davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (MD)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX, MD XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-12-01
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. (NY)

I recently reviewed a copy of my credit report and I was shocked to learn that this account on my credit report was not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Prepaid Department. On XX/XX/XXXX I received an email that my prepaid card had been ordered. On XX/XX/XXXX I called into Bank of America because I hadnt received the card yet. The rep told me it showed delivered & that there was also activity from XXXX at the XXXX store on a previous card. I havent accessed this account since XXXX, nor did I even have a previous card to use in my possession. I believe there was maybe less than {$1.00} in the account at the time since I hadnt used XXXX since XXXX. I reported this as fraud & ordered a new card. During this time I kept receiving money from XXXX but was locked out of my online BOFA account ( probably hacked ) & was told by a rep that I needed to wait until I received my new card to reset password. On XX/XX/XXXX I received an email from BOFA about my card & to call if it hadnt been received yet. I called in & the rep told me I needed to wait longer despite what the email said. Then on XX/XX/XXXX I had an email come in overnight from BOFA regarding recent activity & showing {$2900.00} had been spent & the card was activated. I immediately called in & reported the fraud. I then ordered a new card for the XXXX time, but this time they went via XXXX instead of USPS. I then received the card 2 days later. Fast forward to now, BOFA has denied my fraud claim 4 times despite them having ATM footage & doing all they asked. I have a police case regarding the stolen money and even filed a report with the XXXX XXXX in case this was possibly mail theft. I provided BOFA with the police case & cover page as well. I now think this may be an inside job at the BOFA branch, as I also found out my identity was stolen mid XXXX. Before receiving the card, I had to give my social over the phone to BOFA reps in order to verify my identity. I now think there is a correlation. I feel the prepaid BOFA XXXX are either discriminating or corrupt, as this should of been an open/shut case. Im at my wits end & dont know what else to do.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

The report requested by XXXX XXXX XXXX XXXX XXXXXXXX says I have serious delinquencies. THIS IS INCORRECT! I do not have any late payments or any negative reports on my accounts for the past 15 years. I need to get that clear up. My credit score is near XXXX.
Consumer complaint received 2023-12-02
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MD)

On XX/XX/2022 I made an electronic payment from XXXX XXXX XXXX XXXX to Barclay 's Bank in the amount of {$4500.00}. The reason for the error was Barclay 's had been my credit card company for over a decade but had recently sold my account to XXXX Bank. Two days later when the payment wasn't posted to I realized the mistake. I immediately contacted XXXX 's who assured me the errant payment would be forwarded to the trialing institution ; XXXX. It never was. Despite being provided a proof of payment from XXXX XXXX XXXX and being contacted by XXXX that the payment wasn't received, Barclay 's refuses to do anything. Barclay 's has stalled every chance they could. Not receiving faxes of proof of payment, emails that must be in spam folders, refusing to provide a receipt that they sent it forward to XXXX. They have closed numerous cases related to this issue without any resolution, causing me to have to start new investigations many times. I have spent hours on the phone each week, even had XXXX do an investigation from their end. They reported never receiving any money from Barclays, and tried to reach Barclay 's to speak with them but never having their call returned from XXXX XXXX, 2022. I have had XXXX XXXX XXXX  start an investigation as well with XXXX XXXX. This involved weekly calls to Barclays, where often the representative had little knowledge of the case or could not do anything to find a resolution. This case ended when XXXX called for the weekly meeting ( which usually lasted 2-3 hours ) but I was at work teaching and could not take the call. I called a few hours later and was told the case was closed because I had not answered the call. Barclays has had my money since XX/XX/XXXX. I have spent hundreds of hours trying to get them to return my money or provide any proof that they sent it to XXXX or to myself. They have done neither.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX  an XXXX XXXX ) Account # XXXX, Amount {$320.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX, Account # XXXX, amount {$830.00} has violated my rights. 

15 U.S.C 1681, section 602 A. states I have the right to privacy 15 U.S.C 1681 SECTION 604 A. Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX ), Account # XXXX, Amount {$300.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-02
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. (DC)

In Accordance with the Fair Credit Reporting Act TRANSUNION, XXXX, and XXXX has violated my rights by furnishing accounts on my consumer report without my written instructions. These are the account that was furnished on my report without my consent. 
XXXX Account # XXXX Dept of Education Account # XXXX Dept of Education Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX ( 6 ) accounts same number Dept of Education XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX Transunion Inquiries : Date XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  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 XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 602 ( A ) State I have the right to privacy.

15 USC 1681 604 ( A ) section 2. State a consumer reporting agency can not furnish an account without written instructions from the consumer. I am the consumer and I have not given anyone consent to furnish anything on my consumer report.
Consumer complaint received 2022-08-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (TX)

I was in forbearance and tried to make payments during forbearance and was told 3 different times by Collections department that I can continue to make regular monthly payments after forbearance. Now, the loan servicing company is telling me that I have to pay the {$6100.00} arrears amount in full. 
They will list a foreclosure sale data for XXXX but I will list the house for sale on XX/XX/2022. 

I know this will not delay anything but I wish your agency should something about these business practices. The Collections department recorded my conversations with them and typed in notes but every time I speak with someone from Collections department they ask the same questions as two days prior.
Consumer complaint received 2022-08-02
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (IL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record
Consumer complaint received 2023-08-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

This is nothing short of predatory behavior where consumers are taken advantage of and there is no recourse. 
I retired last XXXX and is trying to pay off my loans and mortgage. Each time I do something positive my credit score is lowered. This low number is then exchanged with my insurance companies who in turn increase my premiums goes up. It feels more like a scam which needs to be corrected. 

For example : On XX/XX/2023 I received this message from Experian. 
Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness.

Reason - Nice job paying off your loanyour account was last reported as having a Loan Outstanding, but now it's showing as paid with a zero balance. 

On XX/XX/2023 I received this message from Experian. 
Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness.

Reason - Your balance is the amount that you owe on an account. A high balance may have a negative impact on your Credit Score. 
I paid my Home and Auto insurance and my Current Balance on my credit card was {$1600.00}. My credit card is paid off every month and there was never a late charge. 

This credit score number is a scam and should be properly regulated of eliminated. 
Thank you XXXX
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlanticus Services Corporation (CT)

Hello have fortiva credit card wanted it closed told me they closed it then sent new card! When i made phone payment they REFUSED to give me confirmation number we cant do that said they would send email they dont! They wont send a BILL say i have to request one! Switch me to another dept that never picks up now they say im late and are adding late fees Ive never run into this before is this even legal??
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX # XXXX BAL : {$680.00} XXXX. XXXX ACCNT # XXXX BAL. $ {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.