davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

Good Afternoon I called XXXX to dispute a few items that are incorrect are my credit report and just received my updated one and the items are still on there. If you could please resolve this I would greatly appreciate it as I am trying to secure an apartment and I need to have a clean credit report. It is very important that the items are updated properly on my credit report. 

The first problem is my current employer does not show on my credit report. My current employer is XXXX. I started working there from XX/XX/2021 to the present. My current title is XXXX at XXXX. Please update accordingly. Also, please note that the previous employers that are on my report are correct. The only issue is that the current one is not updated. Would you please be sure that all three credit reports reflect this. 

The second item in question is XXXX XXXX XXXX in the amount of {$1000.00}. This HAS BEEN PAID IN FULL. Would you please update all three reports to be sure this is reflected that it has been paid in full. 

The third item in question is XXXX XXXX XXXX CARE OF XXXX XXXX XXXX in the amount of {$330.00}. Please be aware that this has BEEN PAID IN FULL. Would you please be sure all three credit reports reflect this? XXXX, XXXX and Experian. Thank you! 

The fourth item in question is XXXX XXXX XXXX in the amount of {$480.00}. Please be advised that THIS HAS BEEN PAID IN FULL. Would you please be sure to update all three credit reports to reflect this? XXXX, XXXX and Experian.
Consumer complaint received 2023-06-24
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. (CA)

There is a derogatory mark for the XXXX/XXXX  account for the only Experian on XX/XX/2022 as late payment. The other 2 credit bureaus : XXXX  and XXXX display " OK ''. 

Experian report display an inconsistency with report. I would like to have this updated.
Consumer complaint received 2023-08-10
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. (FL)

I have tried to fix this issue with the bureau but to no avail. They have failed to provide me with proof to verify the account. Per the law failure to provide proof equates to deletion.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NY)

I had received a letter in mail stating I had XXXX dollars in child support it gave me a phone number to call to receive a XXXX to get my money.I called the number told them I have it all arranged for my child support to be direct deposit into my bank account. They told me they could not do that only way to get my child support money was to apply for an XXXX a debit card .I asked them would I receive my child support in full? Were there any fees? They assured me I would receive the entire XXXX dollars and that there were no fees .I looked over the paper it also stated no fees only fees applied were to use ATM so I went ahead set up to receive my XXXX dollars in child support thru XXXX.Now I receive my XXXX and they took XXXX dollars I called numerous times to inquire on my XXXX dollars I was told at first that was all the child support I had.After many calls and arguments I was finally told they took my XXXX dollars for a replacement card when the paper I have clearly states no fee for replacement card and for expired cards I had with them in XX/XX/XXXX and XX/XX/XXXX.I asked to file a complaint the very rude and argumentative customer service rep on phone told me they do not take complaints.I asked to speak with a supervisor I was told he was as high up as they went there.I asked for his name and job title he told me he was the boss that ran things and he did not have to give out his name .He then told  me it was only XXXX dollars to get over it because it was gone and I would not be getting it back.XXXX dollars may not be alot to him if he is stealing XXXX here and there but to me it is alot I am a single mom who is XXXX and rarely receives child support. They should not be able to get away with stealing child support money I had a difficult time looking up an address for XXXX   I found that they are affiliated with XXXX XXXX  and found the address for thier corporate office.
Consumer complaint received 2023-06-25
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. (NY)

I noticed a XXXX XXXX XXXX account number ending in XXXX is being reported on my Equifax credit report. 

This account does not belong to me and was never used by me. 

I contacted XXXX and they advised me that this is an account that belongs to another primary account holder and I am listed as an authorized user on the account. 

Due to the status of the account ( charge-off ) XXXX was unable to remove me from this account. and they are refusing to remove this negative account from my credit report. 

I never authorized this account to be opened in my name. 

I request that this account be removed from my credit report immediately.
Consumer complaint received 2023-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

Quite some time ago I noticed a derogatory note on my credit report. This was being reported by NTL Recovery Agency. The amount was for {$300.00}. When calling the recovery agency I was advised that the collection account was from XXXX XXXX of Massachusetts. I was advised to dispute directly with XXXX XXXX. I downloaded the forms and sent proof of residence as I do not and have never lived in the state of Massachusetts. It has been longer than 2 months and I have never heard back the results of their investigation. No attempts to contact company have been successful
Consumer complaint received 2023-06-27
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)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 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
Consumer complaint received 2023-06-27
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-27
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. (NV)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-27
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$640.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$21.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (FL)

I am unable to provide specific dates or amounts, as this issue has been ongoing over a period of time. However, I have previously contacted the company regarding similar concerns. Currently, I am facing an overdraft balance due to charges applied several days after transactions were made, which impacted the available balance in my account. I would appreciate assistance in addressing this issue.
Consumer complaint received 2023-06-27
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. (LA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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. (CA)

Transunion won't remove a collection from XXXX XXXX XXXX XXXX XXXX XXXXXXXX first XXXX won't provide documentation that this collection belongs to me. second there not licensed in my state of California. Therefore, it's illegal and needs to be removed immediately.
Consumer complaint received 2023-06-27
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. (FL)

The unverified items 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 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 XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-06-27
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$700.00}
Consumer complaint received 2023-06-25
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: EQUIFAX, INC. (MO)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquires on my ( Equifax ) credit report. I recently retrieved my credit report and it showed ( 5 ) credit inquiries that I have no knowledge of ever authorizing.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXXXXXX XXXX XXXX  XXXX XXXX Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Removal date : XX/XX/XXXX ) -XXXX  ( Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX ) -XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX Removel Date XX/XX/XXXX ) -XXXX ( Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX )
Consumer complaint received 2019-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

AFNI was included in my dispute letters sent to the credit bureaus on XX/XX/XXXX. In my most recent letter on XX/XX/XXXX, I requested the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

It is now XX/XX/XXXX, and I have not received any validation as I requested above.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

When we go online we can not see our transactios .This has been going on for over a month. We have called XXXX several times with no results .All they tell us is that they are working on the problem and amazingly, they do not know when the problem, with not being able to see transactions, will be fixed. A company as big as XXXX and no one knows how to fix this problem. I have sent emails to a XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX at corporate with no response from any of them. I think my days of being a customer for over 10 years are coming to an end ... ... ...
Consumer complaint received 2023-06-27
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)

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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( I learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2023, a fraudulent transaction in the amount of {$2100.00} was shown on my Bank of America MasterCard credit card account with number XXXX XXXX XXXX XXXX. 
I did not authorize this transaction and the card was always present with me physically and never handled over or authorized to use by anyone. 

Accordingly raised a Fraud claim with Bank Of America on XX/XX/2023, and Bank of America opened a Fraud dispute claim ( Claim Number : XXXX ). 

Also filed a police complaint with XXXX Police department the same week with complaint Case # XXXX and an Identity Theft report with FTC Report Number # - XXXX. 

On XX/XX/2023, Bank of America denied the fraud claim saying incorrect information through I did not initiate the fraudulent transaction. 
This was not expected, since even though I mentioned to the Bank of America XXXX department that this transaction is fraudulent and not at all authorized by me, Bank of America incorrectly denied my claim Requesting help in this matter to resolve this fraud claim, and issue the credit.
Consumer complaint received 2023-06-27
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. (AL)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Had disputed account with XXXX and Experian online regarding XXXX XXXX of which they did not validate debt. The account in question should have the account condition as CLOSED not Indeterminate.
Consumer complaint received 2023-06-27
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. (MD)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$1300.00}