davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
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. (GA)

Requested Transunion to remove fraudulent information according to 15 U.S code 1681b and under 15 U.S code 1681i. The said company Transunion also violated my federally protected rights under 15 U.S 1692 which they did 14 times and also informed me in a letter from XXXX XXXX on behalf of Transunion that they committed Aggravated Identity theft 18 us code 1028A. IN order to verify a debt according to the law they need a signed contract from both parties and keep in mind that a statement isn't a invoice, which wouldn't be available to Transunion as they aren't authorized to speak on my behalf never have been and never will be. Transunion is using deceptive and fraudulent techniques alongside these companies to manipulate consumers scores which can't be explained under the FCRA because it is fraud. As a consumer federally protected under the Fair Credit Reporting Act ( FCRA ) by law these of these inaccurate, unauthorized, unverifiable, and questionable items on my consumer report must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX XXXXcc Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXl Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-04-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hi, my name is XXXX XXXX XXXX XXXX please see the enclosed documentation following up on the disputed XXXX account that I have sent in dispute information for over 45 days ago via certified mail to all 3 credit bureaus and haven't heard back since. I didn't get verification, proof of debt, none of that.
Consumer complaint received 2020-04-29
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. (FL)

I HAVE LOOKED OVER MY CREDIT FILE AND FOUND SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I CAN NOT EVEN BEGIN TO THINK OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH IN ORDER FOR THE ACCOUNTS AND INQUIRIES TO BE AUTHORIZED. THIS SITUATION IS CAUSING SOME SERIOUS DAMAGE TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent in a request for information that was violating my rights as a consumer the 3 major credit bureaus. I was told that the court reported the information to the bureaus and it was very clear that it was a third party that the incorrect information was reported from. I have been communication back in forth with the court and the bureaus regarding this matter and it has caused a lot of stress for me with my credit being damaged and its not allowing me to get the full credit that i deserve.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I was charged some service fees when I turned XXXX and no longer qualified for the bank 's waived service fees. I added {$500.00} to the account to avoid further service fees. However, I was charged an additional {$10.00}, bringing my total below {$490.00} again. My bank will not refund the fees because I had one of the two previous service fees charged after I turned XXXX waived already. I'm worried that the bank is attempting to keep me paying fees forever. After I made my complaint about the fees earlier, they disabled my ability to get statements and my account/routing numbers online.
Consumer complaint received 2020-09-08
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: Resurgent Capital Services L.P. (TX)

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$120.00}.
Consumer complaint received 2020-04-29
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: Experian Information Solutions Inc. (NJ)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-08
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: HW Holding, Inc (TX)

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$120.00}.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX - XXXX, XXXX XXXX XXXX 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 instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IL)

Beginning in XXXX of 2017 I noticed that my checking account balance was at times, lower than what it should have been. I found that someone had taken my checks and endorsed them in my name, and then cashed them. I reported this to the bank as they were also handling my my investment account. At the time, they told me not to worry about it. They did not offer to investigate it, in fact they brushed it off. At the time, I was starting a " XXXX XXXX '' business and was well over my head and that of course distracted me and I did not pursue the matter further. Of course, I am in need of the funds that were fraudulently taken out of my account. I would like the bank to open up a fraud case and explain to me why they cashed checks that clearly have a signature that is not mine. Also, I would like the bank to explain why they had me fill out a signature card upon opening the checking account, yet never measured the fraudulent checks against the signature card. If they had done so, to the very least, they could have brought this to my attention and right then and there we could have avoided the fraudulent checks from being cashed. I will attach to this complaint, a copy of a spreadsheet that clearly outlines the fraudulent checks, proof of a proper signature and all supporting detail.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (IL)

Dear Sir/Ma How are you doing today, I hope this email meet you in good state of mind. My names are XXXX XXXX. On the XX/XX/year>, I received the sum of {$410000.00} from IRS for my tax return into my PNC bank account. I sent a check of {$400000.00} to my business partner in regard of some personal investment i am into. 


I also wire some part of the money to my XXXX  XXXX bank account which i am left with some balance, after some days i received a message from my business partner that the check i sent to him was returned, i quickly went to the bank to know what is the issue and the PNC bank told me that because i have not requested such amount of money before with check that they have to put a Stop Payment on the check. The bank asked me to c
ome back after 3 working day which i did, when i got to the bank i was told that they will need to investigate the money to know where the money is coming from, I told them even when you login into my account you will see that the money come from IRS in my own name, so i see no reason why you don't want to release my money to me. 


The bank asked me to wait for 1 month which i also did and after one month i was told that my account will be closed and the money in my account will be sent back to me, to my greatest surprise it's more than 8 months i still can not receive money from PNC. I am contacting you to please help me and get my money back. 

I am ready to provide you with any information needed to get this done.

Thank you and May God bless you as you read. 
XXXX XXXX
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have asked Experian to delete old accounts that are closed from my report. I have even secured a credit repair individual from XXXX XXXX XXXX to work with me in requesting these deletions. However, these old accounts continue to appear on the report.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian and XXXX  along with creditors place negative information on my credit file inspite of the law and the coronavirus pandemic. The president stated that your credit could not be ruined for no or late payments. I have not worked since XX/XX/2020 cut to being a essential worker at the airport with medical underlying conditions. I was denied SBA loan due to experian credit report showing late payments and a declined credit score. That was the only factor that stop me from getting money to help my family and I was denied.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have a lot of inaccurate addresses on my credit report that does not belong to me. This will cause and is causing harm to me as a consumer. I need my location information updated to the one on my CFPB profile.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

My credit report is still showing old MEDICAL debt that was in collections. Four different accounts are still listed and each account is under {$500.00}. Per the new law, XX/XX/2023 this should be removed. Their DISPUTE department has been continually down and they are unable to address.
Consumer complaint received 2020-09-09
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank I've reach out to this company regarding late payments, which I ask for a goodwill forgiveness letter. They refused to remove late payments from my credit report, which to this day I've made my payments on time for the past year. I believe I've providing myself as a loyal customer.
Consumer complaint received 2023-01-04
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Dear Transunion, I XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXXXXXX : {$740.00} Ive disputed this account numerous times I have no knowledge of this account, its fraudulent and I want it deleted immediately, this account is holding me back from my dreams of getting my first home. 

I am disputing this claim due to : This is my official request to have the aforementioned item to be deleted off my credit report. 

Enclosed may be additional evidence to support my claim. 

XXXX
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (UT)

in XXXX, XXXX, I applied, and was approved for the XXXX XXXX card from American Express. I made purchases, and paid each bill on time. In XX/XX/XXXX, I contacted customer service via chat on the XXXX app. I let the rep know that I wanted to cancel my XXXX XXXX  card. The rep either did not seem to want to keep me as a customer, or may not have been able to convince me to keep the account open. They asked if I was sure that I wanted to close the card, I said yes.

Not more than 24 hours later, after talking with sever colleagues, I decided that I wanted to reinstate the card. I used the chat feature on the app, and messaged a rep. I asked about reinstating my XXXX card. They were able to submit a request. The rep let me know that I would receive an email, as well as a letter in the mail in the next 7-10 days. I received a letter from American Express in about 7 days. It stated that they could not honor my request because of my FICO score. I was shocked. I have what is considered excellent credit. I used the business chat feature to contact American Express. This rep was a bit more helpful. They explained that they would submit a request for reinstatement. I would hear a response in 7-10 days, and see a {$25.00} fee on my card. 
Today, XX/XX/XXXX, I received another letter from AmEx, with the same information as the first letter. 

I am confused : I have fulfilled each and every one of my financial obligations. I have excellent credit. I have, in my opinion, been an excellent customer with American Express. 
I made the choice to close a card that I had met all obligations on, and had changed my mind, and decided that I wanted to keep the card. 
I feel that my business is not important to American Express. 
I am human, I made a mistake by closing the account.
Consumer complaint received 2024-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Reported to both companies and Bureau that I do not recognize the inquiries that are being reported to Bureaus and request removal. 
Request inquiry removal by telephone. Request note completed.For all of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-04
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. (OH)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2020-04-29
Product: Vehicle loan or lease — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (PA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited a check on XX/XX/XXXX for someone else. the check deposited into my account on XX/XX/XXXX and i sent it to the person who asked me to deposit the check. The check bounced and now my account is negative.
Consumer complaint received 2024-11-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Ive attempted to contact creditacpt several times beginning XXXX XXXX XXXX XXXX and XXXX XXXX. The amount is {$13000.00}. Ive asked them to provided a copy of the signed documents and proof of contract. Company has not provided any of the information. This reflecting on third party credit bureaus and is inaccurate.
Consumer complaint received 2022-06-14
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. (NY)

Transunion, XXXX and XXXX are reporting inaccurate information on my credit report which is decreasing my score. With my score being lowered, I can't be approved for loans or credit cards. The inaccuracies including late payments, open accounts that doesn't belong to me and inquires which are fraudulent.
Consumer complaint received 2023-01-04
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. (IL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04
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. (IL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

The credit reporting agencies were required to remove fraudulent information from my report within 4 days it has been over XXXX XXXX and I have not gotten a response and the fraudulent information has not been removed this is a violation of my rights