davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my credit report on XX/XX/XXXX from all 3 credit companies, TransUnion, XXXX, XXXX. and noticed there is collections and inquiries and accounts that DONT BELONG TO ME. they even had my personal information wrong. I am currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, accounts attributed to entities like XXXX and others do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Some accounts dont even show up with the full information on them. and some show on some companies and some don't. By law consumers reports must be 100 % accurate not 99 % or 99.9 % but 100 %. Some accounts show up as late that dont even belong to me and are impacting my credit score. I called the collection agencies and requested a CONTRACT with my OWN signature to prove I AM LIABLE FOR THIS DEBT WITH THEM and they didn't provide one and BY LAW I should get one that shows I am LIABLE for this debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-10
Product: Credit reporting 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. (MA)

On XX/XX/year> my credit was ran at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. XXXX XXXX XXXX. This resulted in a hard inquiry on my credit report. I have never been to this dealership and did not authorize anyone to run my credit.
Consumer complaint received 2024-07-12
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. (NJ)

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-12
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)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-14
Product: Credit reporting 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. (AR)

These do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

IM A VICTIM OF IDENTITY PURSAUNT TO THE FCRA ALL FRAUD MUST REMOVE FROM MY NAME AND CREDIT REPORTS ******PLEASE READ THE FTC REPORT THAT IS ATTACHED *****
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX : # XXXX XXXX XXXX XXXX, XXXX  XXXX : # XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc. (TX)

consumer law violation 15 U.S.Code 1681i ( a ) ( 1 ) - 30  days only to run an investigation before violation of this subsection.

Notice, it is a fact, affiant is aware, if, the consumer, disputes the completeness or accuracy of any item contained in the consumer report about me, a reasonable reinvestigation, must be conducted to determine if the information is indeed inaccurate, and record that status of dispute or delete the item within a 30  day period. I, the affiant, has proof of this dispute sent on XX/XX/23 and it has been 30 plus since the original date shown in EXHIBIT ( A ) This reinvestigation has taken longer than 30 days should have been deleted. This is a violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and the information associated with SELF FINANCIAL INC/ LEAD BANK Account # XXXX must be removed.

15 USC 1681i ( a ) ( 1 ) ( A ) consumer law violation 15 U.S.Code 1681 ( 5 ) ( A ) ( i )- If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted. ( Past 30 days ) Notice, it is a fact, affiant is aware, after 30  days the information can not be verified, or if the information is found to be inaccurate or incomplete, the information must be deleted, modified as complete and accurate. The information associated with SELF FINANCIAL INC/ LEAD BANK  Account # XXXX is still reported inaccurately as shown in my EXHIBIT ( A ) before the investigation and shown in my consumer report after the investigation. This information should have been deleted and I should have been notified of this deletion. This is a violation of 15 U.S. Code 1681 ( 5 ) ( A ) ( i ). I demand to know the persons who certified this information otherwise remove SELF FINANCIAL INC/ LEAD BANK  Account # XXXX. 
15 USC 1681 ( 5 ) ( A ) ( i ) consumer law violation 15 U.S.Code 1681 ( 6 ) ( A ) - failed demand to comply or failure to comply Notice, it is a fact, affiant is aware, in accordance with 15 U.S. Code 1681 ( 6 ) ( A ), I, the consumer and affiant in fact has the right to demand compliance within 5 days for the results of a reinvestigation via written notice. SELF FINANCIAL INC/ LEAD BANK has failed to comply in the past, and I, the affiant, are demanding SELF FINANCIAL INC/ LEAD BANK to comply with a response within 5 days of this notice with my written instructions. This is a violation of 15 U.S. Code 1681 i ( 6 ) ( A ) and SELF FINANCIAL INC/ LEAD BANK  Account # XXXX
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NH)

I had opened up a checking account in the month of XXXX since they had a promotion going on. This is what the promotion said : XXXX open a m & t XXXX XXXX or XXXX XXXX  account by XX/XX/XXXX - I did open a XXXX   account before XX/XX/XXXX XXXX access money smart by enrolling in m & t online and mobile banking and launching the money smart dashboard and accept the terms and conditions by XXXX - I did this as well 3. Maintain XXXX XXXX monthly balance for the months of XXXX and XXXX- I did this as well The promo code used was CD After doing all the 3 above, I had confirmed with the online rep and they said I was all set to receive the {$250.00} bonus as long as I maintain {$1000.00} for XXXX and XXXX which I did but i still haven't received my {$250.00} bonus. It's almost mid XXXX  and now when i called the bank they are telling me they dont know why I haven't got my bonus. 


This is the most ridiculous bank to deal with. I have also attached the flyer for reference which states all the steps and I followed them all
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (MN)

" " XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00} '' ''. 
" '' XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} '' '' " '' XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$190.00} '' '' I was contacted by a BMO banker from the XXXX XXXX  office who advised that BMO mistakenly debited my account on ( XXXX ) different transactions totaling {$5800.00}. She advised that BMO had bought another bank with duplicate account numbers. That is my BMO account number, and the other bank client with the same account number. The banking client with my account number never updated their new account number with the IRS, XXXX  XXXX, and XXXX XXXX XXXX ; thus, the money was taken from my account. BMO credited back ( XXXX ) of the debits totaling {$4800.00} on XX/XX/XXXX but has yet to credit the ( 3 ) remaining debits totaling {$970.00} as of XX/XX/XXXX. I again spoke to ( 2 ) BMO representatives from their resolution team today, but they had no information on the ( 3 ) remaining items below. To add context to locations, XXXX, XXXX, is ( XXXX ) miles from where I live. I have not been able to confirm whether or not the other bank client has updated their banking information with XXXX XXXX XXXX in their tax software, so now I have to change my bank account. Which BMO bank should have done from day one! 

BELOW ARE THE ( 3 ) TRANSACTION BMO HAS NOT YET CREDITED XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX SALE {$190.00} ( the tax preparer for the other bank client in XXXXXXXX XXXX XXXX XXXX XXXX 

" '' XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pay {$580.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

" '' XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXv pay {$200.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

I'm reaching out because there's an error on my credit report regarding my student loans. These loans are currently in the process of being forgiven by the government, but that isnt reflected in my report. 

Ive attached screenshots from XXXX and XXXX that show this. Despite the ongoing forgiveness process, the incorrect information is still on my report, which is affecting my credit score. 

Id really appreciate it if you could look into this and update my report to reflect the accurate status of my loans.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/year> I filed 3 claims to have my account credited for fraudulent charges. Only 1 of my 3 claims was reimbursed. It was stated I had given access to my account. However, I had already notified them that I was already having issues with my social and my accounts being compromised due to fraud. I have lost out on over {$3100.00}.