davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington bank closed my account because in the past I've had issues with an account t there, which is fine and I understand that. I was told they were going to send me a check in the mail months ago or i could go into the bank and get it. Sometime around XXXX I believe. I've been waiting for the check. The money is still in the account though so I went to the bank today to just get the money pit and NOW they tell me I owe them XXXX XXXX on an old account and would not let me take any of the cash out that's in there. I have over XXXX in there and on an XXXX XXXX balance and they would not let me take out ANY of my money saying I have to wait for them to take out the XXXXXXXX XXXX and send me the rest of what's in there. I understand why they felt I was risk and needed to close the account but not giving me ANY of my money over XXXX XXXX is unfair.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Demand for Permanent Removal of Invalid Collection Accounts and Compensation for Violations I am writing to demand the permanent removal of three invalid collection accounts from my consumer report, as they violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Credit Reporting Practices Act ( FCRPA ), Uniform Commercial Code ( UCC ), and privacy laws. These accounts have been reported by : XXXX XXXX  ( {$1100.00} ) - reported since XX/XX/XXXXXXXX XXXX XXXX  ( 34 months ) XXXX XXXX XXXX XXXX ( {$8600.00} ) - reported since XX/XX/XXXXXXXX  ( 9 months ) XXXX XXXX XXXX XXXX ( {$6400.00} ) - reported since XX/XX/XXXXXXXX  ( 6 months ) Each of these accounts has had a 1099-C filed by the original creditor, indicating that the debt has been forgiven. Despite this, your company has allowed these collection agencies to furnish my non-public personal information and report invalid debts, causing harm to my reputation and credit score.

I invoke my rights under : FCRA 615 ( a ) ( 1 ) ( A ) : Furnishing false information FCRA 615 ( a ) ( 1 ) ( B ) : Failure to correct errors FCRA 623 ( a ) ( 1 ) : Failure to ensure accuracy UCC 3-419 : Unauthorized reporting Privacy laws : Unauthorized disclosure of non-public personal information
Consumer complaint received 2023-04-13
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NJ)

I recently started looking at my credit report and noticed this collection account, which I was not aware of. It's from SouthwestCredit on behalf of XXXX. This is NOT my account, and I DO NOT owe this debt. I have been with XXXX XXXX XXXX XXXX. 

I called SouthwestCredit to ask for more information regarding this debt, and I was met with passive-aggressive threats of legal action. The operator contradicted herself by saying that this account was already in litigation and offered a settlement amount in order for this to be resolved. I know this is false and misleading, as it is clear that if something were in litigation, they would not have spoken to me. 

I want to be clear that I initiated communication and requested correspondence and clarity regarding this debt. A week after I requested it, I received a bill from Southwest on their letterhead and it doesn't provide proof that this belongs to me. Attached is the bill I received from this collection agency. I am 100 % positive this debt/account is not mine.
Consumer complaint received 2023-03-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-03-29
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. (GA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Yesterday XX/XX/XXXX, I have made an internal complaint on claim # XXXX, that it had been issued 5 times of denial letter, which timeframe is out order. XX/XX/XXXX 's letter is denial letter w/o notice of ten day to submit additional information and so now it is kept asking for additional information in order to issue permanent credit. It is similar to these two claim number at below : XXXX which favored me within couple denied. 
XXXX which favored me within couple denied.
Consumer complaint received 2023-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (MO)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-04-13
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00}.
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-29
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. (FL)

I am a victim of identity theft and there are inquiries on my account that I did not authorize. Also, when I purchased an automobile, the dealership ran credit with multi lenders that I did not give permission for nor have I authorized nor attempted to obtain credit from multiple banks, credit card companies, attorneys, cash applications, etc. 
Please note the following inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (PA)

My consumer report is filled with numerous errors, these account needs to be removed due to FAIR Credit reporting acting. 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts
Consumer complaint received 2023-04-19
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. (CA)

This vehicle doesn't belong to me. I see on my report that this was paid off. I have contacted this company to let them know the owner of the vehicle has file for XXXX and has made arrangements. I requesting for this to be removed from my report. I am a single parent trying to raise my kids, this is affecting my way of life. Please help me!
Consumer complaint received 2023-04-13
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. (MS)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Balance : {$0.00}. 
XXXX XXXX XXXX : {$0.00}. 
XXXX XXXX XXXX XXXX : {$580.00}. 
XXXX XXXX XXXX : {$34000.00}. 
XXXX XXXX XXXX : {$1400.00}. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX  XXXX Balance : {$2900.00}. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX  XX/XX/XXXX
Consumer complaint received 2023-03-29
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. (GA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-04-13
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. (MS)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Balance : {$0.00}. 
XXXX XXXX XXXX : {$0.00}. 
XXXX XXXX XXXX XXXX : {$580.00}. 
XXXX XXXX XXXX : {$34000.00}. 
XXXX XXXX XXXX : {$1400.00}. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX  XXXX Balance : {$2900.00}. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX
Consumer complaint received 2023-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (MO)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NM)

On approximately XX/XX/XXXX, I went into a store to make a purchase of approximately {$60.00}, and the purchase was declined although I had sufficient credit on my card, and the card was a no limit credit card. Today, XX/XX/XXXX, I get an email about a separate account that Ive had for the last 6 plus years Ive always paid my bill on time and have even paid the balance in full. Even with this AMEX decreased my credit limit and has sent me an email saying that my credit limit will once again be decreased unless I make a {$1200.00} payment. This is totally an unfair practice due to me having a perfect payment record with AMEX on all my accounts by making payments early and always on time for the last 6 plus years. Even through the pandemic Ive never missed a payment and AMEX is now threatening to reduce my credit limit once again, after doing this approximately 2 years ago and decreasing the limit on my gold card no limit account, thereby causing me embarrassment when attempting to make a {$60.00} purchase, by declining that purchase, although there was sufficient credit to make the purchase. They have reduced my no limit Gold card to approximately {$4500.00} and are threatening to do the same to my blue cash everyday card that I have paid faithfully for the last 6 years. I am a retired XXXX United States XXXX veteran who has honorably served my country and do not deserve AMEXs discriminatory and harassing treatment!
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-11-10
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: Experian Information Solutions Inc. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, I am writing to formally dispute the inaccurate information reported by XXXX XXXX  regarding account number XXXX ( XXXX and Experian ) and XXXX ( XXXX ) as detailed in my credit reports. I believe that this account contains erroneous information that violates the Fair Credit Reporting Act ( FCRA ), and I am requesting the removal of this account from my credit reports. 

Inaccuracies and Violations : Inconsistent Reporting of High Credit : XXXX : {$6900.00} Experian : {$0.00} XXXX : {$6200.00} Violation : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting a high credit of {$0.00} when there is a known balance is misleading and inaccurate. 
Misleading Payment Status : All bureaus report the payment status as " Collection/Chargeoff, '' which does not accurately reflect my payment history and efforts to resolve this account. 
Violation : Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers of information must provide accurate information regarding accounts. 
Discrepancies in Account Status : The " Date Last Active '' varies significantly across reports : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This inconsistency violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681g ( a ) ( 1 ), which require accurate and complete information in consumer credit reports. 
Inaccurate Last Reported Dates : The last reported dates are inconsistent : XXXX & Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This discrepancy violates 15 U.S.C. 1681e ( b ).

Negative Comments Misrepresentation : Comments indicate a charge-off and profit and loss write-off that mislead potential creditors regarding the account 's status.

Violation : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers must not provide information known to be inaccurate or misleading.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I had an issue with fifth third bank. I am currently trying to get a home equity alone and because theyre trying to claim that I was behind on my mortgage for two months filing it late. My credit has been knocked down, but its been over a year and it was paid. They had my money sitting in on applied at the bank and I had to call to three different times to have this corrected and received an apology letter and they sent me money back several times And they are not fixing my credit report. I spoke with claims they were correct when they are not there was money that they said they sent me. They never sent me so they had to apply all of that money to my mortgage and then told me never to send more money than my mortgage actually is, because it will get misplaced