davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (NY)

I have had occasional suspect purchases over the years that have been made electronically through my checking account. The amounts never exceeded more than $ 500- {$1000.00} and were usually flagged by the bank and the money was credited back to me. However, recently I decided to switch banks and when I went to open an account I was flagged by Early Warning Services , Inc. for " account abuse, '' reported by XXXX XXXX, a bank I have never used before. Upon further investigation and after receiving the Early Warning Services report I saw numerous occasions where my social security number had been used to open accounts using banks I have never used before. My name was correct, my social security number was correct, however most other information such as Email address, physical address, Driver 's License information, was inaccurate. In all cases the accounts were open for up to a couple years but had been closed. There were about 4 or 5 such instances. I have filed a police report and am waiting for the detective to complete it. In the mean time he has issued me a Police blotter. I can provide whatever documentation you would like to see.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act CXXXX 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 2022-03-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-12
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. (GA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

XXXX reporting my name incorrectly as XXXX XXXX XXXX. 
I repeatedly requested them to make correction and submitted proof of my name and address. I requested them any other incorrect names and addresses appear on the credit report they are providing.
Consumer complaint received 2022-08-12
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. (GA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX. I believe it was reporting in error. 
XXXX XXXX Balance : {$7900.00}
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-04-13
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. (DE)

XXXX XXXX, Account # : XXXX, is still reporting incorrectly. This account has been PAID IN FULL and CLOSED by " XXXX '' from XXXX XXXX 

XXXX XXXX XXXX XXXX is still reporting my credit card balance as {$1000.00} on both XXXX and XXXX but has been paid down to a balance of {$36.00}. Account # : XXXX
Consumer complaint received 2022-10-22
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$35.00} ; XXXX  XXXX Balance : {$33.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Recovery Services, Inc. (GA)

XXXX XXXX this Quality Recovery services reached out on behalf of XXXX at XXXXXXXX XXXX that I had a balance of XXXX. The date open is not correct, date last active is not correct on XXXX credit reports, date of last payment is not correct on XXXX credit Report. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

Im ready to buy a home for my children. Im a XXXX XXXX and this collection with false statements are holding me back.
Consumer complaint received 2022-07-11
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. (AL)

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 2021-06-27
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)

Please see attached FTC as Ive been a victim of identity theft. Someone use my information to get medical care I believe. The following accounts are fraudulent 1. XXXX Ive never done business with this company or entered into a signed contract. 
2. XXXX XXXX XXXX XXXX XXXX XXXX  ) $ XXXX {$1000.00} Ive never done business with this company or entered into a signed contract with this company. 
XXXX also added accounts to my credit had been removed from XXXX XXXX XXXX, which was fraudulent and blocked from my account. XXXX didnt give a 5 day notice before adding an this account to my credit which is fraudulent!! 

Please see attached ftc report, as its also a number of fraudulent inquiries on my report.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

First of all I want to say how devastating  this has been for me and the stress of simply trying to recover my money its been more than 5 months almost so I made a claim in which I sent in the police reports which is 2 of them Ive also included the detective number in my case Ive also included multiple pictures of my place of living being broken into and vandalized and stolen information like passwords and pins my social and Id, phones etc that were stolen from me and Ive included the police department number and case id and a message stating that the suspects have been arrested in my case therefore I dont see why I havent gotten credited and a bunch of Misinformtsion in regards to my claim. Stating that theres no post yet that it will be in couple of days n then saying that it was posted and its been withdrawn but then Ive never received a value alert Im still currently as of XXXX XXXX  stating that its still under review but when I talk to a rep they say the money has been posted n deposited its been a living nightmare Ive also applied for the emergency cash to see if o can receive something meanwhile case gets investigated and nothing nothing at all Ive received no money and this case has been going on since XXXX edd my only financial support as of the moment and havent been able to get any of my money since XXXX its insane I have pictures detective number police report to prove my case
Consumer complaint received 2024-11-24
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank America is not crediting my account for fraud. Someone bought XXXX backpacks from XXXX different websites in one day and they're only crediting me for XXXX. They said I had knowledge of the other backpack being bought from XXXX somehow. The person made an account with XXXX to buy XXXX of the backpacks, but used a pre existing XXXX account buy the other backpack. I suspect they're not honoring the fraud because an account I already had made made XXXX of the purchases. XXXX backpack was sent to XXXX and the other to MA. I dont agree with Bank of america not refunding me for both. I had reported both immediately and did stop payments to the vendors after I saw recurring payments were bing set up too.
Consumer complaint received 2022-10-22
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: California Business Bureau, Inc. (CA)

I looked at my credit report and found that I have XXXX accounts in collections. I was never made aware of any debt nor do I know where this debt came from
Consumer complaint received 2023-03-23
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. (MS)

XXXX trans union and XXXX have not been completely moving old accounts from my credit report and even ones I submitted on there website stating those things werent mine but never got responses and I want them removed immediately and automatically because its a brand new year and I submitted and complained last year to only still have those things on my report something I dont recognize on my report as well
Consumer complaint received 2023-03-23
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

This letter is being sent to MERCANTILE ADJUSTMENT BUREAU ( XXXX ) in response to a computer-generated, unsigned letter dated XX/XX/2022, a letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
Consumer complaint received 2021-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2022-06-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Kikoff Inc. (CT)

I was alerted to a new account on my credit report which I did not open. I reported the fraudulent account to the company and no action has been taken to close the account and remove it from my credit report. My credit monitoring says a new account was opened at Kikoff Lending on XX/XX/2022. I received the alert for the new account on XX/XX/2022. I contacted Kikoff customer support on XX/XX/2022. Kikoff customer support asked me to fill out an affidavit relating to the fraud. No action has been taken since. I have not been updated on the progress of the investigation and nothing has been said about freezing or closing the account.
Consumer complaint received 2022-06-20
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: TRANSWORLD SYSTEMS INC (NV)

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Here 's my certified mailing tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
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. (NY)

Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be removed immediately.
Consumer complaint received 2022-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc. (CT)

I called Comenity Bank to pay off my loan with XXXX on XX/XX/2022. Multiple times throughout this process, I was pitched " promotions '' and even told I could not pay off the loan at that time. Finally, the Customer Support Representative allowed me to pay off the full balance of the loan, after I threatened to complain, and was told the entire balance of the loan was removed -- that there would be no further charges. Fast forward to XX/XX/2022, and there are multiple interest and finance charges totaling {$29.00}.
Consumer complaint received 2023-03-28
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)

In accordance with the Fair Credit Reporting act. The following accounts have violated my rights. The inaccurate reporting has affected my ability to purchase a home or get financing. I am an XXXX XXXX XXXX with XXXX  I feel taken advantage of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Act,15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ), 12 CFR 1026.10 ( f ) I have tried to resolve these matters with the bureaus & CFPB. I submitted the complaint on XX/XX/2023. It has has been XXXX since submitting complaint and there's no action. All I get is letters from them to discurage me from seeking justice. 

According to 15 USC 1681n ( a ) ( 1 ) Any damages sustained by the consumer as a result of the failure or damages will be compensated. 

As a result of this I want all fradulent accounts removed from my credit report immediately with {$1000.00} dollars per violation. This level of injustice has tarnished my ability to get financing for a home for my family or even be able to apply for credit.
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (DC)

he company listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a balance of XXXX which is an incorrect balance. It was sold to them by the original creditor and has been updated. to paid {$0.00} balance. I never consented to having my personal information sold a collection. Until recently the account was listed as a open charge off. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. The actual balance originally owed was reported incorrectly to XXXX by XXXX XXXX. Per the Fair credit Reporting Act because of this the this item should be completely removed even thought the amount is now been update to a {$0.00} balance. Have it being reported at a higher amount has damaged my credit due to this simple mistake im requesting that it be removed immediately from all 3 credit reporting agency 's I've reached out to all three credit reporting agencys several times with documentation of the actual balances and nothing has been done about this in the legally require time to correct this the company 's own statement of account shows the correct balance amount. This is not " fair credit reporting '' by increasing the amount and should be deleted