davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX  XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

1 ) I had to dispute back and forth multiple times in writing with Equifax in XXXX to remove an address in Arizona that was fraudulent as I have never lived in Arizona and it was tied to someone stealing my credit to open an account ( which I reported to the police ). I have a written report from Equifax in XXXX stated that they agreed the address is fraudulent and had removed it. I now see ( XX/XX/XXXX ), they have put that same address back on my credit report 3 years later as a former address. This is a broken system and it seems unreasonable that I now need to take several months again to fight the same battle. 

2 ) In addition, I initiated a fraud alert which is supposed to make it difficult for someone to attempt to open credit in my name. The other credit reporting agencies seem to be honoring this and I had to take additional steps ( as I should ) when I recently took out a car loan to prove my identity. Yet somehow, Equifax allowed XXXX XXXX XXXX to do a hard inquiry on my credit without my social security number ( which I know to be the case because I am now signed up for a credit monitoring service that lets me know if someone tried to open an account with my soc sec # ).
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-06-03
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. (NV)

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation.
Consumer complaint received 2020-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Please review to make sure that application for payment plan change or whatever the proper term is correct. I am not sure if I was eligible to have the plan changed. I reviewed the application documents or whatever again at a later date. 

Also, I think I didn't receive statement ( s ) for whatever reason. I have been at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX since like XX/XX/18. 

I can't attach anything because I don't have a laptop, desktop, XXXX, etc.
Consumer complaint received 2020-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (IN)

On XX/XX/2020 at XXXX, I contacted Capital Accounts regarding a collection account that showed up on my credit report for {$61.00}. They stated it was for a dental bill at XXXX XXXX XXXX. I told them that I have never been a patient of that dentist, they asked if I had a spouse or children that were a patient. Since my children are grown and out of the house, I told them that I did not know. They stated that since I carried the insurance for the account that I was legally responsible for the bill, even though I did not sign any agreements. I informed them that is not the case and asked them to send me the information on the account and they said they could not. They also did not send me the notice of debt within five days of our first communication.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX  and XXXX  Report NumberXXXX CAPITAL ONE Account XXXX And CAPITAL ONE BANK USA N Account XXXX I Filed a dispute for the miss payment. 
Now both of my credit card has been deleted from my credit report. I need both of my credit card back on my account for my payment history and for my revolving account. I wanted the miss payment fix not delete my cards on file.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA CONFIRMS NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW OF YOUR CLAIM see attatched XX/XX/XXXX.?????? USAA DOES NOT PROVIDE FRAUD CREDITS BECAUSE *NO FRAUD OCCURRED. see attatched XX/XX/XXXX Transactions Security Adjustment. XXXXCREDIT REVERSALS BEGIN ON THIS ACCOUNT XXXX????? USAA REVERSES {$160.00} CREDITS. XX/XX/XXXX. How can usaa CONFIRM NO FRAUD ON ACCOUNT?? Then CLEARLY, REVERSED CREDITS ARE MERCHANTS NOT USAAs.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MN)

On XX/XX/2020, I used a US Bank ATM machine to deposit {$500.00} in cash, all in twenty dollar bills. The location was the US Bank ATM at XXXX XXXX XXXX  XXXX, XXXX, MN XXXX. I used my US Bank issued VISA branded debit card to make the deposit. I loaded the bills in groups of five, and the machine counted up to {$400.00}, then I inserted the last five {$20.00} bills. The machine then made a different sound, and I could tell it wasn't counting the bills like the ones I had just inserted. Then the machine made beeping sounds, then other sounds in the back of the machine. The screen went black, then the screen said something about an error with a cable in the back. The screen went black again, then restarted, then said that the machine was out of service. I called my husband in from the car where he was waiting outside, and told him what happened. The machine had not returned by debit card, so I pushed cancel, enter, and all the buttons until the machine finally spit the card out. I never got any kind of receipt, and the bills were all inside the machine. I called the XXXX XXXX consumer number right then at XXXXXXXX XXXX and told them what happened. They took all the information, entered a claim for me, and told me not to worry, they would get the money back. We didn't get anything in the mail, or by email, or any notice in our online banking accounts. 
Five days later on XX/XX/2020, I called again, talked to XXXX who gave me our claim number. She said it can take up to ten business days to process. After not hearing anything again, I called again on XX/XX/2020, talked to XXXX, who said the claim was denied, but could give no reason why. On XX/XX/XXXX, we received the claim denial letter that said that no error occurred with our transaction, so they have denied the claim. We then contacted our local personal banker at US Bank and left a message about what happened and that we would like to meet with her. We have since left her another two messages to arrange a meeting, but she has not returned our calls. We have been customers of US Bank for over 40 years, have never written bad checks, have never been in any kind of default or claim with them prior to this, and have numerous deposit accounts with them. We feel like we have been robbed by our own bank. We don't gamble, and never expected that using their ATM machine could be like gambling!
Consumer complaint received 2020-05-19
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have made several attempts with proof to show that my Mortgage payments for XX/XX/2019, XX/XX/2019 and XX/XX/2019 were made on time for my Bank of America Mortgage, account last four numbers ending with XXXX.
Consumer complaint received 2020-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

After reviewing my credit profile on XX/XX/2020, I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2020 as this medical account has been paid for by my insurance/XXXX. Credit report was reviewed again on XX/XX/2020 and the account is still reflecting on my report and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account, therefore a 2nd validation was sent out. On XX/XX/2020 my credit report was reviewed again and the discrepant account continues to reflect and has not been annotated as in dispute. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by my insurance/XXXX  and that all information is correct and valid.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Please investigate and remove fraud accounts.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

XXXX opened XX/XX/2017 account number XXXX XXXX XXXX  account number XXXX
Consumer complaint received 2020-06-02
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. (MI)

I have sent all 3 credit bureaus, the proper paper work on the this bankruptcy, I have asked them to give me something in writing stating how they got this information, all I want them to due is verify how they got this information in order to put it on my report. I have typed proof, that the United States Bankruptcy court didn't report this to any of them, also I have a typed report from XXXX also stating that they don't report. and also XXXX XXXX stating that they didn't report. So please explain to me in writing how you all got this information, to put on my report.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Using the www.annualcreditreport.com site, I tried to access my three free credit reports. XXXX  was able to present me with a report. TransUnion and XXXX  claim that they were unable to verify the information I provided and did not provide me with a report. There was no explanation provided. My understanding is that the three agencies provide and support that site. So how come they can not collect the information that can ensure my identity is valid? Of course, they offer the ability get a report by mail. This is all designed to frustrate the user until they give up. They are not living up to their responsibilities.
Consumer complaint received 2020-06-02
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. (TN)

This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on Experian Credit Report XXXX. I am disputing the accuracy and legitimacy of these account charges. When they initially surfaced, I contacted XXXX and advised them that both me and my wife were identity theft victims and that we had not made these charges. Subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my wife had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I met with similar results with our XXXX XXXX XXXX XXXX Acct XXXX. XXXX XXXX XXXX XXXX has repeatedly stated they are under no obligation to conduct any subsequent investigation. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX, XXXX XXXX XXXX XXXX and Experian have failed to do either. I demand to be provided the results and a copy of the actual investigation conducted on each of these matters, contemporaneous to the event and report.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

Hi, I have opened a new checking account with Suntrust and it was approved on XXXX XX/XX/XXXX. I went ahead and provided direct deposit details to my employer who wet ahead and deposited my 15 days salary of around {$4500.00} which came to account on XXXX XX/XX/XXXX. 
However, when i tried to login online on XX/XX/XXXX XX/XX/XXXX, I came to know that my account has been freezed after talking to customer care. They told me that I will not be able to access my account as it is in process of getting closed. When i asked on the reasons which triggered this problem, they mentioned they were not aware of any reason and I would get a letter explaining the reason and a check for my balance ( approximately {$4600.00} ) in a month of so. 
I offered to provide any missing information to continue my relationship or to get faster access to my funds but I was informed that neither of them is possible. 
I even explained them I am already banking with XXXX which is same bank now but to no effect. 
I am finding it very difficult to understand why would they approve my account, accept a direct deposit from my employer and now close the account with no explanation provided or seeking any missing information from my side. I did not made ANY transaction at all which could have triggered any reason to close my account. 
Most importantly, they have blocked my complete 15 days pay check of {$4500.00} which i need immediate access to in such uncertain times of corona-virus pandemic. 

My Account number - XXXX Thanks XXXX
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (TX)

National Credit Systems XXXX XXXX XXXX This debt was dismissed during a court case in 2018. 
XXXX XXXX is no longer responsible for the debt. I was never involved in the court case nor was I contacted. I was a cosigner on this apartment and wasn't notified about anything until the collection agency started contacting me. This should have never been reported on my credit file/ I'm still being contacted by the collection company who's have a really bad attitude towards me for trying to resolve this issue. I attempted to resolved this issue with this company who never tried to listen they only wanted payment.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was a victim of identity theft. They have incorrect addresses, phone numbers and employer on me credit file. I submitted a copy of my drivers license as proof and I filed a police report, FTC and CFPB with creditors and collection agencies. I also contacted ALL three credit bureaus to let know of such act and it has been three months now and finally starting to see some results. I contacted XXXX  and the rep was extremely rude and not helpful at all stating that they don't receive any disputes or updates. I am frustrated as this is causing a financial burden on me.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Problems 2 years ongoing company 's denied due TransUnion .order credit report dispute accounts that doesn't belong. Notice due ton going dispute the accounts was removed then was reattached notice soon as my credit report reach XXXX marks. My scores decreased for any giving reason. While XXXX, XXXX continue to increase. There is problems some were in TransUnion computer systems attack below is printed out TransUnion soon reach XXXX marks it dropped Down XXXX. I'm Making on time payments. No other new accounts opened
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK (MT)

XX/XX/2020 Receiving emails stating they have found accounts that they would like to add to the existing contract. 
When I reply back to customer service they have told me these things keep coming up on my file. 
The thing is the account or accounts they claim they keep finding don't show up on my files on my end, in any of the credit reporting agencies and I have all of them including XXXX. So where do they get the information the consumer does not have access to? 

So I ask and they respond with some sort of account number in some collections dept. 

So I respond back and then they send me an email sounding like it may belong to someone else. 
this is very disturbing. 
In the mail, they keep suggesting they can offer some sort of loan to cover the funding of the debts but again the confusion is how do they expect to negotiate a debt when they claim they don't have proper account info after it has gone to collections so they lead me to believe they can finance the whole operation through a third party they call a sister company. 
With the constant misleading and confusion, I am lead to believe something fishy is going on with the company. Maybe it the result of the recent lockdown and no one is actually doing anything but sending scripted autoresponders to address the issues but who the XXXX knows
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
DEPTEDXXXX XXXX {$840.00} XXXX {$840.00} XXXX {$1900.00} XXXX {$500.00} XXXX {$280.00} XXXX {$760.00} XXXX $ XXXX {$1100.00} XXXX {$340.00}
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

XX/XX/2020 a 30 day late payment was reported. We had contacted NJ XXXX XXXX that this was an error. We were told that it would be removed. We have contacted all 3 credit bureaus with no resolution and NJ XXXX XXXX is not answering their phones during the Covid 19 crisis. We have sent them a letter and email with no response. This reporting is now causing an additional hardship due to it lowering my credit score.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.