davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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. (GA)

XXXX XXXX is reporting my debt to the bureaus incorrectly My balance on my account is {$16000.00} They are reporting {$190000.00} Ive called and they can validate the amount but wont correct the issue Violation of code XXXX XXXX My auto contract states that I was insured with XXXX I never had XXXX. Insurance information on contract incomplete & incorrect I was insured by XXXX  XXXX  insurance the day I left the car lot A lot of inaccuracies
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting NON-MAILABLE ADDRESSES on my credit report. I have reached out to them several times regarding the matter via telephone and letter ( attached mailed on XXXX ), however the problem remains unsolved.
Consumer complaint received 2018-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

BANK OF AMERICA is a horrible company. They closed my account without my permission. I have complained to BANK OF AMERICA and it 's agents over and over again about closing down an account that should have been closed down. I was hit with over draft fees because I did n't put money in the account. I did n't put money in the account because it should have never been opened up in the fist place. Now they have forced closed my accounts that should be open and kept open the one that should have been closed!
Consumer complaint received 2024-10-29
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. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-13
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. (FL)

XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, EXPERIAN and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, XXXX and EXPERIAN.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-06
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. (ND)

Under 15 U.S.C. 1681 - Fair Credit Reporting Act, I requested XXXX XXXXXXXX XXXX to provide me with Legal Court Documents that supported the foreclosure on our ownership of a " property '' in XXXX XXXX. I also asked for the right service papers and documentation to prove that we received and accepted the summons. 

Nothing has been provided and a foreclosure just showed up on our credit report, causing harm.
Consumer complaint received 2018-01-12
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: William D. Meeker Enterprises, Inc. (MS)

On XX/XX/2017 ... i checked my credit report and saw that i had XXXX hard inquiries on my credit report. I called the three companies over fours times with no results ... just holding on for 30 to 40 minutes and being passed from one department to the next one. I called XXXX and they did'nt follow policy correctly ... .i told them three times on the call that i wrote letters and no response and the XXXX agent told me to keep trying ... its nothing they could do for me ... ... i am so tire of the run around and games.I need help!
Consumer complaint received 2024-10-22
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. (TX)

I am concerned with how my disputes are being handled. I retained every dispute submitted concerning above listed item/account that Transunion continues to use as a discrimination tactic against me. I believe Transunion is singling me out in violation of the FCRA and ECOA. The FCRA requires the consumer reporting agencies to take the necessary measures to insure complete accuracy, fairness, impartiality, and respect for my right to privacy. I am asking for detailed evidence, including names, titles, and verifiable statement of who and how my previous disputes were handled. I have submitted same dispute with other major consumer reporting agencies and results were the deletion of the XXXX XXXX account as it was found in violation and causing harm to consumer report. I have also filed another dispute with the CFPB and XXXX concerning this repeated matter. Please send me updated consumer file.
Consumer complaint received 2024-10-29
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. (NC)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$420.00} XX/XX/XXXX XXXX, IN XXXX {$96.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I have submitted valid complaints against Experian and now I can no longer get through to a representative to check the status of a previous dispute. When I call Experian at XXXX MY only menu option is for a copy of my credit report or about my credit freeze. When I call Experian from my daughter 's phone the menu options are extensive! 

Because of my limitations on the Experian menu I am unable to check the status of MY report. The same report that Experian allows Companies to say whatever they want about me and my credit. The companies can reach them but I can't. 

Experian needs to explain why the amount of a debt from XXXX XXXX is different from the other 2 bureaus and then, they need to remove this debt as it is fraudulent. I have provided Experian with the documents I have provided to Portfolio Recovery and it needs to be noted that I have NOT RECEIVED ANY documents from XXXX XXXX in reference to the debt they claim that I owe. 

This is turning into a legal matter.
Consumer complaint received 2018-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (TX)

I am writing a complaint in regard to Smith, Rouchon & Associates ( SRA ) in regard  to three accounts that are reporting to XXXX and XXXX. I sent a certified letter to SRA in XXXX 2017 requesting debt validation as I am afforded the opportunity to validate any debt that is reported on my credit bureau reports. I also requested at this time HIPPA authorization signed by me allowing SRA to access my medical records. In response to my letter I was not sent any of the requested items afforded to me under the FCRA. I was however sent a letter demanding payment from XXXX XXXX specifically stating " You must pay the debt in full now ''. I have given ample time for the requested validation of debt and HIPPA authorization to be provided as requested to no avail. I will be including a copy of the original letter sent requesting said items and the response letter from SRA. I have not received any further correspondence in regard to these debts from SRA. IN addition I believe one of the debts in the amount of XXXX to be related to a worker 's compesation incident which was already paid by XXXX XXXX. In the state of Mississippi it is illegat to attempt and collect additional monies from a workplace injury victim. If needed I will provide proof of where this debt was paid by XXXX XXXX. I also have the worker 's compensation case number as well.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I have submitted valid complaints against Experian and now I can no longer get through to a representative to check the status of a previous dispute. When I call Experian at XXXX MY only menu option is for a copy of my credit report or about my credit freeze. When I call Experian from my daughter 's phone the menu options are extensive! 

Because of my limitations on the Experian menu I am unable to check the status of MY report. The same report that Experian allows Companies to say whatever they want about me and my credit. The companies can reach them but I can't. 

Experian needs to explain why the amount of a debt from XXXX XXXX is different from the other 2 bureaus and then, they need to remove this debt as it is fraudulent. I have provided Experian with the documents I have provided to XXXX XXXX  and it needs to be noted that I have NOT RECEIVED ANY documents from XXXX XXXX in reference to the debt they claim that I owe. 

This is turning into a legal matter.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

XX/XX/year> To : Tx Office Of Attorney General, TX Child Support Re : Notice of Dispute ( AND ) Request To Close Case File I have sent certified letters, as well as email XXXX, XXXX and XXXX. 

Mailed Certified to XXXX XXXX XXXX, XXXX TX The Company has failed to respond to any of my phone calls or letters. 
This is not a loan, nor is it a contract, yet this is being reported on my credit reporting agencies of XXXX, Equifax and XXXX.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-28
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. (PA)

To whom this may concern, my name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681-2 ( a ) and ( c ) and 15 U.S.C 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, violating my rights! Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both authorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XX/XX/year> To : XXXX  Office Of Attorney General, XXXX  Child Support Re : Notice of Dispute ( AND ) Request To Close Case File I have sent certified letters, as well as email XXXX XXXX  and XXXX 

Mailed Certified to XXXX XXXX XXXX, XXXX TX The Company has failed to respond to any of my phone calls or letters.

This is not a loan, nor is it a contract, yet this is being reported on my credit reporting agencies of Transunion, XXXX and XXXX.
Consumer complaint received 2018-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (OH)

I have an ongoing dispute with Suntrust Bank regarding unauthorized use of my debit card. Im waiting for $ XXXX+ to be returned to me that was stolen. I filed the initial claim over 3 weeks ago. Still waiting for credit. I received a letter from them today that theyre closing my account. So, they claim to have a zero liability policy. However, if you actually need to file a claim, their zero liability policy seems to disappear. AND they close your account on top of that. Thats some way to treat a customer. Or ex-customer as it is. Now, at this point, I really couldnt care less that they closed my account. The way Ive been treated I would have done it myself. I just want my stolen funds returned to me.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (AL)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX Payment history incorrect. Showing multiple late payments. 

XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX Some look as if they are duplicates.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

The Names on my credit report are completely wrong & Mis splled.. my full name w/ correct spelling is XXXX XXXX XXXX NOT . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please help me, I find this information to be very crucial on my credit report and I need it fixed.