davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-24
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. (WI)

In XX/XX/2021, I noticed that Experian was show showing inaccuracies regarding XXXX Acct. I asked Experian and XXXX XXXX XXXX to investigate and delete as it was reporting inaccurately. Experian fraudulently claimed " verified '' while XXXX stated they couldn't locate an account or dispute from Experian. 
I then asked for method of verification and Experian claimed XXXX. I immediately asked for a reinvestigation and sent copy of email from XXXX contradicting Experian. 
Instead of deleting the account, Experian 'updated " account showing more negative months than before. 
Then I once again asked XXXX to prove they were reporting correctly and to send me a copy of contract. I was ignored. Then I contacted XXXX who reports to Experian and was again ignored. Then I called XXXX and was told the account would be deleted in full. 
Experian refused to delete. I even sent proof that Experian was reporting the account completely different than XXXX, that XXXX deleted account entirely. Still Experian refused to delete account. 
Experian is in clear violation of my consumer rights and is violating the FCRA rules/guidelines. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2018-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2018 I wanted to make a purchase online and the seller I was in contact with said they took payments through XXXX. Knowing that XXXX was already built-in to my bank 's app, I felt comfortable with that assuming XXXX had the same or similar policies in place to XXXX so that if anything happened I would get my money back. Also because it was part of my bank 's app, I assumed they would have a contract with a company that supported their customers. However, I sent {$360.00} on XX/XX/XXXX, with the seller proceeding to give me the runaround and a fake tracking number. They stated they dropped off the package on XX/XX/XXXX, but I never received the package. I contacted XXXX multiple times but they could not find any history on the package. After realizing I got scammed, I found multiple other reports of people getting scammed through XXXX. I decided to send a XXXX money request and invoice to the seller through the email I paid money to on XXXX, but they have yet to respond. My bank also does not claim to return the money to their customers as it was an " authorized '' transaction. It may have been authorized initially, but there should be some way of getting your money back in the case of not getting what you pay for. Also, I had to do my own research to find out that they do not have any protection policies in place. When I registered for XXXX, there was no disclaimer that stated their policies regarding scammers.
Consumer complaint received 2019-11-18
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: LEXISNEXIS (GA)

To whom it may concern : In my credit report there are account that are not mine, I'd like for you to remove these account from my credit report, because I may have been a victim of identity theft, an FTC report is attached to this complaint.
Consumer complaint received 2018-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (GA)

I received a bill from PENN CREDIT CORPORATION VIA CITY OF XXXX XXXX FOR UTILITY BILL FROM PERIODS OF XX/XX/XXXX - XX/XX/XXXX. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/XXXX. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/XXXX WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-12-15
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: CITIZENS FINANCIAL GROUP, INC. (MN)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX,XX/XX/XXXX, XX/XX/XXXX/CBNA, CITIZENS ONE AUTO FI andXX/XX/XXXXadd a hard inquiries on my credit reports. The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It was on XX/XX/XXXX at XXXX XXXX when I lost {$800.00} due to fraud. I had noticed someone selling an XXXX XXXX for {$800.00} on the XXXX XXXX. I asked if it was still available. He then said it was and that the only way to pay him was through XXXX. He asked me that he would meet somewhere after the payment was sent. He then sent me pictures of him leaving his apartment and even recording himself stepping in his vehicle. That assured me that he was a legitimate seller. After the money had been sent, he then sent me screenshots of him accepting the money and even offered to call me. He called me soon afterwards and told me that he was on his way. I waited for him in a College parking lot. Minutes began to pass. I sent him messages if he was going to come. He sent me screenshots that he was minutes away. Then after an hour had passed, I proceeded to call him again but the phone number was unavailable. I then called him with XXXX XXXX  and the last thing he said was " Why did you end the group chat '' before blocking me on XXXX. On XXXX, there are the photos and the video he sent me along with other victims he tried to scam as well. He also sent photos of other XXXX  and XXXX accessories that he was offering to sell as well. I believe those were stolen as well. I tried my best to contact 6+ people and warn them that they are speaking to a scammer. I couldn't find them. After I realized that I was a victim of fraud, I called Bank of America and told them what had happened. They created a claim and gave me a claim number. The female representative assured me that this would be resolved within 10 business days. I reported the seller on XXXX as well. Today is XX/XX/XXXX and have received a letter from Bank of America from the Dispute Resolution Services. They stated " Our records indicate that we initiated the transfer in accordance with your instructions. As a result, your account will not be credited for this claim. '' I feel as if they didn't conduct a thorough investigation and proceeded to not take this claim seriously. I have the seller 's number, name, screenshots/photos, video, and chat log still with me. I believe Bank of America should consider their customers a priority rather than simply giving them the bad news.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (WI)

Inquires from Credco on XX/XX/XXXX I never applied for credit. I never applied for credit on XX/XX/XXXX with Credco. I also have inaccurate information reporting. Account # XXXX is inaccurate, Account # XXXX is inaccurate, Account # XXXX is inaccurate, Account # XXXX is inaccurate is inaccurate, Account # XXXX is inaccurate. XXXX XXXX XXXX XXXX I never applied for credit with this company on XX/XX/XXXX.
Consumer complaint received 2021-10-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, 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 from the credit bureaus. I feel like I am being taken advantage of and being ignored. In Section 611 ( a ), it clearly states that a failure to investigate those 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 updated to payed as agreed and all the fraudulent inquiries deleted. I demand that these items are addressed immediately or I will file for litigation due to the stress it has caused me. My information was also impacted by the Equifax Data Breach and may have fallen into the wrong hands.
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is to complain about BoA and XXXX using their powers to place pressure on manufacturers and American citizens by denying services to them because they are using a constitutionally protected right and have done absolutely nothing wrong. I hate the fact that my tax dollars were used to bail their sorry butts out and now they are trying to get in to social engineering. Just who do they think they are? I for one will never do business with them because of it.
Consumer complaint received 2024-02-28
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. (TX)

This is my first 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. 
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Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : - XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX - XXXX Account # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # 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 an account without my written instructions.
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A. (FL)

This is a complaint on Citibank 's new policy discriminating against customers because they don't believe in the customers 2nd Amendment rights of law abiding United States citizens. 

The company took billions of dollars in bail out money without questioning whether the tax payers that paid for it were 2nd amendment advocates or not. This new discriminatory policy is hypocritical at best. If they chose to have the basis be religion, race, gender, XXXX orientation or if you used your freedom of speech to express an opposing viewpoint, the outcry would cause them to be fined or put out of business. The constitutional protection for the 2nd amendment is no different.

Citibank must stop discriminating against law abiding citizens. It is unethical for them to try to use their influence to dictate to customers what XXXX owners, purchases, sellers and manufactures constitutional rights are.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : - XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX - XXXX Account # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # 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 an account without my written instructions.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CITIBANK, N.A. (IN)

I am a 32 year client of CitiGroup. I am disgusted with their discrimination of companies and/or individuals who support the 2nd amendment. This is a consitutionaly guaranteed right and they should NOT be held accountable for other peoples crimes. 

I am equally dismayed at XXXX XXXX XXXX XXXX stance.
Consumer complaint received 2024-02-28
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. (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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2022-06-15
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. (MI)

On XX/XX/22 XXXX XXXX and XXXX XXXX XXXX XXXX both gave me hard inquires. This loan was from XXXX XXXX XXXX. XXXX XXXX  did not have my permission to " shop '' for my loan.
Consumer complaint received 2021-10-24
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: EQUIFAX, INC. (NJ)

Some company by the name XXXX XXXX put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.
Consumer complaint received 2022-06-15
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. (FL)

I have been a victim of identify theft and I have reported the problem with local police, FTC AND CFPB I did notice some incorrect addresses and employer information that needs to be removed as soon as possible because it is incorrect. I have reached out to the companies already and got no help I have attached my XXXX driver licenses which has my correct address. The employer information is incorrect as well and needs to be removed I am monitoring my credit daily sense my ex boyfriend use my information to obtain fraud accounts in my name.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (FL)

To Whom It May Concern, I recently attempted to perform a 2-factor SMS verification with my bank ( XXXX XXXX The bank is unable to complete the verification and send me a confirmation text. They stated that the SMS verification system they use is called Phone Finder from Lexis Nexis. When they attempt to use the system they are unable to do so because the information associated with the number does not match my information. The bank says that the name they get from Lexis Nexis is XXXX, XXXX. My name is XXXX XXXX. I contacted Lexis Nexis to see if I could fix the information in my file and they said that new information can not be added, only inaccurate information can be disputed. They said that the information which my bank is using comes from my unofficial file which they say cant even be disputed. Lexis Nexis gave me the option to suppress my file ( Im not sure if suppressing my file would include my official and unofficial file ) but my bank informed me that doing so would make my problems with authentication worse. As it stands I now have to go to my local branch with any option as calling the bank is no longer an option due to the negligence of Lexis Nexis. Im not really sure how to proceed. 

Thanks, XXXX XXXX
Consumer complaint received 2024-02-28
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. (NC)

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 Number : XXXX and list of Inquiries. 


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.