ( XXXX ). I then called Boost, but I am not able to get to a representative. 

I fear someone stole my information and took out a loan with this company fraudulently. Now I can't get ahold of anyone to get proof of signature or resolve the matter.
Consumer complaint received 2022-10-14
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)

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  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 2023-03-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: American First Finance, Inc. (NC)

I contacted XXXX to file a dispute about American First Finance, which damaged my credit. Not only that, but I do not owe anything to them. Therefore, credit profiling should be considered. I filed a dispute with XXXX for investigation on XX/XX/XXXX, and on XX/XX/XXXX, the amount stated that I owed {$1400.00} turned into {$5100.00}, which also turned into a student loan. I do not understand if this is not credit profiling. American First Finance is a predatory company that marked my account as a charge of {$1400.00} on my credit report. The account listed as open on XX/XX/XXXX ( XXXX years and XXXX month later ) was eventually sold to a debt collection agency, which started contacting me non-stop to get me to pay up. They continued to harass me through the phone, email, and text. And not one of those messages arranged for me to pay the settlement amount offered. I just filed a dispute with the credit bureau, asking the collection agency to validate everything surrounding the debt before they could continue their collection efforts. This is one of the worst forms of derogatory fraud. However, this can not be considered legal. It is a common fraudulent business practice in which Americans first engage in finance. I do not owe anything to them. They must be investigated, and a class-action lawsuit must be filed against them. 
State in my report in the Remarks : " Charged off as bad debt. '' The profit and loss write-off XXXX did not investigate this, and caused more harm and good. This is credit profiling and the rights are violated. Under Consumer Rights. 
I have no Student Loan with them copy of the resolution : COMPLETED ON XX/XX/XXXX ITEM IN DISPUTE : AMERICAN FIRST FINANCE I DISPUTE REASON : Accuracy This account is settled.

CONTACT INFORMATION AMERICAN FIRST FINANCE I XXXX W. XXXX XXXX NORTH, XXXX XXXX XXXX XXXX, KS XXXX RESULT : Disputed information was verified as accurate XXXX investigated your dispute, but the information was verified as accurate. Other information was also updated. 
See your current report
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (FL)

These hard inquiries are listed on my report illegally and without proper written consent or my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AK)

I am a natural person, I am a living human being, I have rights under 15 USC 1681, I would like to make a formal complaint about the follow items on my credit report that Equifax is violating my rights and violating the Fair Credit Reporting Act. Equifax is governed by 15 USC 1681, they have violated my rights several times and I demand the accounts below be deleted immediately. 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.I did not give Equifax permission to furnish these accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. I would also like to add to this complaint that I did not authorize the following companies to look at nor pull my credit these inquiries are fraudulent. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please advise that these inquires need to be removed today BECAUSE i HAVE CONTACTED THESE COMPANIES AND THEY HAVE NO PROOF THAT I HAVE AUTHORIZED THESE INQUIRIES OR PERMISSIBLE PURPOSE
Consumer complaint received 2022-12-15
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-07-16
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: Santander Consumer USA Holdings Inc. (AL)

My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/XXXX I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " XXXX XXXX  '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/XXXX and XX/XX/XXXX and I'm being met with opposition. XXXX 's XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. XXXX aka XXXX is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.
Consumer complaint received 2022-12-01
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. (TX)

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Transunion sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please update and correct my account right away. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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: TrueAccord Corp. (TX)

I have wrote numerous letters to the creditBureaus to have this removed. 

As stated in previous letter I had only one account with fig loans of Texas ( 1 ) **Paid the account OFF FULL.

This account is not mine. My personal information and opened an account without my consent. I think I even made a payment on this loan. I had no idea about this loan. I have also stated that my information has been stolen. I have filed several reports and I would appreciate a prompt response to have this removed. Immediately please and THANK YOU!
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the fair credit reporting act. The list of account 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 XXXX XXXX  XXXX : XXXX, XXXX l XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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.

15 U.S.C 1681 c. ( 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 2018-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

A couple months ago I signed up for the Amex Premier Rewards Gold card with an offer for XXXX after spending {$2000.00}. I met the spend and the points were awarded in pending status. There was a return on one of the purchases and the bonus was taken away which I understand since I had not met the spend. 

Eventually I met the spend again, received confirmation ( see attached email from Amex ), and the points were awarded. A few days ago I wanted to transfer the XXXX points that I currently have and I received the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I chatted with customer service and I was told that I needed to wait until the review was over to have access to my points again. I also called the Membership Rewards department and the person confirmed that my account was in good standing but my points were subject to this review and it could take up to 8 weeks for Amex to unfreeze them.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

Bank of america locked my debit card after i deposited some money into my account and attempted to withdraw some money at the SAME atm i always use this would be no issue normally but they are now telling me on the phone i have to step into a branch to remove the block? ive never had to do this when ive had this issue before. 

There is simply no bank of america branch  near me, this is almost impossible to do to remove this lock on my debit card : / ... ive verified myself no problem on the phone but they still say i have to come in a branch and im telling them i cant because i just dont have access to a bank near me ( XXXX  )