davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX  XXXX {$9000.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX {$87.00} XXXX XXXX {$200.00}
Consumer complaint received 2020-05-15
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. (AR)

My sister informed me that I received a letter in the mail at her home address where have never lived before stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person, I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine, please remove these faudulent items from my report.
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: Experian Information Solutions Inc. (MI)

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 im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-05-16
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. (GA)

On the following dates, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I have submitted information including police reports of identity theft and other identifying information and Experian has refused to investigate these items. Experian most recently sent me a letter basically telling me they will not continue to investigate items on my credit report which is against federal laws and regulations.
Consumer complaint received 2020-05-16
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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (TX)

I was shocked when I reviewed my credit report and found late payment on my credit report. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 'Personal Loan ' for 'Transportation/Vehicle ' ( NOT CONSIDERED ) Due to 'Credit Reprt ' ( VICTIM OF FRAUD SINCE XXXX ) US DEPARTMENT OF TREASURY ( IRS WHISTLEBLOWER OFFICE ) Reference Claim Numbers : XXXX, XXXX, XXXX, XXXX ( Dated XX/XX/XXXX ) Based on Previous ( Consumer Financial Protection Agency NON-ACTION )
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 'Personal Loan ' for 'Transportation/Vehicle ' ( NOT CONSIDERED ) Due to 'Credit Reprt ' ( VICTIM OF FRAUD SINCE XXXX ) US DEPARTMENT OF TREASURY ( IRS WHISTLEBLOWER OFFICE ) Reference Claim Numbers : XXXX, XXXX, XXXX, XXXX ( Dated XX/XX/XXXX ) Based on Previous ( Consumer Financial Protection Agency NON-ACTION )
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

I was added on a credit card as a authorized user without my consent. The account belong to my deceased mother XXXX XXXX XXXX. When I found this on my credit report I contacted Bank of America and gave them the information and sent them a death certificate. I was assured that they would remove me from this account. But instead they wrote it off as a bad debt on my account. I contacted them again and they told me to take it up with the credit bureau that they could do nothing else for me. They also have me listed at an address but I have never lived that it is my mothers address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington
Consumer complaint received 2024-09-11
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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: Experian Information Solutions Inc. (VA)

XXXX money Grubbing fancy title people Lying stopping bank. Four months of fighting you Remove this incorrect false account and stop your lying cheap sales talk. Nothing in your letter is true. I can open false accounts on your person? Feels good?
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (AZ)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$240.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$190.00}
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-06-30
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. (AZ)

In Accordance with the Fair Credit Reporting Act of XXXX Account has Violated my rights. 

15 USC 1681 Section 602 A Section 1.I have the right to privacy 15 USC 1681 Section 604 A Section 2. States A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XX/XX/2016 {$940.00}
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MD)

I received my XXXX XXXX  bill in XX/XX/XXXX what indicated that my taxes were not paid in XX/XX/XXXX. My XXXX XXXX were paid from my XXXX XXXX as per my XXXX XXXX in XX/XX/XXXX. I contacted XXXX XXXX mortgage department on XX/XX/XXXX, submitted taxes bills I received and they opened an investigation case what they said should be completed within 14 business days. 
On XX/XX/XXXX I contacted bank to check on the incident progress and was told that there is no updates and was advised to contact XXXX XXXX regarding taxes paid in XX/XX/XXXX. I I contacted XXXX XXXX billing on XX/XX/XXXX and was told that my bank sent taxes in XX/XX/XXXX to the incorrect taxes parcel # XXXX XXXX sent payments back. I contacted bank again and provided this information. Bank confirmed that they have incorrect taxes parcel # on my account, claimed they corrected XXXX XXXXr and will process taxes as soon as possible. 
On XX/XX/XXXX ( 14 business days since my case was opened at the bank ) I contacted bank since I did not see any XXXX XXXX were made from the my escrow account, neither payments made in XX/XX/XXXX were reimbursed to my XXXX XXXX. Bank stated that they will not be able to send taxes by the end of the year and suggested I pay taxes myself and they will reimburse after they run escrow analysis with corrected taxes information. Bank also said they will cover all late fees and any other fees I pay. 
I payed my taxes, $ XXXX in total on XX/XX/XXXX with my credit card issued by the same bank and submitted payments receipts to the bank as they requested. 
I contacted bank on XX/XX/XXXX to follow up on my XXXX balance ( what showed {$0.00} online even though I pay {$600.00} every month to XXXX ) and XXXXt and apparently the bank did nothing. XXXX XXXX was not run, payments made in XX/XX/XXXX to the wrong XXXX XXXX # are not back to my escrow and none of late fees and processing fees were reimbursed to me or to my escrow. I was told by bank that they will run XXXX XXXX  in XXXX, but regarding XX/XX/XXXX incorrect payments and fees I have to contact taxes department and open the case again. I asked bank whether they can give 0 % APR for my credit card for few month till they resolve the issue and send me extra $ from my escrow back, but they said nothing they can do and suggested to open new credit card in other bank and do balance transfer.
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (MS)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2023-02-07
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. (FL)

I mailed certified mail to all three credit bureaus on XX/XX/2023. While reviewing my credit report in order to purchase a home, I realized inaccurate and inconsistent information on all 3 reports. This is impairing the banking system efficiency. I requested the three credit bureaus to investigate properly and remove anything that is not accurate. All three credit bureaus are reporting totally different information for each account in question. That states to me that none of this information is correct. They came back verified and updated within 1 week. How did they verify all information within such a short period of time? I did not consent to E-oscar method of verification. I hand written my letters because I did not consent to machine I consent to a person reviewing my request. I am a citizen of the USA reviewing my credit myselfIt it is frustrating I have to write to the CFPB for a proper job to be done. 
XXXX especially had increased my score XXXX points on XX/XX/2023 and decreased it again XXXX points due to what reason I am not sure because they didn't state. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have inquires I have no knowledge of so my privacy is being violated. 
Across all three credit bureaus these accounts are inconsistent with the reports and inaccurate as well. There are different dates of opening, different amounts and different names and addresses. Across all three credit bureaus my score is not even close to each other so, that means they are reporting incorrect. And the matter of fact I didnt consent to any furnishing of my credit report.

15 U.S. Code 1681 section all information should be accurately reported In accordance to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 A I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 A consumer reporting agency can not furnish my account without my written instructions.

I am looking into going to an attorney to assist with these discrepancies from the bureaus but I trust CFPB will do its job thoroughly.
Consumer complaint received 2022-06-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX XXXX XXXX XXXX of Texas. On XXXX went into Bank of America at XXXX XXXX XXXX XXXX XXXX TX XXXX, I ordered wire transfer in the amount of {$21000.00} including service fee of {$45.00} total paid $ XXXXThis wire transfer made to this company by name XXXX, XXXX, Account # XXXX XXXX XXXX XXXX, XXXX XXXX for purchase of stock .XXXX. On XXXX XXXX I filed a claim with Bank of America to recall the wire transfer back claim # XXXX indicated that I believed that I have been scammed .Thereafter Bank of America sent me papers to be signed and also needed all transactions papers pertaining all the communications with the said company. All the texts and emails communication were sent to Bank of America and was confirmed received by the officials. I was informed by Bank of America that it will take 60 business days to finished the investigation. Now the last time I called l was Bank of America that they will not disclose the out come of the investigation, I was told that they could not recover or recall the money. I demanded the information about the scammer company information and I was told before they will not release the information, that I have to get a court order signed by a judge they will before they will release the out come. Bank of America have not officially notified me about their investigation out come .According to the Federal Law and regulation Bank of America supposed to refund me the {$21000.00} back. See Electronics Funds Transfer Act, also called Regulation EXXXX Also see Bureau of Consumer Financial Protection ( XXXX U.S.C 1693 et. seq ) 44.U.S.C 3501 et. seq. and have been assigned XXXX XXXX XXXX. All versions of 12 CFR part 1005 ( Regulation E. XX/XX/XXXX XXXX ( current regulation.
Consumer complaint received 2024-10-11
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. (GA)

, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.
Consumer complaint received 2020-05-15
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. (PA)

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEM PURSUANT SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, I have called in 4 times - a total of over 2 HOURS on hold - could not speak to the correct person.

I am again unable to get my credit report from your website - https : //service.transunion.com/dss/disclosureError.page What kind of company do you run where people cant even get through for over 2 hours on 4 separate calls?

I am able to log into that account - but see attached for what I see.

I need access to my credit report immediately - its the law and my right.

Attached to this are : - my drivers license - my social security card - my mailing address - screen shot I see trying to log in
Consumer complaint received 2022-06-30
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, and XXXX 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