davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
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. (NY)

unauthorized inquiries on my credit report Inquiry 5 Inquiry Date XXXX - XXXX Creditor Name XXXX  XXXX  - XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX AZ, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 6 Inquiry Date XXXX - XXXX Creditor Name XXXX - XXXX Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - - Creditor Phone XXXX - - Inquiry 7 Inquiry Date - - XXXX Creditor Name - - XXXX XXXX Creditor Address - - - Creditor Phone - - - Inquiry 8 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 9 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 10 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 11 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX - - Inquiry 12 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX  XXXX XXXX IL, XXXX - - Creditor Phone XXXX - - Inquiry 13 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 14 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 15 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX   XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 16 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX FL, XXXX - - Creditor Phone XXXX - - Inquiry 17 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX
Consumer complaint received 2019-05-17
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. (CA)

This is an official grievance against EXPERIAN situated in XXXX XXXX XXXX XXXX, TX XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. 
For yet another time, the following are fraudulent and need to be removed : XXXX XXXX XXXX, ACC # XXXX Date Opened XXXX XXXX. 
XXXX XXXX, ACC # XXXX Date Opened XXXX. -XXXX XXXX, ACC # XXXX. Date Opened XXXX.- XXXX XXXX XXXX , ACC # XXXX. Date Opened XXXX.- XXXX Regardless of my goals to resolve this unpleasant nightmare for a number of months now, EXPERIAN has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was just getting my credit report and I seen that I had some address that are not mine. I never lived at these Places not sure how that got on my credit file. My name is XXXX XXXX XXXX XXXX SSN XXXX My address is XXXX XXXX XXXX XXXX, OHIO XXXX. Please delete any other name and or addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-05-17
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. (MO)

I have submitted many disputes due to errors on my credit report. The errors were invalid dates, incorrect amounts or two companies reporting the same debt even after it was sold. I have received notifications that the credit reporting agency ( experian ) fixed the error and updated the accounts or that they were correct. They still had incorrect information. I called the reporting agency and spoke to an agent who, after opening my file, said he can't speak to me about my file before handing up on me. I called back and spoke to another agent, who, after I explained the problem, also hung up. One example, XXXX XXXX, they claim was opened in 2015. It was not. Wrong dates!!!
Consumer complaint received 2019-05-17
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. (NY)

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hi this is XXXX XXXX. I have XXXX in my capital one account. I called capital one on XX/XX/XXXX in the morning and the lady said that the department who restrict your account they do not want to talk to you. You can only leave the voice mail. It is been 3 weeks they restricted my account. They are holding me money for no reason. They are intentionally making me suffer. I live in XXXX and I even offered them that I can go to XXXX XXXX XXXX in CapitalOne branch personally they said no it is online account. The capital one can not assist u in the branch. First, they asked me to send them my ID which I did on XX/XX/XXXX but still they did not open my account. They did not leave any option for me to cooperate with them in this regard. Why I have to call capital one and need to beg for my money. I strongly believe that they are discriminating me and making me suffer by holding me money. Please assist me how I can I take to court?
Consumer complaint received 2019-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name XXXX XXXX XXXX, I have several name variations on my credit report that need to be deleted XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. I was going over my credit report and I noticed that there are several errors. My current and only address XXXX XXXX XXXX, XXXX, OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2019-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (PA)

Security credit services reported a collection onto my credit XXXX of 2017 for something call tempo. I never received anything from them, but at the time did not know my rights to dispute, or request validation. A few months ago I filed a dispute and received what appears to be a print out of some form of contract from XXXX. First this does validate a debt. Its not the original contract with my signature. 

So over the past 3 months Ive called security credit services multiple times. Just trying to have a general conversation about the debt. Such as when the actual debt occurred because there hasnt been a sears around me for almost 4-5 years, so the 2017 date they have listed is nonsense. But once again I called to have a conversation about this alleged debt and I can not get anyone to answer during their normal business hours, or anyone to call me back from the messages I left. If your companies business model is to make money, why wouldnt you answer the phone? 

A quick search into their XXXX complaints shows this is a constant pattern with this company.
Consumer complaint received 2019-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (ID)

XXXX account became past due in XXXX and was sent to collections. XXXX it was removed from my credit report as charge off. It the re-appeared on my credit report under XXXX XXXX  and is reflecting a debt date of XX/XX/XXXX. When I called XXXX XXXX I had to call a different number to talk to anybody about my account because it was being handled by an outside source.
Consumer complaint received 2019-02-26
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: EQUIFAX, INC. (OH)

My name XXXX XXXX XXXX, I have several name variations on my credit report that need to be deleted XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. I was going over my credit report and I noticed that there are several errors. My current and only address XXXX XXXX XXXX, XXXX, OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these XXXX XXXX XXXX XXXX LP # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2019-02-26
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. (MI)

Experian has not provided me with valid verification according to my consumer rights that this account is actually mine. I have sent multiple letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting that Experian show me validation by a signed written contract that this debt is actually mine. They have to date refused to do so. I requested that Experian physically validate this information with this company without any automated XXXX system which is not fair to me as a consumer however I feel like I am being given the run around. The amount of this debt is with XXXX XXXX  and it is for {$12000.00}. To my knowledge I have not even done business with this bank so I need some one to take a look into why Experian is reporting this on my credit report with out a written contract validating this debt claim and why.
Consumer complaint received 2019-05-17
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)

I sent a dispute letter to XXXX on XX/XX/2019 informing that the information regarding these accounts is inaccurate : XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX   ; XXXX XXXX XXXX ; XXXX. Their reports listed errors in payment amount, payment history, status date, closed date and charge off for XXXX XXXX XXXX ; XXXX ; XXXX & XXXX XXXX XXXX. They deleted XXXX XXXX XXXX XXXX. 

When they sent their Disputes Result # XXXX of XX/XX/2019, they actually changed information from the report in which I found the inaccuracies ( report # XXXX of XX/XX/2019 ).
Consumer complaint received 2019-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (OH)

I have a mortgage with US BANK and i am currently upto date with said mortgage, never missed a payment or been late, my wife filed a chapter XXXX bankruptcy by herself with no affiliation to the mortgage or myself, the US bank has saw fit to remove this from MY credit history and refuses to put it back on, the XXXX  Credit Agency also refuses to fix this issue, both companies refuse to speak to each other as required to fix the issue.
Consumer complaint received 2019-05-17
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: PRESTIGE FINANCIAL SERVICES INC (PA)

I've made several attempts to correct the issue with Prestige Company. Company stated applied for a vehicle on XX/XX/2018 from XXXX XXXX and XXXX XXXX XXXX. Made contact with both companies with certified mail and they failed to comply according to FCRA. Prestige continue to report Hard inquiries on report. Requested hard copy and continue to get letters not complying to guidelines.
Consumer complaint received 2019-03-06
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 (MI)

Here is a chronological timeline of the events that happened which led me to filing this complaint ... ... ... ... 

XX/XX/2019 XXXX - alert-email about charge of XXXX XXXX [ fraudulent ] from XXXX ( later reverted back PERMANENTLY ) delivered to my XXXX inbox [ I did not initiate/authorize any purchase with XXXX ] XX/XX/2019 XXXX - " email verification '' request from XXXX delivered to my XXXX inbox [ I never initiated any email subscription for XXXX, nor have I ever used their services - they shouldn't even have my email address ] XX/XX/2019 XXXX - alert-emails from XXXX delivered to my XXXX inbox about : ( a ) charged XXXX $ amount [ disputed ] ( b ) order confirmation for " XXXX  XXXX XXXX  @ XXXX XXXX XXXX @ XX/XX/2019 @ XXXX, Order noXXXX '' ( c ) order ready to print [ I've never used XXXX services ever before - they shouldn't even have my email address ] XX/XX/2019 XXXX - tickets confirmation from XXXX delivered to my XXXX inbox XX/XX/2019 - transaction [ fraudulent ] from XXXX posted to my Bank of America credit card account XX/XX/2019 XXXX - call with XXXX  agent disputing the transaction and reporting fraud sometime between XX/XX/2019 and XX/XX/2019 - called up Bank of America, reported fraud and closed the credit card account. Also called up XXXX to review their arrangements with XXXX   who is their third-party re-seller XX/XX/2019 - fraudulent charge [ disputed ] on my credit card taken off by Bank of America XX/XX/2019 - letter received from Bank of America about taking off fradulent charge and that they are investigating further into my claim XX/XX/2019 - final letter from Bank of America that their investigation found that there was no evidence of fraud, hence the charge of XXXX $ added back to my new credit card account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SUMMARY : I never authorized or initiated the purchase of any concert tickets with XXXX and XXXX amounting to a transaction of {$140.00}. As I also have never used the services of both these organizations ever before, they should neither have my credit card information, nor they should have access to my email address. 

Reviewing the final letter sent to me by Bank of America, that has close to no information about the 'process ' of their " investigation '', it's very clear that the Bank has failed to do due diligence to their own investigation. I do not agree with the final findings of this investigation and I make a stand that the charge is wrongful/unauthorized/fraudulent and should be reverted from my credit-card account permanently.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX D.O.B : XX/XX/XXXX I have been a victim of Identity Theft. To protect myself from further harm, I have filed a police Identity Theft report. These fraudulent accounts were not authorized by me. 
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : Please update, modify or remove any account that is not reporting with 100 % accuracy. I have been a victim of Identity Theft. To protect myself from further harm, I have filed a police Identity Theft report. These fraudulent accounts were not authorized by me. I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account. I pulled a copy of my credit report and noticed a fraudulent account. 
I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX/XXXX   Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX  XXXX/XXXX Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX/XXXX  Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX/XXXX   Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is  involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical  documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-17
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)

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE DEBTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.