davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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. (AR)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Remove the following items as soon as possible : 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 Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$710.00} XXXX XXXX XXXX XXXX Opened Sep. XXXX, XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3.00} XXXX XXXX AND XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2000.00} XXXX XXXXXXXX : Bankruptcy Reference Number XXXX XXXX XXXXXXXX : Bankruptcy Reference Number XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Account XXXX : XXXX. Department of XXXX Account Amounts : {$3900.00}, {$4800.00}, {$3500.00} XX/XX/XXXX I disputed this account with all three credit bureaus, XXXX, Equifax, and XXXX on XX/XX/XXXX the credit bureaus have since updated my report to reflect that the account has been forgiven by the government. Not only are there inconsistencies on the reporting of this account, this account should not be reflected on my credit reports according to the FCRA because this account is not accurate. 

Please investigate if all information is correct. If not, please remove them from my credit report. In your findings, you may see how this account should not be reflected on my credit report. The last status that you have reported is : Current account/was a collection account, insurance claim or government claim or terminated for default. Please delete this account
Consumer complaint received 2023-02-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

In XX/XX/2022 my daughter got a letter stating her lease payment wasn't made. Once she learned of this she immediately paid it. She ended up paying two months at once which is provided here too and the amount was {$920.00}. This is not my account and I disputed it with the credit agencies but they won't help. XXXX doesn't send any communication to me so I had no idea. She had issues with her bank account and they put it on her credit and mine. In the attachments I provided, you can see that she got the automated message saying thank you for your payment but never got any correspondence after that so she didn't know their was an issue. I don't think it's right to ding two people for one mistake. I've never made a late payment and this should not be reflected on my credit. I'm asking for help in removing this.
Consumer complaint received 2023-02-01
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. (IL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX : {$390.00}
Consumer complaint received 2019-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (RI)

I received a collection notice for " XXXX XXXX '' which is my married name and my XXXX name, but I do not use it on any credit applications. 
The debt is {$180.00} plus {$17.00} interest. The holder is supposedly XXXX XXXX XXXX XXXX. 

This is not a valid debt. The collection agency ( Collection Bureau of America ) has failed to provide proof of the debt.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

My account was placed in a debit only state by USAA due to needing to submit ID for identification. This was on XXXX XXXX. ID was submitted and told it would take XXXX for the status to change. Today is XXXX XXXX and I have called back XXXX  times and being told the same thing. Today upon speaking to someone, they said it could take up to XXXX more days to get access even though identification was accepted and authorized. At this point it is getting ridiculous. I would double think opening an account with USAA as they are not as military friendly as it seems. They do not care about our well-being clearly.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NM)

The latest effort to collect a debt - XXXX thus far in the past year - is based on yet another fraudulent utility account originated in the state of Texas. Although they have been from various utilities, I have repeatedly requested that Online Information Services ( OIS ) flag my name/account information and refer back this back to the utility company making the claim should more collections notices be originated. 

During the course of the previous fraudulent account collection, their personnel notified me this would happen. Now, during the current collection process via XXXX XXXX XXXX ( letter dated XX/XX/23 ) and after contacting OIS, I was then informed, " No one here would make that claim '' nor promise such an effort. " We just process the collection requests from the utility company. '' So, in fact, OIS misrepresented their capabilities and their efforts. 

The summation is this : if collection agencies do not play an active role- along with utility companies and others- in helping preliminarily flag highly suspicious collections activity based on historic activity, the ability to pursue and apprehend fraudsters is almost certainly a moot effort.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In XXXX, I opened an HSBC account checking with my wife XXXX, as well as an investment account for my ROTH IRA. The checking account came with two debit cards ( one in each name ). XXXX has never used her card and it has never left the house, but we were just contacted by HSBC about potentially fraudulent charges. There have been two charges at an XXXX store in XXXX, CA first on XX/XX/XXXX, and a second that shows as posting XX/XX/XXXX. These were accepted by the bank, but then an attempt was made to charge a hotel room ( XXXX XXXX ), and this was blocked by the bank, triggering a call.. We know that the card has never left the house, and has been locked away in a drawer in our desk. It has never ben used online, and has never been attached to any payment service etc, and we have never recorded the card number in any written or electronic document. We are certain that the card information has not been stolen from us so I have to conclude that somehow the information came directly from HSBC bank, or some affiliate. I have told them this, but I have no confidence that they intend to investigate this. The amounts were small, but if this information leaked from the Bank, then this is potentially a very serious issue.
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (AZ)

I did not get any paperwork prior to XX/XX/XXXX when TSI placed this account on my CRAs. The correct paperwork was supposedly sent in XXXX, I never received that either. Regardless, if I had 30 days to validate the debt from XXXX, it should not have been placed on my CRA in XXXX. This is illegal and I want this collection removed immediately! Customer Service dd not apologize o anything, they were just pressuring me to make a payment. I want this as a pay to delete not updated!
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 and I am filing this complaint for falsely reporting misleading information.There is no XXXX  party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-05
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. (GA)

XXXX XXXX XXXX XXXX Account # XXXX Date Opened XXXX XXXX, 2022 High Balance {$59.00} Unpaid Balance {$59.00} Placed for collections In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXXaccount # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A .states I have rights 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 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

I am writing to express my frustration and request your assistance in resolving an issue I have been facing. On XX/XX/XXXX, I attempted to deposit {$1800.00} at XXXX of your ATMs. Unfortunately, the machine was malfunctioning and did not properly process my deposit, but it took the cash and never became available in the account. 

It has now been almost XXXX weeks since the incident occurred, and I still have not received my funds. I have been in contact with Chase representatives several times, but have not yet received a satisfactory resolution to the issue. 

I am extremely concerned about the status of my funds and the lack of progress in resolving this matter. I have already taken time off work and invested a significant amount of effort into trying to resolve this issue, and I am eager to receive a resolution as soon as possible. 

I would appreciate your prompt attention to this matter, and look forward to receiving an update on the status of my deposit. I would be happy to provide any additional information or clarification that may be necessary. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, 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. (MN)

I have been listed as an authorized user on an account. This account is not being reported on XXXX  or Transunion, only XXXX  This account should be reported. 

XXXX XXXX  XXXX Card Account number : XXXX XX/XX/2014 ( 6 yrs, 6 mos ) CONTACT INFO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (CO)

Hi, I was falsely tricked into setting up an account at XXXX by the employees. First off I was XXXX at the time of the account being opened. The workers told me that even though I wasn't 18 that they could work around it, and i'm most certain that they lied on the paper work to get me approved. I would appreciate it if you could look more into the case. The workers uploaded my ID at the time and I was XXXX so the time frames should match
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ME)

In XXXX of XXXX, I received a monthly statement from my credit card issuer, Comenity XXXX XXXX. I mailed a check, for the full amount, {$670.00} on XX/XX/XXXX. Upon receiving my XXXX statement, it showed that my payment had not been credited and a late fee and interest had been assessed. I called the company on three separate occasions during the next week to see if the payment had been received. My account reflected that the payment had not been credited and I was told it had not been received. At that time, XX/XX/XXXX, I made an ACH from my bank directly to Comenity for the full amount due, {$1000.00} ( XXXX and XXXX statements ). Upon being given a confirmation number by Comenity for this transfer ( XXXX ), I proceeded to cancel the credit card and close my account. Today I received a statement from Comenity informing me that I owed a {$25.00} for a returned check. I find it very coincidental that a check that was mailed over a month earlier " appeared '' on the next business day following closing of my account and payment-in-full of the outstanding balance. Why would a company deposit a check for an account that no longer existed AND was paid in full? In my opinion, what has transpired is simply a ploy to generate an illegitimate fee.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ARVEST BANK GROUP, INC. (AR)

Around XXXX I opened an account with my XXXX on as an authorized used with a debit card, XXXX had a past child support order from XXXX, we married in XXXX and I did not think they would XXXX my bank account due to XXXX wages being garnished. 

On XX/XX/XXXX I was checking my account online and noticed LEVY for {$73000.00} How California LEVY my account as the primary person and XXXX on the account and this Child Support Case is XXXX XXXX XXXX and I never knew the XXXX  then, I marry an individual XXXX lays all this out to me and California Child Support Services include me and garnish all my rent and bill finances that I earn to pay our bills for living? This should be illegal! 

I have to be subject to my XXXX for an incorrect child support amount while they garnish XXXX wages and put a XXXX after XXXX years of marriage? This is unlawful! 

I need answers from ARVEST Bank and California Child Support Services. 

My personal individual tax return is at stake for something I have nothing to do with.
Consumer complaint received 2021-02-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2020, I sent a letter regarding innacurate and unknown thing on my credit report to the 3 bureaus, XXXX Equifax, XXXX To this day over 45 days later I have not received a response yet. Section 611 ( a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report that was inaccurate and unknown that I was disputing. It has passed the legal limit stated by section 611 ( a ) so it should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.
Consumer complaint received 2019-06-13
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. (MS)

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX XXXX, DEPT OF ED/XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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. (CT)

This is my other 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 items : 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 2020-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

On XX/XX/XXXX I received a notice from XX/XX/XXXX that 5 new accounts were reporting negatively on my credit report in the total amount of {$4100.00} and $ XX/XX/XXXXI saw 5 different collections from the same Collection agencyXX/XX/XXXX for outstanding medical bills from 6 years ago. I never ever received anything from the Original Creditor stating that I owed anything. I did have medical coverage and since I never received a bill I didn't even know I owed anything. I have disputed this several times via both XX/XX/XXXX and all three credit reporting agencies online and in writing only for them to send back a report stating " Account information disputed by consumer, meets FCRA requirements '' I have requested validation from the collection agency on XX/XX/XXXX for them to send me anything from the original creditor with my signature agreeing to pay this alleged debt. They sent back their version of a validation letter on XXXX XXXX XX/XX/XXXXXXXX the letterhead with various dates of service, but nothing really verifying that I agreed to paying this debt in writing with my signature on it. I have asked both the Credit reporting agencies and the collection agencies to send me something with MY signature on it to verify this debt and I keep getting the runaround.