davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-06
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 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 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2019-04-03
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. (CA)

In XX/XX/2018, and again on XX/XX/2018 and again in XX/XX/2018, I filed a dispute with Experian for XXXX XXXX account listed on my credit report. I got a generic response back of validated, that the account was correct and validated. I asked for the credit bureau to supply me with documentation on how exactly this account was validated according to the Fair Credit Reporting Act. They failed to do so and it has been well over 30 days. I requested for Experian not to use the XXXX or automated system in validating this account. I have extensive reason to believe that this account was not validated according to the Fair Credit Reporting act section 609 a 1 a. Also I have reason to believe that the credit bureau Experian has violated the Fair Credit Reporting act again by failing to validate the debt within the investigation period of 30 days according to Fair Credit Reporting Act 611. I have repeatedly requested the alleged signed original contract that Experian has on file for me because I have contacted this XXXX XXXX  company and they have yet to provide me with a signed original contract as well with in FCRA guidelines. I believe since this account can not be validated that according to the Fair Credit Reporting act it should be removed from my credit reports immediately. I have contacted Experian via certified mail # XXXX and again via cert mail XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Inaccurate information and unverified information on my reports the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-13
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-06
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: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-03
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. (MO)

I sent requests for validation of debt for the XXXX  XXXX loan on my credit reports. After receiving NO validation or information after 30 days XXXX an XXXX both closed and removed the account from my credit report. Meanwhile Experian not only did they not provide any information of validity but duplicated the acct so now there are 2 collection accounts on my report for the exact same loan just showing a slightly different amount due to interest charges I am guessing. I have attempted to dispute on more than one occasion an have received no valid response.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally file a complaint regarding my ongoing and unsuccessful attempts to have fraudulent items removed from my credit report. 

Since then, I have made numerous attempts to resolve this matter through your customer service department. I have contacted your representatives each time detailing the fraudulent charges and requesting their immediate removal. 

Despite my repeated efforts, I have not received a satisfactory resolution to this issue. I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I have had with your customer service department, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute forms or additional evidence proving the fraudulent nature of these transactions. 
I understand that addressing cases of fraud can be complex, but it is crucial that this matter is resolved promptly. I insist on a thorough and immediate investigation into these fraudulent charges and their removal from my account. Additionally, I request a written confirmation of the resolution and the actions taken to rectify this situation. 
Please treat this matter with the utmost urgency and seriousness, as it directly affects my financial well-being and security. I am asking for your assistance to remove immediately these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
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: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (CA)

I needed to pay {$4200.00} to a landlord for security deposit and first month 's rent. The payment was to be made through XXXX. 

I bank with U.S. Bank and I logged into online banking and went to make the payment by XXXX. I got an error message saying that my daily limit was {$3500.00}. 

So then I sent XXXX payments of {$2100.00} each. Both were deducted from my checking account. The first payment was sent on XX/XX/XXXX at XXXX XXXX. This payment was received immediately. In my online banking the status for this payment is " paid. '' On XX/XX/XXXX I sent the second payment of {$2100.00}. This was sent at XXXX XXXX. This payment was not received by the recipient, same recipient as the previous day. In my online banking the status for this payment is " sent. '' The intended recipient alerted me the next day, XX/XX/XXXX, that he had not received the payment, and I have been trying since then to get this money back. I have called the bank at least a dozen times. On XXXX a bank customer service rep told me that she could see that the second payment was never delivered. 

In the meantime, I put in a claim with U.S. Bank on XX/XX/XXXX. Through a letter dated XX/XX/XXXX the bank 's digital claims services department notified me that my claim was denied. When I heard on XXXX that the customer service rep could see the second payment was never delivered, my only possible explanation was that the claims department was superficial in reviewing this issue and/or only looked at the first payment that was actually delivered. 

I am exhausted by the effort I have been making to get U.S. Bank to return my money. I am hoping the CFPB can help.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally register a complaint concerning the persistent inaccuracies present on my credit report with Credit Bureaus. Despite multiple attempts to rectify these inaccuracies, the requested corrections have not been made, and this has had a detrimental impact on my financial well-being and creditworthiness. 

I first identified these discrepancies on my credit report, and since then, I have made repeated attempts to have them corrected. I have communicated with your agency on the following dates and each time I was assured that the necessary actions would be taken to rectify these inaccuracies. However, despite my efforts, the inaccuracies remain unresolved. 

To support my complaint, I have attached copies of the following documents : Copies of my credit reports, clearly indicating the inaccurate items. 
Any correspondence exchanged with your agency, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute letters or proof of payments, if applicable. 
I insist on a thorough and immediate investigation into these inaccuracies and request that your agency takes prompt action to correct my credit report. These inaccuracies have adversely affected my ability to secure credit, employment, and other financial opportunities, and I expect them to be rectified without further delay. 

Furthermore, I kindly request a written confirmation of the actions taken to resolve this matter and updates on the progress of the investigation. Please assist me to remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

I spoke to XXXX XXXX EVP and Director of Customer Relations today. My first concern is I do not believe PNC Bank is fully disclosing the fees associated with their Performance Select Checking because it says on page three " Performance Select Checking No charge of PNC Exclusive Checks. '' I was told by XXXX SVP of Customer Relations it is only the Master Account that receives free checks. The fact that it is only the Master Account is a material fact and there is no reference on the fee disclosure that it is only for the Master Account. I have spent at least 4 hours on the phone to get my accounts switched to Performance Select Checking as I meet their requirements and receive my free checks. They finally agreed to provide the checks and said they were going to investigate. 

I requested that I should get free checks for the life of my accounts since I spent 4 hours on the phone and complained about the lack of full disclosure. XXXX refused. 

My second concern is that I believe I have been retaliated against and discriminated against as I have complained in the past and XXXX told me that I had complained before. 

It should be known that PNC Bank flags customers accounts if they complain and this information is visible to anyone servicing the accounts. Therefore if you complain your account is labeled a complainer. It should be mentioned the additional harassment occurred by XXXX XXXX EVP when she said the regulators require it. It was not until I pressed to confirm that the regulators require PNC Bank to track complaints by customer name and account number that she back tracked and said that was just part of PNC Banks robust customer complaint tracking. XXXX XXXX tried to use the regulators as justification for labeling customers as complainer and intimidate me the customer, which complete harassment. I believe if you complain you are labeled and receive poor customer service so they can get customers to leave and avoid reporting to the regulators. This is validated by my treatment and the fact that I have been on the phone for 4 hours to simply get switched into account I clearly qualify for.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (KY)

On XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX stating that my XXXX credit card limit was being lowered to {$190.00} due to credit score influence, high outstanding balances, limited credit experience. The credit bureau was pulled on XXXX XXXX, XXXX. The credit score states it is XXXX. That credit score is  incorrect. I am a paying member to XXXX and I can see what my credit score was in XXXX and it was XXXX. This is a new credit card for me but I have had credit cards for years so I am not sure why the letter states " limited credit experience ''. I was carrying extra debt back in XXXX but it was due to holiday shopping. Since XXXX XXXX I have decreased by debt by {$3000.00} by paying off several cards that had a balance. I dont understand how a company can use a credit bureau report from 5 months ago and lower your limit. My credit is now being negatively effected by this due to my credit ratios being increased.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Equifax  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX 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 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting an incorrect coding of the XXXX XXXX - partial account number XXXX. ( Please see page 6 and 7 of the attached credit report. ) This account needs to be coded as an M1. It is showing that I am 30 days past due. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

My name is : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX City, State, Zip Code : XXXX Georgia XXXX Date : XXXX XXXX To the Complaint Department Name : Equifax, XXXX or XXXX I am writing to dispute the following information in my credit file. 

The item at XXXX XXXX in the amount of {$770.00} is incorrect. I have never opened an account with this source or company. I have never lived at the address in XXXX. 
I am requesting that the item be removed to correct the information. 

Also I was just notified about a {$300.00} bill for XXXX XXXX XXXX  I honestly dont know what is going on but its stopping me from moving into my apartment I have a XXXX XXXX old daughter and its cold outside and Im trying to get her in a worm environment please help me Best regards, XXXX XXXX