davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
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. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX I requested a free annual credit report from Trans Union, XXXX, and XXXX. 

Received written reports from XXXX and XXXX but Trans Union responded with a written request for verification of my current address - which house I own, and where I have resided, for 52 years. I called Trans Union and spoke with XXXX, a gentleman, and explained that my street address is correct but included " XXXX XXXX '' which is not correct and this is our single family residence that has been in their file since purchasing the house. XXXX stated he would make the correction. This error surfaced with Trans Union after my obtaining a credit report in XX/XX/XXXX ( that reflected my correct address ) but before obtaining my most credit report in XX/XX/XXXX. As of this date I have not received my requested credit report from Trans Union. 

Upon reviewing the credit reports from XXXX and XXXX the same address error was recognized. 

I telephoned XXXX next because their written report reflected a loan ( or credit card ) with XXXX XXXX in XXXX TX telephone # ( XXXX ) XXXX account # XXXX. Reported, was a high credit of {$740.00} and a credit limit of {$17000.00} with account opening date of XX/XX/XXXX in addition to the " XXXX XXXX '' address error. My telephone call to this number resulted in it being XX/XX/XXXX - with whom I have never conducted business. After over two and a half hours on the telephone, and speaking to five representatives ( all of whom I requested to speak with a supervisor ) I gave up as it became obvious that the representatives at XX/XX/XXXX are not capable of complying with my request for a supervisor. None of the issues have been resolved as of this date. 

Lastly, it is anticipated the same lack of cooperation with XX/XX/XXXX representatives will be experienced therefore, this complaint in seeking a resolution to include XX/XX/XXXX. 

Having over XXXX years in running a XX/XX/XXXX, owning my own XX/XX/XXXX company and XX/XX/XXXX as well as serving as XX/XX/XXXXto the XXXX XXXX XXXX it has become obvious that the credit reporting agencies that are now providing their services are not to be trusted in providing same. 

Your assistance would be greatly appreciated is assisting with the corrections above described.
Consumer complaint received 2020-08-27
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: Experian Information Solutions Inc. (NC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-08-27
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: Experian Information Solutions Inc. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$650.00} XXXX XXXX   XXXX {$0.00}
Consumer complaint received 2020-08-27
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. (TX)

On XX/XX/2020, I filed a chapter XXXX bankruptcy- Case number XXXX. This case is currently active/open. XXXX XXXX XXXX XXXX is included in this bankruptcy, however they continue to report my account as late. On XX/XX/2020, I opened a dispute with Experian due to the late payments being reported by XXXX XXXX XXXX XXXX after the date my bankruptcy was filed. On XX/XX/2020, my XXXX XXXX XXXX XXXX account was reported as a charge off, even though payments are being made through my chapter XXXX bankruptcy. On XX/XX/2020, Experian closed the dispute as information regarding the late payments were accurate. On XX/XX/2020, I opened a new dispute regarding the XXXX XXXX XXXX XXXX account being reported as a charge off. On XX/XX/2020, Experian closed the dispute and said the charge off was accurate. All of this information being reported to Experian is incorrect as the XXXX XXXX XXXX XXXX account is included in my bankruptcy.
Consumer complaint received 2021-08-08
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. (GA)

Equifax is allowing XXXX Bank to furnish inaccurate information on my report! I disputed this alleged charged-off account XXXX before on the here ( The Consumer Financial Protection Bureau website Complaint ID XXXX ) I stated the alleged account has the wrong date of first delinquency with proof of the payment history calendar contradicting the date of first delinquency. Yet Equifax Verified the alleged account. Then sends me a credit report stating the alleged Data furnisher/Creditor has verified that the date of last activity is reporting correctly yet the credit report did not furnish any date of last activity or date closed for the account however they did furnish the same inaccurate date of first delinquency this is inaccurate and incomplete reporting at best!!!

I also Disputed the date of this Alleged account of first major delinquency with XXXX  received the same response. XXXX  XXXX they did an investigation but when they allegedly " updated the account '' The status date was not updated and is still outdated by 3 years which is a violation. 

XXXX  Claims that XX/XX/2018 is the last payment but the alleged payment calendar suggests it is XX/XX/2018 both dates can not be correct and both are not consistent with the alleged date of the first major delinquency shown on Equifax which means all 3 credit reporting agencies are furnishing inconsistent data I demand a reinvestigation on this alleged charged-off account immediately. After the reinvestigation I want this alleged charged-off account deleted immediately If this alleged charged-off account is verified I demand the credit reporting agency to upload/send a method of verification to this consumer portal or to mail it to this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX who I have given power of attorney to, to handle this unethical reporting by the aforementioned credit reporting agencies I want to know who was contacted when you contacted them, the name of the representative who was contacted with the date of the investigation, and the procedure you utilized. Section of 611 ( a ) ( 7 ) states that you must give me : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description listed above.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NC)

In XX/XX/2020, my credit rating score ( XXXX ) was XXXX. In XX/XX/2020, that score dropped to XXXX, a difference of 16 points. The reason given : " No recent revolving balances ''. In XX/XX/2020, my credit rating dropped from XXXX to XXXX, a change of 21 points. Again, the reason was " No recent revolving balances ''. This is a change of 37 points in 2 months simply because I have no balanced on my credit card. I am being penalized for paying my bills in full. This is beyond ridiculous. Currently, there is a pandemic going on in the world, In the U.S.,  people are facing financial hardships, losing their jobs and their income. I chosen earlier this year to ensure I had no debt. Now I am being punished. 

I am presently applying for a mortgage and am not being given the best rate because my credit rating is low ... and I suspect that it will drop again next month. All because I have no debt! 

Stop letting the credit rating agencies XXXX the citizens of this country. These agencies want the citizens to have low credit ratings so that the banks can then justify charging us higher interest rates. It is a big scam.
Consumer complaint received 2023-04-08
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. (FL)

I checked my credit report and noticed several inaccurate items. I have made several attempts to dispute these matters with Experian. Each time I send a dispute in I provide a copy of my drivers license and utility bill. They have sent back a letter stating they don't believe it is me disputing the discrepancies. My first attempt has been over 30 days with no response and my second attempt I got another letter from them stating they are not going to investigate the issues. I am requesting these inaccurate items be deleted from my credit report. ( see attached letters )
Consumer complaint received 2020-08-27
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. (TX)

The FCRA states that all information reported on a credit report must be % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Account # : Incorrect/ inaccurate Date Opened : incorrect/ inaccurate Balance : incorrect/ inaccurate No. of Months ( terms ) : incorrect/ inaccurate High Credit : incorrect/ inaccurate Past Due : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Comments : incorrect/ inaccurate, not consistent Date Last Active : incorrect/ inaccurate Date of Last Payment : incorrect/ inaccurate incomplete
Consumer complaint received 2020-08-27
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: EQUIFAX, INC. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-08-20
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. (NC)

XXXX XXXX XXXX continues to break federal law. XXXX XXXX XXXX is reporting wrong data and different data to all three credit bureaus as you will see in the attached documents. 

With XXXX they are not reporting that this is a medical bill. 

With XXXX XXXX XXXX XXXX is not reporting that the account is In dispute They are misreporting the account type which should be medical billing. 

You will see how they are intentionally and maliciously reporting contradictory data across all three credit bureaus in fact not one report matches another whatsoever! 

With XXXX they are reporting The status as unpaid when this should say closed With XXXX, XXXX XXXX XXXX is not reporting that the account is In Dispute With transunion, XXXX XXXX XXXX are not listing this account as In Dispute With transunion, XXXX XXXX XXXX is not lIsting this account as a medical bill Under account type You will see with transunion the account type is being reported incorrectly as open account when they have closed it with another credit Bureau, and the account type should be medical bill which it is not. 

With transunion, you will see they have not even listed account status, XXXX XXXX XXXX just reports random data inconsistently and inaccurately across all three credit bureaus with no ryhme or reason, and this is illegal and it has gone on for too long! 

With XXXX, XXXXXXXX XXXX is reporting in the account type here collection account completely different than the other two credit bureaus! This should be listed as a Medical Bill as the type! 
And the account status in inconsistent with the other reports cause they just ignored that entry. All together! 


With XXXX, XXXX data is reporting in the account type here collection when they have reported it closed on other Bureau reports! 
This should be listed as a Medical Bill as the type!, And the account status in inconsistent with the other reports cause they just ignored that entry again this month All together!
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (TX)

Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX. 

EWS is reporting inaccurate and erroneous information under my name and social security number which is having a negative impact on my good-name and credit worthiness.
Consumer complaint received 2022-08-19
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. (FL)

Recently went to the car dealership to LOOK for a new car and without my permission, my credit was ran a ridiculous amount of times to a few companies. the date was XX/XX/XXXX that the Hard Inquiries were added. It was added from XXXX different places. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-15
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$350.00} ; XXXX  XXXX  XXXX Balance {$550.00} ; Original Creditor : XXXX  XXXX Balance {$0.00} ; Original : XXXX Balance : {$140.00} ; Original : XXXX Balance : {$120.00} ; Original : XXXX Balance : {$470.00} ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX ; XXXX XX/XX/2022
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (PA)

On the early morning of XX/XX/22, I received an alert on my phone that there was a questionable charge from XXXX that morning for {$150.00}. I called Santander to tell them this was unauthorized charge. That same day, before I received my new debit card, XXXX more charges from XXXX happened on the new card! 

I have submitted the claim 4 times and each time was denied stating XXXX gave them my address and a USPS tracking number that it came to my house. The USPS tracking number does not exist and I never received the product I apparently purchased. 

XXXX is of no help stating this is the bank 's problem. Dispute id for XXXX is XXXX. Last claim number from Santander XXXX. Spoke with XXXX, a manager who's number is XXXX, however, that number goes right to strange message.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery is trying to collect on some alleged debts. The issue is they have furnished inaccurate information to the bureaus. They are not wanting to take responsibility for this issue. I have reached out to them several times. I have filed a complaint with the XXXX also have taken this to the Bureaus at least 5 times. I have supplied supporting documents each time and they keep verifying the information as accurate. This is hurting my credit as I am trying to buy a home. This collection agency refuses to do a thorough investigation. XXXX, XXXX and XXXX  are also failing to do a thorough investigation. I do believe the bureaus are supposed to do an independent investigation in which they have failed to do several times. PRA claims they have no supporting evidence but I have sent in a pic of my credit report as well as statements that show the different amounts. This company calls me a million times from several different numbers to try and collect a debt they've listed on my credit report when the information is inaccurate. This is absurd. 
Lastly I have asked for an agreement from them and proper validation of debt for these alleged debts they're trying to collect. They refuse to send me proper validation. I had some credit cards on my account I did not open they were opened by my ex husband while he was on XXXX Mailing me billing statements is not helping me any. Some of the original creditors have removed the debts from my credit because I did not authorize any cards to be in my name. PRA refuses to send me proper validation of these debts.
Consumer complaint received 2020-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (OH)

This is a copy of the certified letter I sent to PNC. 

PNC Bank XX/XX/20 Corporate Headquarters XXXX XXXX XXXX. 
XXXX, Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Dear PNC Representative, I have been a PNC member for about 20 years when your bank grandfathered me in from National City Bank. I  have had a mortgage loan, home equity loan, checking and savings accounts. 
I mistakenly transferred {$2100.00} from my account at XXXX XXXXXXXX XXXX to a wrong PNC debit card number on XX/XX/20 at XXXX. The wrong number is XXXX XXXX XXXX XXXX. My correct debit card number is XXXX XXXX XXXX XXXX. My finger did not record the # 1 on the third set of four digits. 
When I realized the error, I contacted the XXXX Branch office and requested a dispute process. I understand this process can take up to 90 days. I receive a letter a week later indicating the dispute was resolved. I check my account and see that nothing was resolved. 
For the next several weeks in XXXX and XXXX I follow up this matter with dispute personnel. While the process of this matter is very stressful and frustrating, what is even more frustrating is the conflicting feedback that I am getting with the dispute personnel. 
The Ravenna branch manager indicated on two phone calls that he sees it and will forward it to the correct department to handle it. Another person said that nothing can be done because the account doesnt exist. Another person said that what I did was transfer real money and can not do anything and that people lose money all the time. I asked him to send me his answer in writing to me. He refused. This same person said, We dont have a system to get your money back. I tell him that his answer is not believable because the branch manager told me twice that he sees the error on his database. 
The one common message I am getting from your dispute people is that the process has to start/come from the bank you initiated the transaction. Twice I connect your people with the XXXX XXXXXXXX XXXX  ( XXXX  ) with phone number and name. They spoke. XXXX gave PNC the numbers that were entered and the amount entered indicating the first 6 digits are a PNC account. Again, I get the same message that the process has to begin with XXXX. Just yesterday I ask PNC dispute personnel to be specific about what is needed to process this matter. No specific answer is stated to me. Today, XXXX is writing a letter with this information and sending it to XXXX XXXX at XXXX. XXXX XXXX is the current PNC personnel addressing this matter. 
Having been a reliable customer for 20 years with multiple accounts, I am hopeful that this matter can be resolved in a positive way. 
If the account does exist, that PNC can contact that customer and request the funds to be returned. 
Your assistance in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.