davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
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: ATLANTIC UNION BANKSHARES CORPORATION (GA)

XX/XX/2017 ATLANTIC UNION BANK XXXX XXXX XXXX XXXX XXXX FKA UNION BANK & TRUST XXXX, VA XXXX XXXX This company accessed a HARD INQUIRY on my credit report ( S ) and was NOT authorized to do so. The company refuses to remove the inquiry and it has caused undue hardship and added negative effects to my ability to maintain my credit score. This company attempted to take me to court for an action that was not mine and was over ten years old, and this company did not succeed in the attempt per the state of Virginias legal services. Please help me have this removed and compensated for the damage caused.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to formally request the blocking and permanent deletion of the accounts and inquiries listed below from my credit report. I am a victim of identity theft, and under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am entitled to have fraudulent information resulting from identity theft removed from my credit files. 
Please ensure that the following accounts and inquiries are blocked and deleted from my credit reports immediately : Accounts 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 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 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 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 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 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 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 2022-08-21
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. (MO)

In accordance to the Fair Credit Reporting Act, Equifax has violated my rights. They appear to have modified the public record they are maintaining with intent to cause me financial ruin. As of today, they are in violation of the following : 15 USC 1681 Section 602A : Consumer has a right to privacy 15 USC 1681 Section 604A Section 2 : CRA can't furnish information without written consent 15 USC 1681s-2 : CRA continues to report with actual known errors.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (FL)

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 XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original XXXX XXXX XXXX XXXX  XXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX
Consumer complaint received 2024-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (GA)

GREETINGS YOU Never Validated this DEBT with any DOCUMENTS, purchase agreement. You FAILED TO SEND ME CONFIRMATION OF THIS ACCOUNT. I sent you a letter in XXXX stating you to CEASE AND DESIST if you can't VALIDATE the account. YOU are CONTINUING TO COMMUNICATE WITH ME BY DAMAGING MY CREDIT.
Consumer complaint received 2021-05-18
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. (CT)

I have contacted each bureau by certified mail and have unverified accounts on my report. Here are the accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  / XXXX XXXX # XXXX, XXXX. XXXX XXXX # XXXX
Consumer complaint received 2021-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion Falsely Reports These 5 Hard Inquiries XXXX XXXX XXXX On : XX/XX/21 XXXX XXXX, Made On : XX/XX/21 XXXX XXXX, Made On : XX/XX/21 XXXX XXXX, Made On : XX/XX/21 XXXX, Made On : XX/XX/21 On XX/XX/21 I had called TransUnion and had spoke to a Consumer Relations Representative named XXXX at XXXX. 
And had advised him of 5 Hard Inquiries that needed to be deleted from my credit report. 
After talking to XXXX for several minutes ( and going in circles ). XXXX then transferred me over to XXXX, at XXXX from the Specialized Fraud Team XXXX XXXX XXXX a supervisor ). Then after naming these 5 Hard Inquiries again. And after telling XXXX that I followed TransUnions Dispute Process already. XXXX transferred me over to XXXX at XXXX. A supervisor in The Special Handling Department.

Of which did not fix and remedy these 5 Hard Inquiries. 
I've already filed a police report dated back in XXXX in regards to these 5 Hard Inquiries. And TransUnion already contacted these Creditors in regards to a deletion letter. Of which resulted in no response ( Be Advised : The Burden Of Proof Is On The Reporting Credit Agency ).

These 5 Hard Inquiries DO NOT HAVE THE FOLLOWING : 1 ) A SIGNATURE. 2 ) ANY ACCOUNTS ATTACHED. 3 ) PROOF OF VERIFICATION THAT I MADE ; AND OR, AUTHORIZED SUCH HARD INQUIRY. AND 4 ) RELEVANTS TO ME.

But yet still remain on my credit report without these key elements of VERIFICATION.

I'm already preparing a small claims court lawsuit for Defamation of Character.

But in the mean time. And to prevent further damages. I would like these 5 Hard Inquiries. Deleted.

Also please note that a specialist from TransUnion had already deleted other Hard Inquiries before based on the police report. But forgot to delete these 5. Yet TransUnion/the 3 employees named wish to have to me go through this process again.
Consumer complaint received 2022-07-04
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: ID Analytics, Inc. (TN)

upon checking report i notice fraudulent charges on my 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 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
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

For the last 17 years I've had in accuracies on my background report. I have a report that is saying that I have a charge from XXXX that was settled due to conditional plea. I also have two other charges in XXXX and XXXX that deal with XXXX XXXX that are reporting guilty and they were disposed or no contest. This information has always followed me and damage my reputation to be considered for positions that I meet. I have contacted the judicial systems and government agencies about this complaint.
Consumer complaint received 2022-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF THE WEST (CA)

Last XXXX, I applied for a home equity line of credit on my house. The bank ( XXXX ) informed me that I had a collection on my account being reported by XXXX ONLY. It was an collection with " XXXX XXXX XXXX '', and the original creditor was Bank of the West. I called and told the debt collector I have never opened an account with that bank, and they told me the account was opened in XXXX. I live in XXXX  and told them I have only been to XXXX once - 7 years ago when I visited for 3 days for a wedding and I didn't open any accounts or apply for debt. I filed a dispute with XXXX and it was quickly resolved and removed from my credit report. I applied for another mortgage last month with XXXX XXXX, who told me XXXX and XXXX are now reporting this fraudulent collection AND MY CREDIT SCORE DROPPED FROM XXXX TO XXXX. I filed disputes with both XXXX and XXXX and they were both denied. I have worked my entire life for perfect credit, and now this fraud is ruining all my hard work. It's not fair. Please help me, this will cost me lots of money as this new mortgage will now have a rate .5 % higher, due to no fault of my own whatsoever. Thank you!
Consumer complaint received 2022-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (DC)

Chase Sapphire card. XXXX, 2022 I initiated XXXX " My Chase XXXX '' payment plans which had a set fee for 1 nine month in the amount of {$380.00}, and 1 twelve month term in the amount of {$1900.00}. Total monthly payments were {$42.00} and {$160.00} respectively. First payments scheduled for XXXX. flash forward to XXXX I paid these installments, plus the statement balance, plus the month of XXXX 's purchases to avoid them being reported as balance on my credit report. Chase instead paid off the balance of the {$380.00} plan closing it out, about {$1200.00} on the other plan, and none of the XXXX balance. This has caused me to lose money, add interest fees, and completely screw up my very carefully planned finances. Chase refuses to fix their mistake.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (AZ)

The information being reported on my credit report is more than seven years old from the first date of delinquency and exceeds the statutory time period under this Act, and must be removed. 

The SANTANDER USA account 1st date of delinquency is being reported as XX/XX/XXXX on my XXXX  credit report. The actual 1st date of delinquency is XX/XX/XXXX as was reported on my XXXX credit report ( attached ). The actual 1st date of delinquency makes this account over seven years old and therefore outdated.
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I just recently found out there was a lien on my home from a line of credit that was and should have been cleared after my refinancing of my home. I refinanced my home with XXXX XXXX XXXX   around XXXX to XX/XX/XXXX. I received a line of credit from XXXX XXXX for {$25000.00} soon afterwards. My property now shows the same lien filed in XX/XX/XXXX by XXXX. 
XXXX XXXX filed for bankruptcy in XXXX and was bought out by XXXX XXXX in XXXX. I did a refinance with Countrywide Mortgage around XXXX or XX/XX/XXXX. Countrywide of course was purchased before this date by Bank of America. ( enclosed copy of doc. going to Countrywide from XXXX XXXX ) This is strange because XXXX XXXX was out of business in XXXX. I have not been able to find the refinance documents. Bank of America has denied that I was ever with Countrywide or XXXX XXXX. BOA shows a loan modification XXXX XXXX and a refi on the date. If a lien existed at the time of closing it should have been cleared. Now BOA has sold the loan to XXXX XXXX XXXX. The new companies title company claims there is no liens on property which is not true. The lien has been cleared but it still shows and the title companies at each closing claims it is clear. It seems BOA wants to claim it owned the mortgage before any of the liens were applied XXXX to get around their responsibility of making sure the liens were cleared at closings. I have requested documents from BOA without any success.
Consumer complaint received 2019-10-23
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: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX, I'd opened a PayPal Mastercard account ( Syncrony Bank ) and added both my mother and father to the account as additional cardholders with their own personal Social Security Numbers. After finding out within a month or two opening the account, my account information was being reported directly to their personal credit reporting files and a call was placed to Syncrony Bank to remove them from my account. 

I was assured that letters would be sent to all three credit reporting agencies ( XXXX, XXXX and XXXX ). 

Almost 1.5 years later, due to a slight overage of this {$300.00} limit account ( a {$300.00} balance ), a credit monitoring alert was sent to my father this morning ( XX/XX/XXXX ) from a status report made on XX/XX/XXXX via XXXX. 

After several dozen calls and multiple hours of my time, I'd contacted Syncrony Bank ONCE AGAIN to do the process all over as well as send some type of correspondence as such, which they say they will. 

I'd then gone through the process with contacting XXXX and once I'd reached a live operator ( due to supposed 'technical difficulties ' on their website ), I had to formally dispute and add a comment as such.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I submitted a complaint with CFPB about Equifax reporting the wrong address on my consumer report. The inaccurate information was corrected until today XX/XX/2022. That same address that was removed has been placed on my consumer report again instead of my correct address. 
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-06-30
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. (CA)

I sent a letter on XX/XX/XXXX to remove this fraudulent accounts : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and AXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again.
Consumer complaint received 2022-06-30
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. (CT)

Pursuant to section 609 of the FCRA im entitled to records from the credit reporting agency with regard to my dispute against XXXX XXXX. I would like a copy of the certification.
Consumer complaint received 2019-10-23
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. (VA)

On XX/XX/XXXX Transunion reported to an apartment complex that I have a history of evictions and collection actions. None of the evictions are verified as accurate even though I have requested on several times for TransUnion to do so. I have paid off majority of all collections accounts ( minus medical bills ) and it has been well over 30 days and my report has not been updated. I was told that I have a Judgement from XX/XX/XXXX from a property that I lived at in XX/XX/XXXX which I paid off and never was evicted from. I was also told that I have a eviction from when I resided with my mother ( my name was never listed on a lease ; when asked to verify this information such as something with my signature on it Transunion could not provide. All of this erroneous information was giving to the apartment complex that I applied to which is not accurate. I called to Transunion on XX/XX/XXXX and was told all they can do is submit another dispute- this is the 3rd dispute that I have submitted to them. In the meantime I am unable to provide housing to my family because they are passing around erroneous information in regards to my finances.
Consumer complaint received 2023-02-06
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2019-10-23
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: Experian Information Solutions Inc. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.