davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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. (OH)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX,, XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXX : {$980.00}, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00}, XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (GA)

I have been battling with this company for a while this address XXXX XXXX XXXX XXXX GA XXXX does not belong to me i have never heard of this address ever in my life i filed a ftc report also because i have not lived there. Please stop reporting inaccurate information
Consumer complaint received 2024-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

I opened the account XX/XX/XXXX. 
I withdrew the full balance of the account on XX/XX/XXXX. 
I called to close the account on XX/XX/XXXX and the customer service representative said the account was now closed. 
On XX/XX/XXXX I received a collections notice for {$43.00} because I supposedly had not closed the account and had been overdrawn by maintenance fees. 

On XX/XX/XXXX I called multiple customer service departments including collections and the branch that controlled my account. All said they couldn't reverse the collection even though it was fraudulent and made by a bank error.
Consumer complaint received 2024-05-31
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. (IL)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-09-27
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report. Thank you.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality 15 USC 1681. 
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 that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section ( a ) ( 5 ) States : No consumer reporting agency may make and consumer report containing and of the following items of information. Any other adverse items of information. Other than records of convictions of crimes which antedates the report by more than 7 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 in inaccurate.
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have previously disputed XXXX  XXXX Bankruptcy case # XXXX with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is below. 

" The Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. '' It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately!
Consumer complaint received 2024-07-23
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. (TX)

I've found that my credit report has erroneous information for the several time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$3700.00}
Consumer complaint received 2024-05-25
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. (CA)

I have recently found out that I am a victim of identity theft. Due to that there are fraudulent accounts and inquiries on my credit report. Someone has stolen my personal information and has used it as their own applying for a credit card and even a mortgage. I have already taken it upon myself to file a report with the federal trade commission and my local police station. Both the Police report and FTC Identity theft report are attached to this letter. I was advised by both creditors and also your fraud departments supervisor to file these documents and to send a copy. Please review my documents and process a block on these accounts, thank you!
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: LDF Holdings, LLC (CA)

In XX/XX/2024 got automated {$300.00} loan from lendumo. Advised XXXX payments of XXXX next week got email of XXXX interest. That is blatant loan sharking. Lendumo needs to be put out of business. First loan shark payment withdrawn today.
Consumer complaint received 2024-05-25
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. (MI)

I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.
Consumer complaint received 2024-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/XXXX an on Transunion it's XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. Account Name : XXXX Account NumberXXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

I want to file this please as my formal complaint to NAVY FCU for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2024, a complaint was made to remove all addresses that don't belong to me, including incorrect names. I have pulled my credit report to see if some have been removed, but some still remain. I am requesting that this be removed immediately with no delay.
Consumer complaint received 2024-05-25
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. (FL)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

An XXXX XXXX Account " XXXX '' in has been wrongfully added to my credit report affecting my credit score on both Equifax and XXXX credit reports. I am not the owner of this account, and this was added in my name illegally and is entirely inaccurate. This is defaming my name and impacting my right to credit as well as voilating the consumer protections act and fair XXXX credit reporting act since this is fraudulent reporting. The only way for this wrong to be corrected is for this entire account and all of its history to be removed from my credit profile immediately. I have never been personally liable for any XXXX XXXX credit card in my life. Please report this, rectify it completely, and stop this fraud from taking place.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

We opened a The Home Depot brand Citibank credit card in XX/XX/XXXX, which had a 24-month 0 % APR promotion. We bought some appliances and set up our autopay to pay the balance off in 24 months. 21 months later, XX/XX/XXXX, I checked the card to make sure it was going to be paid off soon and saw almost {$2000.00} interest accrued on a {$6000.00} purchase. Upon calling customer service, Citi confirmed there was an error that set promotional period to 6-month instead. Citi said a request was filed to correct the error and remove the interest fees. The adjustments will show up in 2 statement cycles. 

XX/XX/XXXX, I called back to confirm that the adjustments were still going through and Citi said there was an issue in the " back office '' and they needed to file a new request. After a few more weeks of back and forth, escalating to supervisors, they finally figured out what needed to be done BUT it is now passed a 24-month restriction to correct this issue. I continued to escalate the issue until I got to a supervisor 's supervisor, who spent almost an hour researching into the situation. He acknowledged that Citi made a mistake on the promotional period in XXXX and then the handling of the correction in XXXX. He filed a formal complain ( ID : XXXX ) against their own back office for mishandling our requests until it was no longer within the 24-month restriction period. However, at this point, the Customer Service " Ops '' team can no longer rectify this issue so he had to transfer me to an " Executive Response '' team, who has more authority. 

I filed a case ( ID : XXXX ) with the Executive Response team and was told an " officer of the bank '' was going to reach out in 2-5 business days. After almost 2 weeks, their response was basically " you should have caught our error earlier ''.
Consumer complaint received 2024-05-25
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. (IL)

I RECENTLY WAS DENIED FOR A MORTGAGE LOAN BECAUSE THEY SAID I HAD COLLECTIONS ON MY ACCOUNT WHEN IN FACT I HAVE NEVER OWED ANYBODY OR HAD ACCOUNTS WITH THE COMPANIES THAT I AM DISPUTING. THESE ACCOUNTS ARE SEVERELY INACCURATE AND I NEED THEM REMOVED IMMEDIATELY BECAUSE THIS IS UNFAIR AND GOES AGAINST THE FCRA. EVERYTHING ON MY CREDIT REPORT MUST BE 100 % ACCURATE BUT MY CREDIT REPORT AND CREDIT FILE IS NOT. THIS IS RUINING MY RELATIONSHIP WITH THE BANKING SYSTEM AND RUINING MY LIFE. I NEED THESE ACCOUNTS REMOVED AS SOON AS POSSIBLE OR ELSE I WILL BE FORCED TO SUE IN FEDERAL COURT. I. HAVE ALL OF MY IDENTIFICATION DOCUMENTS ON EACH OF MY LETTERS SO YOU KNOW THIS HAS NOT BEEN DONE IN ERROR
Consumer complaint received 2024-05-25
Product: Credit reporting 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)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received a copy of my Transunion consumer report, and I noticed some late payments posted on my consumer report XXXX XXXX XXXX XXXX XXXX Days Late Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Transunion is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give Transunion written instructions to furnish this on my report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Update the above late payments to paid as agreed NEVER LATE on my consumer report, this agency is in violates 15 USC 1681.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I'm writing to you regarding discrepancies I have found on my credit report. As you know this is not allowed. under my rights and also a clear indication that this information was not properly verified upon receiving it. Acct Name XXXX XXXX XXXX XXXX. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. The 15 USC 1692 g Validation of debts. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the high or past due balance nor do I recognize if any payments associated with everything being reported does not meet the FCRA
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery Associates. XXXX VA. Constantly send incorrect information to the 3 main credit Bureau '' s. Fail to report monthly payments and amounts. Disputed 3 times and deliberately report incorrect information in a attempt to lower credit scores and further damage my credit.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MO)

XXXX is inaccurately including information on my credit report falsely claiming that I have a Wells Fargo account that has late or missed payments and hurting my credit. 
This account was never late or past due. No payments were ever missed. My spouse was forced to file XXXX  XXXX bankruptcy. She actually chose XXXX even though she could qualify for XXXX so I would not be affected. I did not for, just her. Wells Fargo unilaterally charged off this account that was current and up to date. I am under an order of protection and no derogatory marks should be allowed on my credit, nor other attempts to collect, due to my wife 's independent filing. 
XXXX correctly marked the account as closed and nothing else. XXXX initially included the derogatory comments, but upon dispute correctly removed them and now the account just shows as closed. 
XXXX has refused to fix their error, and in fact made it MORE derogatory after initial dispute. Any mention of late or missed payments is a LIE and is defamatory. The account should not be presented with derogatory marks on my credit due to my spouse 's bankruptcy. XXXX needs to be forced to do the right thing, since they refuse to do it on their own.