davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
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. (OH)

There is a large number of inquiries on my report that do not belong to me and that I did not give consent for. I have contacted each company and they would not verify why my credit was ran. Most of these places are car dealerships, finance companies, and credit unions in which I did not authorize. I am sending a letter to the CEO 's of Transunion and XXXX next as I have not been able to get any results from representees. I have filed a complaint of identity theft with the FTC in which they gave me free credit monitoring since none of these accounts were opened. I attempted to file a police report, however, without the individual actually opening an account, they only took a written statement. Statement : XXXX which will be held on file if I notice anything come up on my credit report that is opened. 

Transunion : The follow inquiries are listed that I did not authorize : 1. XXXX  2. XXXX XXXX 3. XXXX 4. XXXX CA 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX 14. XXXX ( again ) 15. XXXX XXXX  16. XXXX XXXX 17. XXXX XXXX 18. XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX  XXXX  23. XXXX 24 . XXXX 25 . XXXX 26. XXXX XXXX  XXXX  27. XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX 30. XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX  33. XXXX XXXX 34. XXXX XXXX XXXX : I did not authorize any of these inquires for any reason. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX & XXXX XXXX 8. XXXX 9. XXXX 10. XXXX  XXXX ( again ) 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX & XXXX XXXX 14. XXXX XXXX ( XXXX ) 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX ( again ) 18. XXXX XXXX 19. XXXX XXXX 20. XXXX XXXX XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX 24. XXXX ( XX/XX/20 )
Consumer complaint received 2022-06-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my tXXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-27
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. (CA)

On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : Experian Letter Tracking # XXXX XXXX Letter Tracking # XXXX Transition Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

ACCOUNT IN QUESTION : # XXXX with XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( TransUnion, XXXX, and XXXX ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These dates should be consistent as they represent the last interaction with the account. 
The account closure descriptions vary : TransUnion : " Charged off as bad debt. Account closed due to transfer of balance. '' XXXX : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' XXXX : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved. 
The payment history for this account shows a " Charged Off '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report.

The reported balance owed is {$0.00} across all bureaus, but the status remains " Charged Off. '' If the account has been settled or resolved, this status should reflect " Paid '' or " Settled. '' The term length is reported as 31 months, but it is unclear if this reflects the original terms of the agreement or if there was a modification. 

These inconsistencies are misleading, harmful to my credit score, and do not reflect the accurate status of the account.
Consumer complaint received 2024-10-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

I had never used XXXX XXXX before, so not sure who had applied on my name and cost me {$310.00} charges from Collection agency. My credit score was lower down by over 100 points yesterday.

Some one used my personal information and open an account on my name, this is an Identity Theft.

Kindly help me to restore my Credit score as per my original settings.

Sincerely.
Consumer complaint received 2022-06-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (FL)

1- Open a High-Yield Savings account with XXXX owned by Webster Bank 2- After a month, interest rates started to go up in other banks but not in this bank 3- Decided to withdraw my funds from Webster on XX/XX/XXXX 4- Setup up external transfer with my regular bank XXXX XXXX XXXX XXXX Checking Account ) 5- Been waiting for two weeks for my transfer to happen but Webster Bank held my funds hostage and asked for a ) Latest bank statement of XXXX XXXX XXXXXXXX and b ) Copy of my Florida Driver 's License. I sent the documentation via their encrypted server ( as requested ) and called them a few times validating they received the documents. 
6- They stated it would take up to 3 days to review/clear/reject the documentation 7- Today, on XX/XX/XXXX, received an email that they " Stopped '' my transfer without any explanation 8- And they also, eliminated my access to my account, the bank log in does not work 9- The transfer is for only {$5000.00} USD, not a large amount and they are holding my funds hostage, please need your help!
Consumer complaint received 2022-05-27
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. (FL)

In acordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish account information without my written instructions
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: Goal Structured Solutions, LLC (LA)

XXXX report was updated by removing the incorrectly reported XX/XX/2022 payment to current but now the creditor is reporting the XX/XX/2022 payment incorrect despite sending a letter stating that my loan has never been late which it has not been late.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OK)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Opportunity Financial, LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/year> OPP Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Request for Form 1099-C Dear OPP Loan, I hope this message finds you well. I am writing to formally request a copy of Form 1099-C for the account referenced below, which has been charged off. 
Account Information : Account Number : XXXX Account Holder Name : XXXX XXXX As you are aware, the IRS requires that Form 1099-C be issued for debts that have been canceled or discharged, and I would appreciate your assistance in providing this document for my records and tax purposes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-16
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. (TN)

XXXX XXXX. I sent dispute letters via certified mail. To all three consumer reporting agency 's. Demanding the XXXX XXXXt account be removed due to the fact I did not give the reporting agency 's written consent to furnish such information. 15 USC 1681b Permissible purpose of consumer reports. 
In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
If the reporting agencies have written consent from me regarding this account please provide the evidence.
Consumer complaint received 2022-12-29
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. (TX)

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items 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. 
XXXX XXXX XXXXXXXX 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 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 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/22 I received a paper check from XXXX XXXX XXXX. This was my first payroll check from this employer. I deposited the check in the amount of {$2100.00} at the Bank of America ATM on XXXX XXXX XXXX, XXXX, FL. I had to verify on the screen the amount was correct. When the receipt printed the amount was {$110.00}. Immediately I called Bank of America at the number on the ATM. It took several attempts to get to speak to anyone. I gave the information to the person on the phone. She advised me that she would be a dispute in the system. Because it was a Saturday I she said there was nothing further that could be done. She advised it would be 10-14 days before I could access the funds. I advised her that was not acceptable. FDIC requires my funds to be accessible. It would not take 10 days. I requested the check be returned. I have the stub to verify the amount of the check. She then flagged the check as fraud. Bank of America needed time to investigate the amount of the check. I request the check returned as I could not wait to access those funds. On Tuesday XXXXI entered the Bank of America Branch at the same location. The associate told me only the Branch Manager could help me fill an official complaint but was not available. I return an hour later and was told the Manager still had not arrived. On Wednesday XX/XX/22 I again called Bank of America and was given the explanation by XXXX ( XXXX ) that information on the check could not be verified and the check had been destroyed. I requested a supervisor to file a complaint. I waited an addition 30 minutes for XXXX ( XXXX ) who informed me that he had research the original claim and that XXXX XXXX was holding the funds. He also stated the funds would be XX/XX/22 at XXXX. He advised me to call XXXX to obtain an electronic transfer of funds. I called XXXX XXXX XXXX and was informed the problem was with Bank of America. The funds for the check had been allocated. I feel so betrayed. My rent check was returned. I am in fear that I will be evicted. I have had this checking account for 25 years. I want my fund released immediately. They have flagged my account for their convenience. There is nothing fraudulent about the check. My automatic deposit starts on XX/XX/22. I am also filling a complaint with the Office of Comptroller of the Currency and Federal Deposit Insurance Corporation Office of Inspector General. I believe this is a business practiced to avoid compliance with Federal Deposit Insurance Act.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, XXXX XXXX Equifax is in violation under Consumer Credit Reporting act 15 U.S.C 1681 section 602 A. States I have a right of privacy 15 U.S.C 1681 Section 604 2 it all states a consumer reporting agency can not furnish a account without my written instruction this is th 3rd attempt I disputed please honor my right, and remove this from my credit file
Consumer complaint received 2022-06-16
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. (VA)

XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, Transunion XXXX XXXX XXXX in violation under Consumer Credit Reporting act 15 U.S.C 1681 section 602 A. States I have a right of privacy 15 U.S.C 1681 Section 604 2 it all states a consumer reporting agency can not furnish a account without my written instruction this is th 3rd attempt I disputed please honor my right, and remove this from my credit file
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to bring to your attention several discrepancies and instances of improper use in my credit report. As a responsible consumer, I am concerned about the integrity and accuracy of the information contained in my credit file. 

I have recently reviewed my credit report from your agency and have identified issues. 
I request that you investigate these discrepancies and rectify any inaccuracies promptly. My credit report should reflect accurate and up-to-date information, and these discrepancies are negatively affecting my creditworthiness. 

I also want to bring to your attention the improper use of my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). They accessed my credit report without my explicit authorization, and I would like this matter to be thoroughly investigated and any necessary action taken to rectify this situation. 

Please inform me of the steps you intend to take to address these issues and provide me with a written explanation of your findings once the investigations are complete. I am relying on your cooperation to resolve these matters promptly. I enclosed all documents I appreciate your prompt attention to this matter. I expect a response within the legal time frame as stipulated by the FCRA.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (MO)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.