davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (TX)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX This account is inaccurate Please delete this account and delete this immediately
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

I've been trying to get a mortgage loan. The company I used says they used XXXX to pull all 3 reports. I was tod that that Experian report was locked because I was active military. It also showed my date of birth as XXXX, my date of birth is XX/XX/XXXX. It had many other mistake as wll. Every time I found a new issue it would start the clock over on their system to update. I made at 10 calls to correct issues. Finally on XX/XX/XXXX I was told everything was corrected. I checked today and still can not access my score, and information is incoreect. I don't want to call them again because they will start a new dispute and the clock stars over again. I've never been in the military. I called Experian and was told that these issues were corrected and it would take about 30 to 45 days to reflect my report. I don't know what else to do. Interest rates are going up. PLEASE HELP. The other 2 bureaus are showing updated accounts.
Consumer complaint received 2022-07-11
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. (LA)

Recently I checked my credit report and noticed multiple billing errors still being reported after disputing the inaccuracies with Equifax. On XX/XX/XXXX I submitted a dispute to Equifax certified mail regarding late payments on my XXXX  loan accounts. The inaccurate accounts were updated paid as agreed/Never late and the inaccurate comments where deleted but still aren't you supposed to ensure that everything is reporting accurately? The account history on these accounts still shows 120 days late for XX/XX/XXXX with a status code of XXXX in the new credit report I have received. I requested that ALL inaccurate payment history be deleted not just some of it. There should be no late payments on these accounts when I did not have a payment plan to begin with. I was on an {$0.00} IDR deferred repayment plan so this is clearly a billing error. Equifax is reporting that I paid 120 days late in XX/XX/XXXX without reporting late payments in the previous months. How is this even true because I can't be 120 days late without first being 30, 60, and 90 days late in the previous months. These accounts do not meet the FCRA requirements and I want my report immediately updated to paid as agreed/Never late and to please delete the inaccurate comments along with ANY late payment marks/remarks on my credit report for these accounts. Equifax also did not produce a dispute report at the end of the dispute so I can have a copy for my records. The items below immediately need to be updated to paid as agreed/Never late on my credit report and Equifax to immediately delete ANY late payment marks/remarks and the inaccurate comments from the accounts. # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2022-12-29
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Original Creditor : XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
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. (CA)

Dear Sir/Madam, I am writing to bring to your attention a serious issue with my credit report that has been causing me considerable financial harm and emotional distress. It has come to my attention that XXXX, XXXX and TransUnion, the credit bureaus responsible for maintaining my credit history, have incorrectly reported a bankruptcy on my credit report that does not belong to me, despite providing all necessary proof to demonstrate that the bankruptcy is not mine. I have already reached out to each bureau multiple times. I have submitted a letter from XXXX XXXX where XXXX XXXX has removed this false information from their files, yet the bureaus are refusing to comply! 
I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) obligates credit bureaus to ensure that the information they report is accurate, up-to-date, and complete. The FCRA also requires credit bureaus to investigate disputes within 30 days and, if the dispute is found to be valid, to promptly correct the erroneous information. 
In my case, I have complied with all the requirements of the FCRA by disputing the inaccurate bankruptcy information and providing all the evidence to show that the bankruptcy is not mine. However, the credit bureaus have failed to correct this error on my credit report, which has resulted in significant financial harm to me. 
I would also like to draw your attention to the Consumer Financial Protection Bureau 's ( CFPB ) mission to protect consumers from abusive and unfair financial practices. I believe that the credit bureaus ' inaccurate reporting of the bankruptcy on my credit report violates this mission, and I would like to request that you investigate this matter and take any necessary action to ensure that the credit bureaus promptly remove the erroneous information from my credit report. 
I kindly request that you inform the credit bureaus to provide me with a copy of my updated credit report after the erroneous information has been corrected. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX attached are the same bs letters they keep sending me, along with the XXXX UNVERIFIED AND REMOVED letter. than you!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

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 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

on XX/XX/2022, i went to a branch to opened a checking account with XXXX XXXX, i deposited my work check of {$800.00} dollars, the funds were deposited and i could see those funds when i log into my account, i was told i would received a debt card in the mail 5-7 business days after opening the account, today is XX/XX/XXXX and i have not received a debt card, my rent was due on XX/XX/XXXX and now i'm late and was charged a {$58.00} late fee from leasing office and a notice to evict, i work overnights long hour shift, so that made it difficult for me to go inside a branch to load cash. 

each day i called the wait time exceeded 30 mins and call just looped over and over, finally today XX/XX/2022 i spoke with different customer service reps with 5th third and was told the debt card was sent out on XX/XX/XXXX and it will take 5 - 7 Biz days, yet i opened the account XX/XX/2022. 

I believe 5th third is holding my money XXXX and i urgently need access. 

i can not pay my rent, i cant buy gas or food, because i have no card to pull money from.
Consumer complaint received 2022-08-31
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. (NC)

I have disputed and ask for validation several times with XXXX, transunion, and XXXX regarding the company called XXXX XXXX XXXX that has reported entries on my Credit report. We learned today, by looking at the complaint and their response files through CFPB that XXXX XXXX XXXX has no supporting documents and did not, were not able to, produce any validation documents as outlined in the complaint. This shows that all credit bureaus have continually failed investigating my disputes and requests for validation time and time again. I would like all three Credit Bureaus to be censored and formal record made relating to this complaint. The statement made by XXXX XXXX XXXX Today ( they have ask their client to send documents to me ) is against all logic and non complaint with regards to Having all necessary Documents on file to Support furnished reports to the credit bureaus And to provide the validation requested just like I did through the CFPB and not one file or Document was provided as required for validation and accuracy of these long reported furnishings. 

Thank you CFPB for bringing this injustice to light after several years. 

The following documents attached supports this complaint and I ask again at this time for XXXX, Transunion, and XXXX to delete all entries reported by XXXX XXXX XXXX in my credit file immediately.
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (PA)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2022-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

I'd recieved a call from number XXXX, there was no message left and the call disconnected before I could answer - this call came at XXXX XXXX  the XXXX  after I'd contacted my XXXX XXXX representation. The VA XXXX assured me my medical debt was cleared and I have no outstanding bills, it'd seem like the debt collector isn't doing things on the level and someone is trying to scam military vets. 
After I'd spoken with the VA XXXX  about HRRG sending me a letter saying that I have an outstanding medical debt, the VA representative said that the account the debt collector was referencing was paid a d closed in XXXX, but I've received letters and constant robo-calls from people threatening me with legal action. My debt was sold to HRRG was by XXXX XXXX XXXX And HRRG sent me a letter in XXXX saying my debt would be forwarded to ARS Account Resolution - another branch of HRRG. This shouldn't be possible since the VA confirmed that charity care was applied to cover that balance in XXXX. I'm asking please put an end to the calls and letters being sent since the balance was paid and I'm absolutely upset that the first Monday morning I'm called by debt collectors when just last Friday I'd had two VA reps verify that the claim was no longer open since the debt was paid. There's something strange about XXXX XXXX calling and hanging up before anyone has a chance to answer and I'm not going to call back in the event that they'll try phishing for personal information.
Consumer complaint received 2022-05-27
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. (NC)

This company XXXX XXXX XXXX has placed several medical debts on my account for dates that in no way possible can be accurate, they are reaged by more than a year. This company and other fraudulent companies like it ILLEGALLY re-age debt to when they received the debt not the date of original delinquency which is required by law. Every filing they have on my credit report is federally illegal due to re-aging of debt. Transunion is guilty of ignoring disputes and marking them as accurate when they don't bother to investigate at all.
Consumer complaint received 2022-05-27
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. (NV)

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. Account is still showing an outstanding balance. This is now a zero  balance account since there was a settlement reached and it was paid in full for the discussed amount. Due to XXXX failure to update in a timely manner this account is to be removed completely from my reports.
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. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (PA)

I signed up for a fitness program call XXXX XXXX XXXX XXXX  ACCOUNT XXXX. THE NATIONAL RECOVERY AGENCY IS ATTEMPTING TO MAKE ME PAY {$730.00} FOR A MEMEBERSHIP I EXPLAINED TO THEM THAT I COULD NOT LIFT MORE THAN 25 LBS AND THAT I SHOULD NOT HAVE TO PAY FOR A GYM MEMBERSHIP IF I COULDN'T PAY FOR IT TO BEGIN WITH. I RETURNED ALL OF THE DOCUMENTATION TO THEM WITHIN THE THREE DAYS OF THE PROGRAM. I VERBALLY STATEED THAT I COULD NOT LIFT MORE THAN 25 LBS THAT IT WAS TOO MUCH STRAIN ON MY SPINE AND STERNUM. 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 2022-07-11
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00},
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX Claim Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) debit card was wrongfully scammed the day of XX/XX/2021 after an authorized withdrawal of {$1000.00} from my account was made at the Walk Up ATM Bank of America ( BofA ) branch at XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. 

According to my BofA Prepaid Mobile Application, the first unauthorized withdrawal happened on XX/XX/2021 at the XXXX branch for {$1000.00}. On the same date, there was also a XXXX XXXX XXXX. Whoever duplicated my debit card information might have thought they could take funds from another bank, which is not possible. 

A total of {$10000.00} was stolen from my account through various unauthorized transactions. Everyday from XX/XX/2021 to XX/XX/2021, funds were stolen in the amount of {$1000.00} ; except for the XXXX which was of {$640.00}. The majority of these funds were stolen at the XXXX branch with the exception of XXXX XXXX, which include XXXX, XXXX XXXX XXXX and XXXX XXXX locations . As seen in my transaction history, I have always withdrawn money from Bank of America locations in the XXXX XXXX XXXX. 

Subsequently, I filed a police report with the XXXX XXXX Sheriffs Station with the report number enclosed separately. In addition, I mailed and faxed my drivers license ( in color ) to the BofA claims department. I spoke to the Relationship Banker, XXXX XXXX, and was told that multiple customers were victims of the same fraud around the same time the unauthorized transactions on my account were made. I also spoke to Finance Center Manager, XXXX XXXX, who informed me that he found a tool with a chip and camera above the Walk Up ATM at the XXXX branch. He then made a statement over the phone to the BofA Claims Department detailing his findings under my claim report. The bank technician came to check the ATMs and he immediately filed a police report as well.
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX # 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 2022-07-11
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. (PA)

My SSN was in the Equifax breech and XXXX XXXXXXXX Breech and my credit has Been ruined ever Since I always had good credit and now I cant even get a bank account or A XXXX pack of gum!!! Please help without credit in American you cant do XXXX buy a house Car nothing please help, Who do I ask for a XXXX?
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (NC)

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$590.00}