davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-26
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. (CA)

There are six inquiries on my credit report I did not authorize the companies to run my credit report. I am a victim of identity theft and I different companies, in which i did not give them permission nor authorize them to run my credit report. At the time these credit reports were being run, i actually was on the phone with a Transunion rep disputing other items on my credit report ; so how can I be doing two different things in six different places at the same time? All these inquiries were done on the same day! That's very suspicious! I contacted Transunion this past Tuesday to notify them that this activity wasn't authorized by me and I want aall of these inquiries removed immediately ; and also asked how is it that I have a fraud alert and Transunion authorized mt credit to be run without me giving permission or even being present there? The companies I am disputing from the XXXX of XXXX are : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  and XXXX. When I got these alerts in my personal email that my credit was run on the XXXX, i't prompted me to look at all three credit bureau 's activity, and low and behold, it was on all three, plus one additional inquiry from XX/XX/2020 I didn't recognize, give permission or authorize called XXXX XXXX . I never did any business with these companies nor was i ever interested. On XX/XX/2020 I called all three bureaus to explain to them that I didn't give permission, not authorize anyone to run my credit on XXXX XXXX or XX/XX/2020. Both XXXX  and XXXX  acted prometly, submitted the request to have these inquiries removed ; they were removed within the next 24-48 hours from both XXXX  and XXXX. However, Transunion, when I spoke to their rep, he told me Transunion doesn't remove inquiries, even if it is identity theft, and that would have to contact all those companies and get a letter of deletion from them and give then Transunion authorization for them to take all those inquiries off of my credit report. This is unacceptable!!!! A consumer shouldn't have to go through all that turmoil especially when they have been victimized to clear something off of their credit. Mind you I have a fraud alert on my social security number, which states in bold print once you pull my credit report. I want Transunion to remove all six inquiries immediately from my report! This has caused my credit score to drop!
Consumer complaint received 2020-06-26
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. (MO)

XXXX XXXX XXXX HAS FRAUDULENT COLLECTION ACCOUNT PLACED WITHIN MY XXXX  CREDIT FILE XX/XX/2019 {$410.00} AND {$400.00}.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XX/XX/XXXX I entered into a payment agreement, per Bank of America 's request, when i was having difficulty making my payments. Per the agreement with BoA, my credit was to reported as current and on time. From XX/XX/XXXX-XX/XX/XXXX they continued to report my account as severely delinquent in violation of the agreement. this is for two accounts ending in XXXX and XXXX the other accounts i entered into the program with, XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, and XXXX XXXX all reported my account as paid as agreed. 

I have tried to get the rectified through XX/XX/XXXX, and about 7 calls to BoA and they are failing to address my concern. They are stating that the information is accurate and is what i agreeed to. Per the advice they gave me in XX/XX/XXXX when I entered the program my account was to be reported as paid on time from XX/XX/XXXX until i paid the account off in XXXX of XXXX.
Consumer complaint received 2020-07-22
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. (TX)

address that are not mine : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY accounts not mine : XXXX/XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$95.00} past due as of XX/XX/2020. 
Account TypeCharge Card Balance {$1000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off/Never late. {$12000.00} written off. {$1800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6700.00} written off. {$6700.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$6700.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX, XXXX. 

XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5700.00} written off. {$2700.00} past due as of XX/XX/2020. 
Account TypeCharge Card Balance {$5700.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$2500.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6200.00} written off. {$1600.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$6200.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$690.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1800.00} Date XXXX Dispute XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7800.00} written off. {$7800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$7800.00} Date OpenedXX/XX/XXXX Dispute XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/2020. 
Account TypeCredit Card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7700.00} written off. {$7700.00} past due as of XX/XX/2020. 



sent ftc never removed anything 90 days or more
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2023-07-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 15 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 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

address that are not mine : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY accounts not mine : XXXX/XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$95.00} past due as of XXXX XXXX 
Account TypeCharge Card Balance {$1000.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off/Never late. {$12000.00} written off. {$1800.00} past due as of XX/XX/XXXXXXXX XXXX. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX  Dispute XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6700.00} written off. {$6700.00} past due as of XXXX XXXX. 
Account TypeCredit card Balance {$6700.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX, XXXX. 

XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5700.00} written off. {$2700.00} past due as of XXXX XXXX. 
Account TypeCharge Card Balance {$5700.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$2500.00} past due as of XXXX XXXX. 
Account TypeCredit card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6200.00} written off. {$1600.00} past due as ofXX/XX/XXXX 
Account TypeCredit card Balance {$6200.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1800.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7800.00} written off. {$7800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$7800.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$12000.00} written off. {$12000.00} past due as ofXX/XX/XXXX 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX 
Account TypeCredit Card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7700.00} written off. {$7700.00} past due as of XX/XX/XXXX 



sent ftc never removed anything 90 days or more
Consumer complaint received 2020-06-26
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. (NC)

Equifax should not be reporting a collection/chargeoff in the amount of {$800.00} on the OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid. I have attached a copy of the account information reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to either be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

Back in XX/XX/2019 I informed this agency and the legal department of the JP Morgan Chase bank regarding the criminal activity that I was victim of when the Chase bank received a wire transfer from my XXXX  XXXX  XXXX  and the information that I was provided to wire the funds was an account opened by a fraudester in the Chase Bank. 2 hours later after the XXXX  XXXX  XXXX  initiated the swift recall, the Chase bank only 72 hours advised the funds were safe in their account because there was a name discrepancy and fraud alert. 20 days later the chase bank allowed their customer to retrieved the funds and paid the farebeater and closed the account. The investigation conducted by the Police Department of XXXX confirmed the initial information given by the Chase Bank. The name beneficiary of the wire and the account holder of the Chase bank were completely different not just by one of two Characters, by a whole name and address. I wire the funds was the closing attorney XXXX XXXX XXXX, and the actual bank account was under the name XXXX XXXX resident of XXXX Ohio and with a XXXX number, clearely a non existing person, despite of the name discrepancy and address discrepancy the bank proceeded 20 days later to release the funds to the account holder and immediately when the account was XXXX the bank closed the account to leave no trace. This is a clear participation of the bank in this criminal activity. I had obtained copy of the report from the Criminal investigation department of the XXXX Police Department where the Bank failed to their initial offer to cooperate with the Law enforcement agencies, and only the real name of the account holder was provided but the second requirement of where the funds went 20 days after the bank refused to cooperate, clearly showing their participation in the criminal activity that I was a victim.
Consumer complaint received 2024-10-27
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. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-07-13
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: Bread Financial Holdings, Inc. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Management Services, Inc. (TX)

I was scheduled for an XXXX  to check my XXXX and other areas in the first part of 2016. Before they would perform the procedure, I was required to pay the full amount due ( after they spoke to my insurance ). The billing office set me up on a payment plan leading up to the procedure date to ensure it was PIF. 

On the date of the procedure they sent me to billing to ensure payment was made in full and I made a final payment to fulfill their request. 

The most important thing to note here is that this facility does not perform procedures without payment in full. They made me clearly aware of this prior to the date of my scheduled XXXX. 

Months after my procedure, I received a bill from them for over {$500.00}. I called on multiple occasions and initially the person I needed to speak to was always " out of the office. '' Finally I received a call back and explained the situation. They said they would get back to me. I never heard back again. I called to follow up a few more months down the road as I was receiving notices from collections, and they say they do not know anything about the initial situation, as they are collections. Any amount in excess of what I paid out of pocket was to be billed to my insurance, per what the billing office of the facility figured out and informed me prior to the procedure. I have been trying to resolve this for 4 years and I am extremely frustrated and want it off my credit.
Consumer complaint received 2020-06-26
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. (MO)

There is an old XXXX account showing on my credit report incorrectly. The account is XXXX opened on XX/XX/XXXX. Currently the account shows as a recent missed payment or recent charge off on my report. That is not accurate. I have verified with XXXX XXXX the correct dates for this account as being closed on XX/XX/XXXX and paid and closed on XX/XX/XXXX. There has been no activity on this account since. However, Experian is reporting that the charge off date on this account is XXXX of XXXX. This is not accurate. Any date or information at all regarding this account post XXXX of XXXX is wrong.
Consumer complaint received 2023-07-13
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-18
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. (SC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX  Balance : {$360000.00}.