davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have  provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP. I have also attached company of it being deleted from my XXXX report. 

The inquiries below I didn't authorize please delete all 6. 

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 Finance XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

Spoke with XXXX on XX/XX/22 at XXXX I was given relief on my missed payments. I was negatively impacted by the coronavirus pandemic and missed payments on my discover card, When discussing the cares act with the agent, asking that since I received relief with the accommodation of waived late fees that the account should reflect as current. This was not provided to me. 

On XX/XX/XXXX I spoke with 2 agents I was given a refund in late fees and encouraged to raise my limit.
Consumer complaint received 2024-11-19
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. (MD)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2022-03-24
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. (FL)

XXXX dealers company access or share my credit report multiple times without my authorization with more than 5 agencies at the same time and same date. To my understanding when you purchase a house or vehicle during a period of days only one hard inquiry goes to the credit reports. In my case 5 inquiries to XXXX, 4 to Equifax and 2 to XXXX. All done the same date.
Consumer complaint received 2019-08-12
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 incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} ( THIS IS A DUPLICATE ACCOUNT )
Consumer complaint received 2019-08-09
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)

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap ... XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ),
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022, I contacted my chase business credit card to ask how my promotion worked. Before getting a representative I had to verify my name, address, and the security code on the back of my card. Then the representative came on I had the verify my account further by providing my name, she wanted to know if I had my other chase credit cards on me and when i told her I did not have them on me she wanted to text me a code for security purposes which I told her was fine. She asked to verify my phone number and i told her that she can just send it to the number on file. She wanted me to say the number and I explained that I did not want to say my number out loud because I was in a public place. She explained that without being able to verify me she could not access my account. I told her that you can verify me by texting the verification, I do not want to provide my number verbally. Also when you text me the number and I provide you with a response of what you are texting me doesn't that provide you with what you need. She said we couldn't move forward without me providing my number. She told me that she would have to transfer me to fraud. Seeing that my time was completely being wasted I had an exchange with the representative and asked for a supervisor to assist me further. The representative continued going back and forth with me and I had to ask her again for a supervisor to assist me before she would comply. I believe the supervisor who joined the call after a hold was XXXX. She verified me further by asking for the name of business which I provided. She got on the phone and pretended like she did not know why she was joining the call. I explained that it feels like I have to jump over hurdles when it comes to verifying I am me and getting a question answered. She responded as if she did not understand what i was talking about. She placed me on hold in order to review the notes on my account and never came back. She placed me in the queue to speak to fraud. What a waste of my time. Now as a result I will not be using my chase card anymore until this matter is resolved and if it is not resolved in a reasonable timeframe ( 30 days ) i will move to close my accounts. I don't mind being verified, but this is more than I wish to deal with. Being a Chase credit card holder for a long time, I have never went through this much verification to get simple information on my account. I am currently not able to pay my business account online so having this card requires me to speak to someone at least one a month if i have a monthly bill to pay. It feels like I have taken steps backward when I put this card in my wallet. I am not interested in being frustrated when dealing with Chase. I am happy to find my own remedy if you are not able or willing to. With all of the things I verified on this call not to get my one question addressed is a joke.
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint relates to XXXX, but is a new complaint based on BANK OF AMERICAS ACTION OF YESTERDAY XX/XX/2019.I allege than CEO XXXX XXXX  could be prosecuted personally under RICO for running the 2nd largest bank, but profiting illegally.Yesterday 's incident shows lack of error but pattern and practice OF ILLEGAL BEHAVIOR.BOFA PUT A 9 DAY HOLD ON A SECOND CHECK AT @ XXXX LAST NIGHT. 
YOU CAN NOT REJECT THE TRANSACTION AT THE ATM AND GENERALLY THE MAKERS CAN NOT STOP PAYMENT BECAUSE THE CHECKS CLEAR OVERNITE. 
BANK OF AMERICA IS MAKING MONEY ON THE FLOAT INVESTING MY MONEY FOR 8 DAYS FOR FREE ... THEY ARE STEALING THE USE OF MY MONEY UNDER A LOT OF MALARKY LIKE THEY HAVE A LEGITIMATE RIGHT TO DO THIS ... THEY SELL CHECKING ACCOUNTS BUT HAVE QUIT CASHING CHECKS, THEY WILL TAKE YOUR CHECK CASH IT AND INVEST IT TELLING THE PUBLIC THAT ALL BANKS DO IT ... CEO XXXX IS RIPPING OFF HIS CUSTOMERS.
Consumer complaint received 2019-08-12
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. (CA)

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX****, XXXX XXXX XXXX ( Original Creditor : 10 XXXX   XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX**** and XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX****
Consumer complaint received 2019-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (IA)

Between XXXX of XXXX and XXXX of XXXX, I was repeatedly given wrong information, and misled about the status of my account. I tried repeatedly to apply for economic hardship deferments, forbearances and income-based repayment plans, but was constantly denied. The reasons for denial were ridiculous. For example, they would claim that I didn't include information that I most definitely DID include as requested. Other times I was told I wasn't eligible, or that my request " was not an option for me ''. Actual people told me those things even though I was eligible. They lied. 
All this time, they very inconsistently reported information to the credit bureaus regarding the status of the account, which became delinquent ( according to them ) as I tried in vain to seek relief! Some months they reported, others they did not. Even when they did grant me a deferment for a few months, they still reported my account as delinquent to the credit bureaus. After my account was transferred to another loan servicer, I requested that the closed account be deleted from my credit report at all the credit bureaus. They have repeatedly denied this request, even though the payment history is grossly incorrect.
Consumer complaint received 2022-03-24
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. (NC)

I sent a letter to the furnisher XXXX XXXX  dated XX/XX/XXXX regarding the negative items reflected on my account. I've mailed debt validation date XX/XX/XXXX and method of verification letters dated XX/XX/XXXX to the 3 bureaus. I received a statement from XXXX XXXX  dated XX/XX/XXXX that this account was already sold last XX/XX/XXXX. 
Balance : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

I have applied to Comenity Bank for the XXXX Card. Each time I apply they run my credit and hit me with a hard inquiry. At such time they claim I have a freeze. I do not have a freeze or any block on my reports. Each letter I have received in the past has a different excuse and when I call they tell me something different that contradicts the letter. On the last application in XXXX they have never sent to me any correspondence for this application. But when I call they claim I have a freeze. Once again I have no freeze. 

I am middle eastern and was born in XXXX and was born XXXX. I have asked them several times do you have a problem with my background? They won't answer. 

Each manager I get transferred to won't help me, they listen to me and them tell me to re-apply ion 30 days. 

This is such harassment and is causing me additional time with the credit reporting agencies to validate my reports with them.
Consumer complaint received 2019-08-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Burton Neil & Associates, P.C. (PA)

In XX/XX/2019, there were 2 payments that were automatically drafted in my bank account of {$100.00} each. I called Burton Neil and Associates to explain the situation and my Blended Case Manager was with me when we both talked to a Mr. XXXX XXXX. XXXX XXXX stated that there would be a check mailed to me in the amount of {$100.00} and it never came. Then, XXXX XXXX XXXX, mailed me a letter on XX/XX/2019 explaining that a deposit of {$100.00} with the check number XXXX will be deposited into my account when in fact it was a withdraw for {$100.00} with the {$100.00} refund deposit still uncountable for. Now I am very stressed and worried where this {$100.00} is THAT HAS BEEN PROMISED IN WRITING.
Consumer complaint received 2019-08-09
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 — Investigation took more than 30 days
Company: ID Analytics, Inc. (IN)

XX/XX/2019 I was denied credit by XXXX XXXX  due to SageStream , LLC credit reporting. 
However, I did purchase the vehicle finance by another Bank. SageStream , LLC is not a legitimate Credit Reporting Company and should be prevented from access to personal financial information.
Consumer complaint received 2019-08-07
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. (SC)

I've been communication with all 3 bureaus via USPS and occasionally over the phone when I could get ahold of a dept that wasn't outsourced in a foreign country. I was instructed by a helpful rep over the phone at XXXX, she informed the methods necessary to have fraudulent accounts properly disputed and removed. I send a series of letters to all three credit reporting agencies and only XXXX has complied. I would like for a representative in the fraud department to take a look at my information and properly process my identity theft dispute.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

For the past 4 years Ive been trying to fix my credit report. I have gone through 2 loan agencies and they have both told me that it appears my credit is frozen. Ive contacted all 3 credit bureaus. XXXX, XXXX and Experian. All three Ive called, sent my personal identification to request a unfreeze lift. All three have came back saying there are no reports of my frozen account. With this supposed freeze I can not do anything with my credit. Nothing can be pulled through various bureaus and the bank I use.
Consumer complaint received 2019-08-10
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-08-07
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: Experian Information Solutions Inc. (UT)

Attempt to dispute an invalid Hard Inquiry on my Experian Credit Report. Called 8 different phone numbers before finally talking to a person. On their website unable to dispute hard inquiries said to call but calling provided no solution. Representative would not put the dispute in the system and told me I had to call the Bank who made the hard inquiry but i had already done that and they said they had no record of the inquiry. Experian would not provide more information about the Hard Inquiry and provided no recourse for me to file a dispute in violation of the Fair Credit Reporting Act. 
This is the copy from the Hard inquiry : " XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online ''
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (SC)

I dont have the exact date, but I did spoke with someone and they stated that since it was over 90 days since the account was closed it was nothing that they could do since it was turned over to the creditors. The account been was suppose to be in my sister name but they didnt changed it on there end. So when she went in XXXX of 2018 instead of her paying the bill she had gotten another phone. So they just had closed the other account. I didnt know until I received a collection letter in the mail stating I owed them and that's when they told me it was nothing they could of done since they never had put it I her name and that it was already closed. The amount is {$430.00}.
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I received a call today, XX/XX/XXXX, from someone calling from a " XXXX '' number stating that I was being sued. They stated they could not give me any information because they were only a process server and the file was sealed and certified. They attempted to verify my name and last 4 of my SS #. I told them that the name they were verifying was incorrect, but the last 4 of the social were correct. I again asked them for more information regarding the company etc. to which they responded they did not know but would connect me with the company if I wanted further details. Upon being connected with the company, they told me the call was being monitored and recorded for quality assurance purposes and attempted to verify my name and last 4 of my social. I again told them that they had the wrong name. They said they were a mediation service trying to serve me for a lawsuit, plaintiff being XXXX Bank. I asked them what the name of their debt collection company was and they insisted that they were only mediators attempting to locate me for the suit. I then asked them from what year is the debt, and they stated XXXX. I asked them why they were trying to collect on a debt that was more than 10 years old. They stated that they were not collecting on a debt, but only trying to notify me of suit. I told them that I had no knowledge of the debt, and then asked them what their address was because I would be filing a legal suit against them. The CSR told me XXXX, TX, and I asked if they were licensed and bonded to collect in Ill. They then stated that they did not have to be as they were not a debt collection agency. I again told the CSR that I did not have any knowledge of the debt. Upon further investigation it does look like this is a debt collection agency and that they are misleading with false misrepresentations about what kind of business they are operating. Furthermore, under the FDCPA laws they are not legally allowed to collect on this zombie debt of more than 10 years.
Consumer complaint received 2023-06-09
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. (TX)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (FL)

I've tried contacting the credit reporting agencies multiple times about this situation and nothing has been done to further assist me or resolve it. This has been affecting me in my personal life and it has been hectic having to go back and forth with the companies about helping me. This information reporting on my account is unauthorized. Please, help to resolve this situation immediately.