davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Neon Newco Corporation (CA)

on XX/XX/year> at XXXXXXXX XXXX I placed a order on XXXX for a XXXX laptop in the amount of {$2200.00}. On XX/XX/year> at XXXX XXXX sent me a XXXX XXXX Cancellation Notice letting me know that my order that was confirmed originally has been cancelled. I than assume XXXX is gon na refund me and I should get a refund back to my card within 7-10 business days, days go by and I dont see my refund back. I try emailing XXXX back but there email is not monitored, they dont have a phone number so I was out of luck on how to get my refund returned for this canceled order I purchased thru guest checkout. After attempting to work this issue out with the merchant and failing I than file a dispute with my bank. I send my bank the cancellation notice I even forwarded them the email that XXXX sent directly to me to there dispute resolution team and my bank failed me as a customer and denied my claim and accused me of suspicious claim activity so they would not have to assist with this issue. I than call my bank reach out and attempt to file an appeal because this dispute denial doesnt make any sense what so ever. My bank said they were gon na schedule a call back for a dispute analysis to discuss with me about appealing but they lied about that too they never contacted to me back they never did anything but ignore my situation.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/XXXX consumer stated that mortgage with XXXX XXXX XXXX mortgage was transferred and is still reporting open my consumer report there is also a delinquent status being reported to which XXXX XXXX no longer has servicing rights not has any right to report on my credit report this loan was transferred/sold to another services therefore this account should be reporting as closed on XX/XX/XXXX wells fargo responded stating. We incorrectly reported the account as delinquent in XX/XX/XXXX. We have sent an update to the reporting agencies to show the account was service transferred with a {$0.00} balance for the XX/XX/XXXX reporting. The servicing of the account was transferred to XXXX XXXX on XX/XX/XXXX. I'm glad we spoke about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 

as of XX/XX/XXXX original concern of incorrect information has not been updated but re-reported as 30 days past due/delinquent when on XX/XX/XXXX wells fargo stated that they would remove and fix current information. upon further investigation wells fargo has also reported further inaccurate and incomplete information
Consumer complaint received 2024-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

Sears Mastercard charged {$640.00} to my account listing Sears as the merchant and has refused to credit my account even though I never charged anything at Sears. They denied my appeal and have provided to information as to why. I was hospitalized during the period when the charge was made.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXXXXXX XXXX XXXX 60 days in XX/XX/XXXX, XXXX XXXX  90 days in XX/XX/XXXX, XXXX XXXX  120 days in XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/, 2023, XXXX XXXX admitted liability in exceeding the XXXX rates of the State of Massachusetts. On XX/XX/XXXX, the CFPB announced an action against the Bank of America. These are money-center banks, with exceptionally first rate people, helping our families and our Communities to even in the midst of the most difficult of times. XXXX remitted interest and fees to be within the XXXX laws of State of Massachusetts and Bank of America should be allowed only the same decision, without monetary penalty or fines. XXXX XXXX and XXXX XXXX  set their own standards by law already. ; I want XXXX to do well. XXXX XXXX also agreed to the following stipulations on a " best effort '' basis. XXXX ) Loans would receive an incentive, provided no deflation, for Gross domestic product creation-measured by the 5 or 6 different Federal Reserve districts the Banks lend in. This incentives loan, equity, and capital ratios to further achieve production, and increases the strength and value of all loans in the loan portfolio. We save ourselves and our Banks if we can increase gross domestic product creation. XXXX ) On a best efforts basis, XXXX XXXX and XXXX XXXX will find a way to help workers with some transportation costs, to get back to our beautiful cities, our XXXX XXXX, XXXX, and XXXX XXXX XXXXXXXX. This saves our commercial real estate portfolios. And saves our Banks and our Governments. As Bank of America is essentially of violating various XXXX laws, just like XXXX, I ask that the decision be more searching, not as a fine, but as stipulations on a " Best efforts basis '' to build our economy, our lifestyles, and our work. Bank of America is hard-working and first rate, and I know that the Bank of America XXXX just like XXXX will do this. I ask that the decision as against Bank of America be amended to follow current decisions and that the CFPB obtain from Bank of America the most valuable of all concessions- the best efforts pledge to incentivize whenever gross domestic product creation. Our Country does deserve the independence of XXXX and XXXX XXXX and their guidance, as we restore our Country, our values, and our way of life. Please send me an email when BOA is contacted, please tell them of XXXX. Thank you.
Consumer complaint received 2022-08-10
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. (LA)

please remove fraudulent/ unauthorized closed account ( XXXX XXXX XXXX XXXX ) Opened Feb 2020 off my report or provide proof in writing within 30 days
Consumer complaint received 2021-04-23
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: ERC (TX)

These accounts were sold. According to my findings, I am no longer liable for the supposed debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-07-12
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. (MI)

XXXX XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice of Dispute Regarding Inaccurate Information on Consumer Reports Dear Sir/Madam, I am writing to dispute certain information contained in my consumer reports, as furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian. I believe that the information on my reports is inaccurate and is negatively impacting my creditworthiness. This letter serves as a formal notice of dispute and a request for investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
I have enclosed copies of my consumer reports from each of the aforementioned credit reporting agencies for your reference. The inaccuracies I wish to dispute are attached addressing each CRA I hereby request that XXXX, XXXX, and Experian conduct a thorough investigation into the disputed information. As per the FCRA, I expect a reasonable investigation to be carried out, with a response provided to me within 30 days of receipt of this letter. I kindly request that all three credit reporting agencies work together to ensure the accuracy of my consumer reports. 
Additionally, I request that XXXX, XXXX, and Experian provide me with written notifications of the investigation results and any corrections made to my consumer reports. If any changes are made, I further request that updated and accurate consumer reports be furnished to me without delay. 
In accordance with my rights under the FCRA, I also request that XXXX, XXXX, and Experian provide me with free copies of my consumer reports within 15 days of the completion of the investigation, if changes are made. 
Furthermore, I request that all three credit reporting agencies implement reasonable procedures to prevent the re-reporting of the disputed information in the future. 
Please note that this dispute pertains solely to the inaccurate information described above. I am not disputing any other information contained in my consumer reports at this time. 
I appreciate your attention to this matter and your adherence to the provisions of the FCRA. Please provide me with written confirmation of receipt of this notice within 10 days of receipt. I trust that XXXX, XXXX, and Experian will handle this dispute and investigation with the utmost professionalism and resolve it in a timely manner. 
Thank you for your prompt assistance in resolving this dispute. 
Yours sincerely, XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I have disputed credit accounts that I never opened but dispute results stated that the accounts are verifiable and therefore can not be deleted. I had no income at the time that these accounts were opened, in fact I was basically homeless at the time so it would not have even been possible for me to have even gotten approved to open any credit card accounts. The last ten years I spent homeless I had my socal security card has stolen 10 times along with two birth certificates and multiple driver 's license. Now that I'm not longer homeless and somewhat working using XXXX I was applying for a business loan or a credit card to start a business and was denied because of poor credit when I checked my credit report almost all information on it was inaccurate there were accounts that I never opened that have now ended up in collections. I don't understand why these creditors didn't check a little better and found that I had no income but instead they approved credit accounts to be oped in my name and they allowed my credit score to become damaged. It's their responsibility to check for income and verify identity before approving a credit card. I was unemployed I had no income at all so why did they allow credit cards to be approved, and when I dispute them the results come back as being accurate. They need to fix this as soon as possible because now I can't buy a car, rent an apartment, get any credit cards, start a business get a phone auto insurance because of them not verifying my identity and income. Even after I disputed inaccurate information and accounts not being mine explained that I had had social security cards, driver 's license and birth certificates stolen they still wouldn't fix my credit and send accounts to collections.
Consumer complaint received 2022-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (MD)

I took initiative to start working on my credit and noticed on or about XX/XX/XXXX that there was a debt collection from Vance and Huffman LLC on behalf of XXXX XXXX reflecting on my credit report. Unsure of the process and what was going on exactly, I began to dispute this with the credit bureaus. After attempting these disputes and talking with an XXXX representative where I explained the circumstances we were able to to determine that I am indeed a victim of identity theft. I did not authorize the purchase or opening of an account and believe that someone from my neighbor did so without my knowledge. I am currently working with the collection agency to resolve this issue.The account was opened in SC on or about XXXX per the agency and the address on file is the address for my grandparents home which is the family home and well known to the community. I have never used that address in my adult life and have been living in XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Experian- Is reporting XXXX XXXX on my acct. I've demanded them to remove it because it's a business account that was never created by me, which also lead to other accounts in my name and on my Bureau, that aren't mine. Upon contacting XXXX XXXX they've stated, I needed to simply contact the 3 reporting Bureau 's and it would be deleted. However the Bureau says they won't remove this information. I've been fired from my career over this information being on my credit and denied home loans because it dropped my score by XXXX points. Plus the Bureau have my social first number as XXXX, which alerts lenders of my race based on the first number being a XXXX or XXXX, so I've been told by a Bureau expert. 
I need these items removed from my report. 

Thank you
Consumer complaint received 2024-11-17
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Kovitz Shifrin Nesbit, A Professional Corporation (IL)

I, XXXX XXXX XXXX, entered into an agreement with XXXX XXXX XXXX regarding unpaid annual HOA assessment fees. Since XX/XX/XXXX, I have been trying to pay off the debt following bankruptcy advice from a previous attorney. On XX/XX/XXXX, I agreed to a payment plan to settle the past balance of {$1600.00} within 12 months. I sent the first payment overnight on XX/XX/XXXX, addressed to XXXX. As the time for the XXXX payment approached, I realized I did not have sufficient funds, so I contacted XXXX to request a few days ' extension. She informed me that XXXX XXXX had canceled the payment plan and was now demanding full payment upfront, which I am unable to provide at this time, hence the reason for the payment plan. XXXX failed to notify me of this cancellation ; I only learned of it when I asked for the extension in XXXX. I believe my request for an extension is reasonable, as I am not avoiding the debt. I have limited income and must manage other bills accordingly.
Consumer complaint received 2022-09-19
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)

There was a mixed credit file that I became aware of back in XXXXXXXX XXXX XXXX. After years of fighting with the credit bureaus and sending over documentation to correct this issue, their negligence has caused so much distress. Credit card companies, hospitals, debt collectors, etc have confused my identity with someone else because of this mixed credit file. We have had multiple situations like XXXX XXXX merging my credit card account with someone else. I have also had hospital bills put in other persons name/insurance. I could not resolve the issue because my personal medical information was under someone elses social security. Some of these hospital bills took months, years to fix, thus preventing my insurance company from back paying these bills due to a limited time period after my social, name, address was verified and adjusted. I have filed disputes with the bureau regarding some collections and false credit reporting and have been denied any kind of resolution. Hippa complaints have also been filed. The bureaus have compromised my identity, personal information, and privacy due to irresponsibility/negligence. We have consulted with an attorney for a possible lawsuit but have not yet hired a legal representative.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!