davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
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. (WI)

I contacted XXXX XXXX XXXX back in XX/XX/XXXX. They are saying that at the time I owed a bill to XXXXXXXX XXXX XXXX for {$4000.00} dated XXXX XXXX said they didnt have this bill. XXXX they are reporting a total of 14 bills on my TransUnion and XXXX now I am sure there are more credit reporting agencies that they are putting these fake bills on. All of these bills are fake. They put doubled the fake dates and the amounts. All of these bills are not legalXXXX XXXX XXXX XXXX  is putting these bills on my credit report when not one of these bills is legitimate. I have tried 3 times in the last 3 months to get these bills off of my TransUnion and XXXX. I keep getting letters from XXXX saying the one bill was legit. These bills are not part of any lawsuit. These bills are past the statute of limitations of Wisconsin which is 6 years. Most of these bills are dated from XXXX and 1 bill from XXXX. If this company is doing this to me. How many other victims are out there that they are doing this to? They are trying to collect money that doesnt exist to anyone. They are trying to steal money from the American people. The sad thing about this if the Wisconsin department of financial institutions would had done there job they would have had there license taken from them and would not be doing this to me.
Consumer complaint received 2018-09-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I was a victim of identifying theft, but also blatantly dismissed of just simply trying to solve this matter. This account is a line of credit and credit card that was credited under my name through Citi Bank. The account number is XXXX with Citi bank. I Originally in XX/XX/XXXX, when I first found out about this account, was when Citi Bank started to get Levy my account, I called Citi Bank and spoke to XXXX XXXX, a spokes person. She told me that I would not be Levy anymore since they could not find him in the system when he provided his social security number. The only information I got was that the loan started from XX/XX/XXXX, and the payment stopped in XX/XX/XXXX, then the lawsuit started XX/XX/XXXX. 

After this conversation, They still continued to Levy my account. I went to 3 different branches total to see who opened this account, and find proof that I was not the one who opened this line of credit and credit card. 

On XX/XX/XXXX, I went to the branch on XXXX XXXX in XXXX XXXX and then XXXX XXXX in XXXX XXXX, since no one at the XXXX  location could help me. One of the employee at the XXXX XXXX location told me that there was no ID in the system to show who was the one who signed for this loan. So, they directed me to go to the XXXX XXXX location, since that was the location the loan originally was created. 

On XX/XX/XXXX, I went to the branch location on XXXX XXXX. I spoke with XXXX XXXX, and she said there was no record and would investigate further with a case number ; XXXX. Other then this brief conversation, she was no further help. She promised to call me back, but never did. 

While I waited for this investigation from citi bank to come to some conclusion, there was a judgement on this account, and my personal bank account was being levyed close to {$4000.00}. 

The case number on this judgement is XXXX. 

No one from any branches, and the company itself, when I called, can not show me any proof of who opened this account. Either they would transfer me to another department or location, and not give me this simple request of proof. 

Also, this account is NOT in my credit report! Additionally, I was never served any paperwork. 

Please listen to all recordings and follow up on my cases since I was not only properly served this judgement, but I was also a victim of identity theft. They do not have my social security in file, nor show me any proof of me optaining this loan! I do not speak the language very well, and I personally feel they are taking advantage of me.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

I received an e-mail on XX/XX/2024 stating that on XX/XX/2024 someone tried opening credit under my personal Chase Bank checking account. I called Chase Bank on XX/XX/2024 stating that whomever tried opening the credit was not myself. In the e-mail it stated that this attempt failed because I have my credit on freeze. The Chase Bank employee stated it will be considered as fraud attempt and it will not count against me.
Consumer complaint received 2024-01-18
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)

XXXX XXXX XXXX is a collection agency that i dont recognize as mine. This account was open on XXXX and they cant validate this debt as mine ... .they must to sent me proof as mine ....
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

Opened a Bank of America card with and old address of mine XXXX fraud Opened in XXXX? 
Alerted me XX/XX/XXXX and said I didnt have that card. 
Called me again today XX/XX/XXXX and told me more information. 
They said theyd send me a Fraud statement to Mail and return Claim number : XXXX Spoke to XXXX
Consumer complaint received 2024-04-13
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. (FL)

XXXX XXXX I was reviewing my report and noticed that I have fraudulent accounts reporting to my credit report. XXXX XXXX is tremendously hurting my credit report and needs to be deleted. 

This is a violation of my consumer rights Under 15 U.S. Code 1692e - False or misleading representations please delete immediately
Consumer complaint received 2024-08-02
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc (NE)

This debt was the result of my ex roommate stealing my identity. This was explained to them in the past but they continue to contact me. I request that it stops immediately and the debt is cancelled. I am a victim of identity theft.
Consumer complaint received 2023-03-05
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: HYUNDAI CAPITAL AMERICA (PA)

Account info Account name HYUNDAI CAPITAL AMERICA Account number XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights under 15 USC 6802 - Obligations with respect to disclosures of personal information, and 15 USC 1681-protected consumer rights to privacy and confidentiality SELF/LEAD BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights under 15 USC 6802 - Obligations with respect to disclosures of personal information, and 15 USC 1681-protected consumer rights to privacy and confidentiality I closed the account below and was told it would be removed from my Credit report by someone in Customer Service , I contacted the Company ( Self/Leads Bank ) by mail and with no response also by phone with only being able to be connected to Customer Service Reps who don't speak proper English and seem not to understand my rights have been violated. 

SELF/LEAD BANK XXXX LEAD BANK XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S.C 1681 section 602 ( A ). ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 6802 States ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) The consumer is given an explanation of how they can exercise that nondisclosure option.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  reported late payments on my account for the month XXXX XXXX XXXX I paid off the loan before the loan term ending in XX/XX/ and would like this account removed immediately from my report. It is hindering me from obtaining new lines of credit.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

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 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are a few Inquiries showing on my Transunion Credit Report which is totally not mine and I never applied with these Companies for anything. by law, the credit beaurau has to have specific verification in order to report this. I have sent XXXX letters requesting to send me the documents of how they validated these inquiries and it has been quite sometime and they refuse to remove the inquiries and also never sent me the docs supporting that they are legally reporting this. 

The wrong inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never ever applied with this Companies for anything and I request that Transunion please either send me the supporting docs to validate this and or remove them from my report immediately
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (VA)

I have placed fraud alerts on all of my accounts and have also frozen all of my accounts with the credit bureaus after someone tried to open bank accounts using my information and after ordering my credit reports this year, I noticed a ton of inquiries pertaining to auto financing. I attempted to dispute these inquiries with 2 of the bureaus so far both online and over the phone and only one has removed these fraudulent and unauthorized inquiries from my account. Equifax refuses to remove them stating that they are verified which is not true. I have not applied or attempted to apply for an auto loan as I have had an auto loan through another company since XXXX of 2021.
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Account : XXXX I have called numerous times and either my account information was not updated properly or I get hung up on after sitting on hold for hours waiting for an escalation to the supervisor. 

This entire process is a nightmare.
Consumer complaint received 2024-04-12
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. (NY)

I had 2 -3 disputes over the months with XXXX Experian and XXXX for inaccurate accounts and yet nothing was done it was updated and verified with the same inaccurate info. nothing was being done and yes I had reported this issue to the CFPB and nothing was done. now I have sent letters to all the creditors on XXXX I will upload my proof
Consumer complaint received 2023-07-06
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)

Attached you will find a credit report showing the XXXX XXXX account is closed and all payments are on time and this account was opened XX/XX/XXXX over XXXX  years and XXXX months and XXXX, XXXX and Transunion are still showing this on my credit report. Please see attachment. And showing like I still making payments on this account for XXXX, XXXX, XXXX and XXXX when this account has been closed. No payments are being made so why is this still showing and the account is closed and over XXXX years old.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

see XXXX  and experian in court in ohio. tired of XXXX XXXX with my credit score. XXXX just made homeless playing with credit score for no reason. how in the XXXX you go from XXXX credit score to a lousy XXXX credit score and you have done nothing like be stupid enough to go get my XXXX back in deb after bankruptcy. WHAT XXXX PERSON DOES THAT? 
EXPERIAN AND XXXX BOTH can explain this to a XXXX XXXXXXXX XXXX courts judge. 

I am going to fight like XXXX to get this mess they have caused me corrected. 

XXXX has their INFO right. I am coming for these two credit bureaus and yes I am going to file DISCRIMINATION YOU BETTER BELIEVE IT. 
I am also going to be adding the consumer protection to my law suits for allowing these 2 credit bureau to not follow US federal unfair credit act.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (UT)

I opened a dispute on XX/XX/year> with claim number XXXX for an item I returned but did not get the refund. I provided a tracking number to chase but my claim was originally denied. I was told I needed to provide more proof. I then uploaded a screen shot of the tracking page showing delivered and the tracking label they company provided me. All proof indicates item was delivered and they still denied my claim.
Consumer complaint received 2024-01-18
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. (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 XXXX Account Name : XXXX  Account 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 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MO)

My loans were forgiven XX/XX/year>. After a month I disputed with the credit bureau XXXX. Nelnet says I still have a balance, they verified debt. I then showed proof to XXXX and Nelnet still verified the debt as correct. They will not remove the debt. I gave up until I heard of you CFPB.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (VA)

I am writing to report a serious heartbreaking issue with Charles Schwab Bank. They are holding my money hostage, and because of this, my XXXX XXXX and I are on the brink of starvation. Every day, I watch my kids go hungry because I can not access the funds that rightfully belong to me. Despite my desperate pleas and multiple attempts to resolve this with the bank, they have shown no compassion or urgency in releasing my money. The situation is unbearable and is causing immense emotional and physical suffering for my family. Please, I beg you to help us in this dire time of need.
Consumer complaint received 2024-05-03
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)

Despite my persistent attempts, I have yet to see any resolution regarding these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the seriousness of this matter to me. If you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I strongly urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will leave me with no option but to demand the immediate removal of these items from my report.
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XX/XX/XXXXXX/XX/XXXXand I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-18
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)

I recently check ed my credit report. I have inquiries and other accounts on my credit report that does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I was sent this from Experian. Now someone tell me how can they report scores on my credit if they don't know who I am. Now try to contact them through their response. 
Member ID # XXXX XXXX XXXX XXXX, We were unable to honor your recent request because you did not provide sufficient or legible identification information for us to verify your identity. 

Please send proof of your Social Security number, such as a copy of your Social Security card or a document from the Social Security Administration that displays your name along with your Social Security number. In addition, we will need all of the following information : One copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and One copy of a current utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name including middle initial ( and generation - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. 

List any information that you would like to dispute, and tell us specifically why you believe the information is not accurate. 

To protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here! 

PLEASE DO NOT REPLY TO THIS MESSAGE This notice is systemically generated, and we can not receive responses. 

Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc. Other product and company names mentioned herein are the property of their respective owners. 

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