davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX Closed Date XX/XX/XXXX This inquiry was removed from my credit report and put back on my credit report without my knowledge It reports that it will be on my credit report until XX/XX/XXXX That would be 8 years XXXX XXXX This was disputed and I was relieved of the debt by XXXX XXXX who illegally increased the debt to illegally continue to report the debt that was obtained by identity theft XXXX XXXX XXXXXXXX Unauthorized I do not know of this account No one contacted me to verify this debt Not my mail phone nor electronic communication Im unaware of the nature concerning this debt XXXX XXXX XXXX XXXXXXXX Was paid as agreed and closed XXXX XXXX XXXX Was paid and closed There are addresses and phone numbers That Ive also requested an deletion for The only address that should be listed Is XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Transunion is reporting closed accounts XXXX open These accounts have been closed written or charged off Im have been disputing these various inquiries as I do not owe these debts that have been sold off to collectors no one has contacted me validating any debt because the address associated with the debts are not my addresses I have sent in dispute letters but they were not certified because I received fixed income under {$500.00} a month I cant afford the expenses of sending certified mail So after months of my letters going unanswered I then began to dispute with them online
Consumer complaint received 2015-07-31
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: GMA Investments, LLC (GA)

I received a call from Summit Receivables regarding a debt with XXXX XXXX. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from XXXX XXXX.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. 

Credit Limit $ XXXXBalance {$760.00}
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX  Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, my wife, a 12 year chase customer, gave me, a 4 year chase customer, a check for {$7000.00} towards down payment on a purchase. I deposited the check via the mobile app. I later found out Chase flagged this check down as fraud, but did not notify either me or my wife. The check showed to clear in my account via the app, and my account showed XXXX $ total. 

On XX/XX/2023, I went to the chase atm to withdraw {$300.00} but was denied as it said my account was locked. I went into a branch and the manager told me my account is on hold as chase had flagged the check from my wife as fraud. I explained that it was a check from My wife and asked what we can do. After an hour and half of phone calls between the manager, chases fraud department, and me. The manager told me my wife has to call in and thats the only way to do it. 

I told my wife this, who tried several Times to call the fraud department and clear the check, only to be told that she can not and that the fraud department has to call her instead. We called together to find out what to do next, we were told that the only way to clear up this alleged fraud is to have the fraud department call the check issuer ( my wife ) and have her authenticate it, but they can not call her because her phone number can not be verified by their verification service ( XXXX ). Despite my wifes phone number to be a XXXX  account in her name that she has had for over 20 years. 
Furthermore, the rep told us that if this doesnt get resolved within the next 10 days, they will close my account, send me a check for the balance, but the {$7000.00} from the check in question will be sent to the treasure department as fraud! 

We ended up going to a local branch. Several hours later the manager scanned both mine and my wifes drivers licenses and debit cards and sent them to the fraud department as proof that we are both there and saying this check is legit. Then Told us they have to send this to a back office which has to clear the hold, and it will take 45 minutes. 

We went back home, and I returned to the branch an hour later. My account was still on hold. I went back to the manager XXXX XXXX, the only helpful person at chase ), who told me that despite him sending them our drivers licenses and debit card as proof, the check was still denied as fraud and they still cant verify her phone number to call her. 

I never felt so hopeless in my life, I honestly thought the money was gone. I told XXXX the manager I was not leaving until something was resolved and we spent the next 2 hours making 25 phone calls to regional managers, directors, eventually they cleared the check, I immediately withdrew all my money and went to XXXX. I ended up spending a from XXXX until XXXX XXXX  dealing with this and feeling completely powerless to do anything about it. The most horrible banking experience of my Life.
Consumer complaint received 2023-05-19
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. (NJ)

please be advised that experian, and XXXX and equifax has the following collection account : ( XXXX ) absolute resolutions i is reporting this unknown collection account on my credit report- balance of XXXX i never had any account with this company and requested the credit reporting agencies to delete the account from my credit reporting file. it should be noted that this inaccurate reporting has affected me greatly. please delete account immediately. 
( XXXX ) XXXX XXXX XXXX also incorrect data being reported by the same credit reporting agencies. they has not reported XXXX  account history as 100 % accurate, please delete account from my credit file because it has stopped me from getting credit from a potential creditor.
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Admin Recovery, LLC (PA)

XXXX XXXX XXXXXXXX contacted my husband about my deck collection. My name is XXXX XXXX. They told my husband the amount of the debt and what I owe with interest and try to make a deal with him to pay a lesser amount. This is not my husbands debt. It was my credit card. they went against the law to talk to my husband about it
Consumer complaint received 2023-05-25
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. (CA)

I have filed an police report and ftc report on this account which I did not open or authorize. The company is XXXX XXXX. XXXX. I also : state with Experian that my rights have and are being violated under the law 15 US Code 1681a ( 2 ) ( A ) subject to section 1681-3 of title, any ( I ) report containing My information was stolen and I am still being victimized. 
Thank You XXXX XXXX
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX keep saying they verified my report and saying it accurate which is a lie my credit specialist even point out the inaccuracies on my report and told me it has to come off my report. Since its keep being verified can I have the original purchase agreement to show u are the legal owner of this debt please include all terms and conditions thats included in purchase agreement thanks
Consumer complaint received 2023-05-25
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)

In accordance with the Fair Credit Reporting act XXXX account has violated my rights. 
15 U.S.C 1618 section 602 A. States I have the rights to privacy.

15 U.S.C 1618 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 1666B : A creditor XXXX not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

credit agencies are listing a negative account balance that does not belong to me and is fraud on my credit files I have requested the removal of this account and they have not done so or notified me of the results within thirty days they have not investigated this matter and this has caused a great deal of hardship and has had a major negative impact on my life
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (VA)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Dear CFPB : I am writing to you concerning a major problem Ive had with the bank I use, Truist. Originally the bank was Suntrust, which last year merged with BB & T and became Truist.

In Suntrust I had personal checking, savings, business and money market accounts, a CD + two credit cards. The bank was easy to work with. Once it became Truist its been impossible. 

On XX/XX/XXXX I had emergency XXXX, was in the hospital for 10 days, had XXXX  XXXX XXXX   throughout the summer, two more times in the hospital, another XXXX in XXXX and recovery through all of fall. 

One credit card was due on the first of the month and the other on the seventh. Being in the hospital in XXXX I knew I was late on the payments and after I got out I called XXXX to pay the bills and explain why they were late. The man I spoke to suggested joining a program they had to pay your cards and it lowered the interest down to 3 % called the Work Out Plan. It wasnt explained well and said he would send the information and kept asking me to join it. Not feeling well or understanding this plan, I agreed to join since the interest was so low. 

I opened the XXXX website to look up the Work Out Plan and there was nothing about it. The plan set me up with paying {$83.00} per card each month. I was skeptical. Who was I paying {$83.00} per card to? 

I received a letter from XXXX dated XX/XX/XXXX telling me they closed a credit card with the last 4 digits of XXXX I didnt recognize. In calling the number on the letter many times someone finally found that the number was from XXXX. 

I received another letter from Truist about their closing another credit card with the last four digits of XXXX I didnt recognize and that one was also an old card from XXXX. 

Although this lowered the interest rate it lowered my credit score from XXXX to XXXX in XXXX XXXX and in the upper XXXX in XXXX. I contacted Truist by phone + went to one of the branches many times the get out of this, but I kept being told that once you sign up for this you can not get out of it. 

I filed complaints to XXXX, XXXX, XXXX XXXX and the Attorney General of the Commonwealth of Virginia who told me to contact CFPD.
Consumer complaint received 2023-05-25
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. (IL)

Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-25
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a list of inquiries : 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 an 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 2023-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Cosigned for a car for an X over eight years ago, it was never on my credit and all of a sudden its showing up on XXXX with the date XXXX XXXX I cosigned for this vehicle over eight years ago and he left with the vehicle. I never drove it. He was paying everything on it. I have no idea what happened to the vehicle. It was never on my credit with XXXX and now its showing up on there and I dont know why, they told me that I needed to get an FTC thats what Im trying to do so I can send the information to them because this is not my account and I dont understand why its on my credit all of a sudden two years ago when it hasnt been on my credit for almost over 10 years
Consumer complaint received 2015-08-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (MD)

My name is XXXX XXXX and I attended XXXX XXXX for undergrad for which I needed the loan. I have been trying to get my loan back current however I cant make the payments the lender is requiring. I have contacted them several time to see what other options they could offer me but they have stated that there is nothing else they are able to do and that I have to make the monthly payments.
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (NV)

Detailed below is the response I received regarding a dispute I filed on XXXX XXXX XXXX 
I attached an identity theft report, my id and a statement, with that dispute. 

This letter excludes XXXX XXXX. XXXX XXXX has handled my issue like a pro. XXXX XXXX has been an outstanding help. Thank you. 

I would like to advise the credit reporting agencies ( XXXX- spoke XXXX XXXX XXXX ( claims did not receive my documents despite the fact that I submitted it through the CFRA portal. Already in violation of U.S.CODE 1681C-2.. and Equifax ) that they are violating federal law. 
15 u.s. code 1681c-2 - block of information resulting from identity theft.

a. block states that, a consumer reporting agency shall block the reporting of any information in the file of a consumer, no later than 4 business days after the date of receipt by such agency.

It has now been 14 days since submitting my dispute through the CFPB.

Please be advised that if these accounts are not deleted promptly, I will be filing- Notice of Default opportunity to cure within the next 7 days.Thereafter, will be filing 1681N and or 1681O Civil liability for non compliance.

I have no relation or transaction with these companies therefore must be deleted promptly.

Below is the response I received and it is unacceptable. 

XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 Closed Company responded XXXX XXXX XXXX XXXX reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX  Closed Company responded XXXX XXXX XXXX XXXX reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX 

XX/XX/ Regards, XXXX XXXX
Consumer complaint received 2023-05-19
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. (NV)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681 . I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.