davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reach out to XXXX XXXX and Transunion in the year of XXXX this account is over the 7 year statue of limitation my last payment was XXXX of XXXX which the have updated this account but not remove this account I also sent letters to the creator with no response letters returned back to me
Consumer complaint received 2023-04-05
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This was a debit card issued by Bank of America for pandemic unemployment benefits. The card was issued to me in my married name, XXXX XXXX de XXXX. I an back with my maiden name now, XXXX XXXX XXXX XXXX. 

My claim is for reimbursement of {$1900.00} that was misappropriated from my Bank of America XXXX card due to fraud. Bank of America has denied my claim more than once. 
My claim is for reimbursement of four debits to my card, as follows : XX/XX/2021 {$100.00} XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX {$1.00} The only branch that I ever use is the XXXX XXXX branch, which is walking distance from my home- I do not drive. None of the fraudulent withdrawals are from the XXXX XXXX branch. 

If you examine the balance inquiries that were made on my debit card, the fraud becomes clear. I always do a balance inquiry and then make my withdrawal. It is clear that some sort of data breach occurred at Bank of America in early XXXX  After that, fraudsters made balance inquiries from all over California and the US, and then withdrew the maximum possible amount when they found funds in the account. Each of the fraudulent withdrawals identified above was preceded by a balance inquiry. There were a number of additional balance inquiries by fraudsters, from locations other than the XXXX XXXX branch, that did not uncover available funds. Small mercies, I guess.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I recently sent a letter to Capital one asking them to send me the accounting that was used on my closed account that they are marking as charged of on XXXX, XXXX, and XXXX. They marked the account charged off in XXXX of XXXX. If the company indeed charged off the account, a 1099-C should have been issued to me no later than XX/XX/XXXX of XXXX. Capital one did not send the 1099-C and continues to pursue collection activities on an account they have already charged off. I paid the account off even though the company charged it off as a loss on their records making the charge off fraudulent. I am requesting that capital one comply with the cease and desist notice attached to this complaint and send me VALIDATION of the alleged negative accounts on my credit reports. If capital one doesn't comply with my request I will have no other choice but to report them to the IRS for TAX FRAUD. Please read the cease and desist carefully as to not violate the order.
Consumer complaint received 2019-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!
Consumer complaint received 2022-11-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank offers a small personal loan program called standby cash. They have revised the criteria to discriminate against low income customers. 
The original criteria was {$750.00} deposit each month. I met that criteria. 
In XX/XX/2022, the revised criteria was each account had to have {$200.00} daily balance. As a low income person, I could not meet that criteria. 
In XX/XX/2022, my account was suspended due to this revised criteria. It was reactivated in XXXX. 
In XX/XX/2022, the revised criteria was {$1000.00} deposit over 32 days. In addition the new criteria effectively discriminates against anyone who receives government checks requiring a $ XXXX monthly deposit. 
I was informed today that my account was suspended. I have made over {$1700.00} in deposits over the last 45 days. The way the bank has configured the criteria Im not eligible for the program. I called and made a complaint through XXXX customer service. 
The policy and criteria changes are a blatant violation of equal credit for customers and non discrimination again income origin as legislated under consumer and credit legislation.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have reported the inaccuracies regarding the XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX to XXXX and Experian, but they did not conduct an investigation. The account has been reporting different high balances with XXXX while reporting different information with Experian. It also does not report a credit limit with XXXX so how can there be a high balance be reported or how can it be determined what is correct? Then there is no date of last activity, but has been reporting a current payment status until XX/XX/2023. 

It states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.
Consumer complaint received 2024-02-15
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-13
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: World Omni Financial Corp. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (OR)

I, XXXX XXXX, signed a lease in XX/XX/XXXX for an XX/XX/XXXX move-in day to move into an apartment complex called XXXX XXXX XXXX  in XXXX, XXXX. Days after signing the lease, the COVID-19 global health pandemic hit and I was immediately put on furlough from my job at XXXX XXXX XXXX XXXX This prompted me to move back in with my parents in XXXX, as I could no longer afford to pay rent due to a complete loss of income, and understanding of what the future held, as was the case for most of us. 

I had been in contact with my leasing agent working on extending my move-in date under the assumption that the pandemic was going to go away sooner than later. This obviously never happened, and I was never made aware that I was still being charged rent for this apartment throughout the course of the summer of XXXX. I was then sent to a collections agency ( Hunter Warfield ) without being made aware of this debt. I have been trying to dispute this case ever since, and in XX/XX/XXXX I was made aware that this case was dropped from my credit report. However, I am now trying to apply for an apartment ( XX/XX/XXXX ) and am being denied based on this " unpaid debt '' ( {$3500.00} ) to Hunter Warfield and XXXX XXXX XXXX. However, based on the Fair Debt Collection Practices Act, one thing I noticed was that a landlord can not " Endanger the health and safety of tenants '', and moving into a new apartment in a global health pandemic falls under this complaint.
Consumer complaint received 2022-11-17
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. (NY)

Reporting agencies Experian, XXXX, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint. 

According to the Fair Credit Reporting Act, all three reports are to supposed match perfectly but all three reports have ( or do not have ) items that are not present on one another. This is a violation of my rights and demand that inaccurate items be removed across all three reporting agencies be removed.
Consumer complaint received 2022-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

I submitted a PSLF employment certification to my ( XXXX XXXX ) student loan servicer on XX/XX/22. I saw my HR representative at my former position sign the paperwork. 

However, my servicer has determined that the paperwork was " digitally '' signed. That's just false. I asked them to correct their mistake but on XX/XX/22, they refused to do so. 

Now because of this false determination, I have to reach back out to an old employer to get the same form signed. It is absolutely absurd.
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I made contact with this collection agency by phone and they refused to disclose the details of the alleged debt. In a recent phone conversation the implication from the IQ Data collection agent was that I knew that I owed this money to XXXX XXXX   and they didnt owe me an explanation. I asserted to the agent that under the law they did owe me an explanation. At that time he relented and provided a contact address to make a written request for the documents they are claiming to be proof of the debt. I also requested copies of any and all correspondence sent to me regarding disputing the debt prior to them reporting it to the credit bureaus. If they try to produce bogus correspondence, I will request that metadata be subpoenaed if I have to take this collection agency to court down the line. I know for fact that this collection agency NEVER contacted me about disputing the alleged debt prior to reporting it to collection. I never had the opportunity to fairly dispute this and thats a violation of the fair credit reporting act. 
I vacated the XXXX XXXX XX/XX/XXXX shortly thereafter IQ Data purchased this alleged debt and reported to the credit bureaus in XX/XX/XXXX. I was not contacted between XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX or IQ Data International. I have no idea what this alleged debt is. In recent months I have made verbal request for this information to no avail to both IQ Data and XXXX XXXX. I have made written request to XXXX XXXX. I mailed the attached letter today, XX/XX/XXXX to IQ Data International to the following address : XXXX XXXX XXXX, XXXX WA XXXX, the address I was given by the very rude condescending collection agent that told me he didnt care if my credit report was ruined by this false fraudulent reporting. This people are awful. Predatory, preying on low income people trying to extort them for money. Relying on the fact that most people dont know their rights and will simply pay. That will not happen here.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

In mid XXXX I went to put gas but my card was declined, thought maybe it was froze because I used it out of town a couple days prior. Go online to review my account and I can not log in, so I call the number on the back of the card and no one answers. This same problem has been going on for nearly a month now with no resolution in site besides some canned answers from a XXXX bot. This is going to effect my credit score which I have working hard to improve. This is all with Bread Financial and Comenity Bank.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

XX/XX/22 I informed all three bureaus to remove my fraud alert by mail and I enclosed all proof of identity documents. They still haven't removed the fraud alert. 

I've also called the various bureaus multiple times to have this removed over past 2 months and no bureau removed it. 

I didn't even ask for a fraud alert. 

They just need to remove it. I already sent my ID, SS card, and proof of address to them a week ago.
Consumer complaint received 2023-04-05
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-13
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)

I have applied for credit twice, But loan officer aren't being transparent.. When I've asked which Agency they pull from.. They lead me to believe only one they pull, I real time it ends up being two agencies..
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my several endeavors to tell credit bureaus 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, XXXXXXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$9700.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-12
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-12
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Delete this account.