davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
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. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-03-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NRA Group, LLC (CA)

Over the past six months, I have received three telephone calls from National Recovery Agency, claiming I owe {$20.00} to XXXX, dating back to XX/XX/XXXX. Each time, I have requested a printed information as to the debt, which I would be happy to pay, if indeed I owe the {$20.00}. The NRA file # is XXXX. For one brief period, I did receive medication from XXXX XXXX, and during that time the company had my credit card on file. Subsequently, my insurer changed my prescription supplier to XXXX XXXX. As a result of the NRA calls, I contacted XXXX XXXX, which was quite helpful, and it went back through its records until XX/XX/XXXX, and could find no evidence that I owed the company anything. I do not know what to do. I am being harassed over a {$20.00} debt, which apparently I do not owe, and NRA will not ( as required by law ) provide me with a copy of the evidence of the debt. As an individual with a XXXX XXXX, for which XXXX XXXX briefly provided medication, this is not very good. I am not supposed to be getting stressed. Help!
Consumer complaint received 2024-04-15
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. (ID)

I am formally contesting any unverified or undocumented information in my credit report, in accordance with the FCRA and metro 2 reporting standard. Unsubstantiated claims and false allegations are unacceptable. Ensure accurate and lawful reporting. Provide physical evidence or remove erroneous claims. Mail documentation and updated credit report.
Consumer complaint received 2015-11-09
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (OH)

My issue is that there are several debit transactions to a XXXX binary options broker that turned out to be fraudulent. The merchant, that is, turned out to be fraudulent. It is illegal for this merchant to do business with United States citizens unless they are regulated and licensed with the CFTC. They are not regulated or licensed with the CFTC, but the merchant lied to me and said that they were. I only found out they were fraudulent when I tried to make a withdrawal of my funds and instead they locked me out of my account. The merchant stole my money! 

I originally filed a dispute for these transactions as unauthorized transactions because the merchant was n't authorized to do business in the United States. Therefore, I thought that 's how it needed to be filed. I should have disputed under a different category. Regardless, I do n't think there was too much investigating into my case. 

They also closed my account for filing a dispute!!!!!!!!!!!
Consumer complaint received 2024-04-15
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. (GA)

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number: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 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 2023-04-27
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. (CA)

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 2023-07-07
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TN)

On XX/XX/2024, I received a notifications from XXXX stating my student loan has been updated. Mohela is reporting an increase however my student loans has been deferred. Also the balance of my student loans went from XXXX to XXXX. Moheala is now reporting that I owe then XXXX XXXX XXXX. They are reporting this to XXXX, when I contacted XXXX, they did confirm Mohela is reporting this mistake. This is a huge mistake. Mohela refuse to fix it. This needs to be address asap. This is an reporting error and Mohela refuse to fix it. How do I owe the XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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. (AL)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-01-24
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. (AZ)

XXXX XXXX XXXX XXXX DAte Assigned - XX/XX/2023 Original Amount owed {$8800.00} I asked for a validation of debt letter with my signature showing I have a contract with the company. It has not been provided because i do not.
Consumer complaint received 2024-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have identified inaccuate information on my consumer report, I am attached a copy of my report, I have never signed a form ssa-89 granting permission for my consumer social to be ran by any company named in this report. Please remove these unauthorized inquiries rom my report asap
Consumer complaint received 2024-01-23
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. (FL)

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.

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 2024-04-15
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: Experian Information Solutions Inc. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (CA)

XX/XX/2023 I cashed my check using Ingo mobile check cashing I wanted my card ending in XXXX to be funded after 2 hours I received a email stating that they were unable to fund that card then I linked card ending XXXX & XXXX both were unable to fund after contacting ingo again and I was informed that I could use a XXXX or XXXX I preceded to link my XXXX and called back and spoke to XXXX she said that wasn't true and it had to be a debit she also said that I could use a family members card and she would stay on the phone with me while I link it so with permission from step XXXX XXXX XXXX I linked his card ending XXXX she had me hold for a few minutes then she came back and said it worked and it will be 1 to 2 hours but it never came I called again and was informed that it could take 48 hours so I checked this morning and still nothing we call my dads bank and they said nothing was ever attempted to be deposited. I received a email stating that transaction was approved and account ending in XXXX was funded I call them to let them know that was not my account and I did not give that #
Consumer complaint received 2024-05-05
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. (TX)

I have just recently learned that I am a victim of identity theft, I have taken al the steps to file police reports and etc reports and other actions to support my claim for these fraudulent accounts that have been opened in my name fraudulently, unfortunately the CFPB has failed me and my request in order to investigate these alleged allegations to support my claim for identity theft and these fraudulent accounts that have been opened in my name, I am respectfully asking for the CFPB to get involved in my claim and to help support my request and remove the fraudulent accounts that have been opened in my name without my consent, attached is supporting documents to support my claim.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXXXXXX XXXX hit me with a hard inquiry on XX/XX/year>. I never contacted or applied with that bank. It has to be a stolen identity or something.
Consumer complaint received 2024-06-27
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. (FL)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-04-15
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. (TN)

I have tried several times to try and get Experian to remove three fraudulent accounts ( the same companies that claim I do not have an account with them and/or refuse to show proof of account or they have the right person ) from my credit report and they have refused nor will they give me any information about their " investigation '' if there even was one. I have also filed more than one complaint with you all against all three and they all ignored it. 

These three are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. PC ). All three are renown for fraudulent and/or repeat billing of accounts in collections. XXXX XXXX swears up and down I do not have an account and promised to remove this account from my credit report and XXXX promised to investigate and to remove this from my report and they have done nothing including report back as promised. XXXX will not answer the phone and the one time they did they put me on hold for an hour then refused to give me requested info or provide proof of said account and authorization by me. XXXX & XXXX refused to repair or replace my phone or tablet but promised me bill credit plus removal of bill for devices and then turned around, recanted without notice, and sent me to collections. I will not pay a bill I do not owe for services I could not use for three months. 

Every time I file a dispute they refuse my request. This is every single time, not just the three I am currently fighting to get removed. The most recent dispute regarding these three accounts they will not even tell me what the report says. All I get is " dispute results not available online '' and it is like pulling teeth to get past the automatic operator to speak to a human being and when I do I get nothing but excuses and the same statement as on my dispute results. They will not put a freeze on my credit report nor will they explain or review their processes and results.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CO)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report. 
XXXX XXXX XXXXXXXX Balance {$470000.00} XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX Balance {$860.00} XXXX XXXXXXXX Balance {$510.00} XXXX XXXXXXXX Balance {$250.00} XXXX XXXXXXXX XXXX Balance {$470.00} XXXX XXXX Balance {$330.00} XXXX  XXXX XXXX Balance {$680.00} XXXX XXXX Balance {$150.00} XXXX XXXX Balance {$1000.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX Balance XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}
Consumer complaint received 2024-05-04
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. (NY)

Recently I was in the market for a mortgage loan and I discovered some accounts my credit report that are questionable that the agency didn't report accurately Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

FCRA 605B, in my understanding, mandates the elimination of any incorrect accounts from my credit report. Could you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-01-24
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. (FL)

Dear Sir/Madam, I am writing to dispute a debt erroneously attributed to me by XXXX XXXX XXXX XXXX XXXXXXXX XXXX with a reported balance of {$3300.00}, opened on XX/XX/2023. I have no recollection or record of any dealings or transactions with this company. 

This debt was brought to my attention through routine personal financial monitoring. I have not engaged in any agreements or services with XXXX XXXX XXXX XXXX XXXX, and I believe this is a case of mistaken identity or an administrative error. 

I request the Consumer Financial Protection Bureau to : 1. Provide a full verification of the claimed debt, including documentation showing any agreement or transaction under my name.

2. Conduct a thorough investigation into the records of XXXX XXXX XXXX XXXX XXXX related to this account. 
3. If this debt is confirmed as erroneous, ensure its removal from my credit report to avoid negative impact on my financial standing. 

I appreciate your attention to this urgent matter and look forward to a swift resolution and the clearing of my name from this unrecognized debt. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Per the company 's response : " Upon receiving your most recent correspondence we were able to confirm on XX/XX/year>, you upgraded your Blue Cash Everyday Card to the Blue Cash Preferred Card. On the same day we submitted a request for enrollment for the PCAC benefit. It is important to know, your renewal month is in XXXX, which means you missed the timeframe for the credit issuance for XX/XX/year>. '' When I upgraded to the blue cash preferred card on XX/XX/XXXX, I was told that I would receive the {$50.00} credit for that card year. It was the reason I chose to upgrade. I relied on the information provided by American Express and my decision was based on that reliance. It is fraud to promise a credit and then not provide it. If you do not wish to provide it, please return the fee that I paid to upgrade my card as I would not have done so if you had not promised me the PCAC benefit.