davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (NY)

My name is XXXX XXXX I received a copy of my consumer report and Ive noticed fraudulent account/inquiries. FTC definition states that " Identity fraud is when someone uses your personal or financial information without your permission ''. with that being said I have no knowledge of this inquiry and XXXX shall delete it. I did not give XXXX written consent to furnish my consumer report pursuant to 15 USC 16816 ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' once you receive this FTC report pursuant to 15 USC 1681 c-2 you shall delete it in 4 business days if not you would be in direct violation with the FCRA, knowingly continuing to use my information without my authority is another violation pursuant to 18 USC 1028a which is aggravated identity theft.
Consumer complaint received 2023-08-25
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted 2 disputes, its been more than 30 days for both and I added that on a new dispute but they havent done anything. The 1st one was submitted on XX/XX/XXXX confirmation # XXXX has not been completed. The 2nd one was submitted on XX/XX/XXXX confirmation # XXXX has not been completed either.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Account Number : XXXX - Here is my issue, this is an except from an email I sent to someone at the bank : XXXX XXXX XXXX purchased my mortgage, like many other mortgages early this year ( XXXX ). I realized this a little late and called customer support to get caught up with my payment and get put on Auto Pay ( there is a call recording ). The guy who helped me get up to date stated that I was all good AND if I wanted to set up auto pay I could do it online and then briefly went over the rules about autopay. One of the things he apparently mentioned on the call was that I need to set up autopsy before halfway though the month to go through for the next month I thanked him for helping me with my cross over payments and jumped on the call. Several days later I went online and set up auto payment for the next month. In fact, when I set up auto payment I got a green indicator light telling me my auto payment was in fact set up for the next month. Fantastic I though, now I dont have to worry about manually going in and process the payment next month, everything was XXXX  So I thought Well about 17 days into the next month I get a notification from my credit reporting agency that my credit score has dropped XXXX points for not paying my mortgage. I thought, how could this be. I took the time to set autopay up online, I even called support to help. So I logged in and saw autopay was still on, green lit, but apparently my payment did not go through. I wondered why, since I have over XXXX in my bank account. I called support and immediately they told me I we passed the cut off date to set up online payment automatically. So I was wondering how the XXXX XXXXXXXX did the site give me a green light and let me set it up. Anyways, there is a call recording. Multiple calls and they refuse to remove this from my credit report. For something that is clearly an error on the part of the bank. My next step here is suing the bank. I hope the CFPB can help get this removed from my credit report.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: MIDFIRST BANK (TX)

I attempted to open an account online with Vio Bank and tried to fund it from my XXXX XXXX account . When I called XXXX, they had to verify additional information with Vio so we both got on the line with MidFirst Bank. The MidFirst Bank representative was incredibly rude to me and he put me and the XXXX rep over to Vio Bank. When the Vio Bank came on the line, I told her I was not going to proceed to open the account as the MidFirst Bank rep was snotty and rude. She said ok, she'd close the account. That should've been the end of it. 

To date, I'm receiving a slow drip of emails as an, " Online Banking Alert - Account Verification Required. '' I've replied to these emails XXXX  to stop send them to me and they continue to auto send. The reply I've gotten from the reps is to call in and verify my information so they can further assist. Today ( XXXX ) I called in and the rep was once again totally unhelpful. He told me I had to have logged into their online banking and I'd need to do so again to shut off alerts. I told him I never got that far with his bank and he needed to stop sending me these alerts. He then said he'd verify me through his system and try and help. He asked for a lot of information : Full name, SSN, DOB, date account was opened, funding source, funding amount, and a few other things. I provided what I knew - my full name, dob, SSN, funding account and told him, " I don't know '' for the other items. He said he couldn't verify me through and I'd need to hang up, research the things I didn't know and call them back. That is totally ridiculous. I was able to provide my most sensitive information and couldn't provide the date the account was opened or the amount from months ago on a never fully opened and funded account? This is bad practice and these emails are harassment at this point. I've received numerous emails from their automated system to fund an account that is closed and have no options to make it stop. 

The rep today told me to log into their online banking and shut off the alerts. I don't have any information to do so, but tried all user IDs I would normally use and tried the Forgot Username? link on their site. Since I've never logged in, the system is saying, " Verification Unsuccessful '', so there is nothing I can do with these harassing emails but to close an email address that I've had opened for XXXX years. They also emailed me my account number not using any security methods or practices. That's scary and totally bad practice. 

I will never do business with Vio Bank or MidFirst Bank ever. This has been a terrible experience and I've been senior management at banks across the country for XXXX years. I should not have to stop spam marketing alerts or funding account alerts from a bank I told to go away and was confirmed on the phone with me that the account was closed.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I spoke with XXXX with Agent ID at XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX today to go over my payment history. I asked from my first date of delinquency. I noticed that there are areas where there is no data. 

Here is what I gathered from XXXX to the end of the loan. I already requested this in writing and it should be emailed to me in XXXX to XXXX business days. 

XX/XX/XXXX {$440.00} reversed then I paid {$1100.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$560.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$200.00} XX/XX/XXXX XXXX XX/XX/XXXX {$380.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$370.00} ( XXXX extension requests ) XX/XX/XXXX {$130.00} XX/XX/XXXX {$100.00} ( XXXX extension requests ) XX/XX/XXXX {$180.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$410.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$450.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment ( extension request 2 months ) XX/XX/XXXX {$1100.00} XX/XX/XXXX ( requested XXXX extensions ) XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX skipped but payment made for XXXX XX/XX/XXXX {$1000.00}
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I spoke with XXXX with Agent ID aXXXX XXXX XXXX  on XX/XX/XXXX. I contacted XXXX XXXX today to go over my payment history. I asked from my first date of delinquency. I noticed that there are areas where there is no data. 

Here is what I gathered from XXXX to the end of the loan. I already requested this in writing and it should be emailed to me in XXXX to XXXX business days. 

XX/XX/XXXX {$440.00} reversed then I paid {$1100.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$560.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$200.00} XX/XX/XXXX XXXX XX/XX/XXXX {$380.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$370.00} ( XXXX extension requests ) XX/XX/XXXX {$130.00} XX/XX/XXXX {$100.00} ( XXXX extension requests ) XX/XX/XXXX {$180.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$410.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$450.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment ( extension request 2 months ) XX/XX/XXXX {$1100.00} XX/XX/XXXX ( requested XXXX extensions ) XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX skipped but payment made for XXXX XX/XX/XXXX {$1000.00}
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (PA)

EXPERIAN IS IN VIOLATION OF THE FCRA BY REPORTING INQUIRY ON MY CONSUMER REPORT WITHOUT MY CONSENT. I DO NOT CONSENT, AUTOHRIZE, NOR BENEFIT FROM THE REPORTED INQUIRIES IN MY CONSUMER REPORT. I DEMAND ALL INQUIRIES BE DELETED IMMEDIATELY. EXPERIAN BLATANTLY DISREGARDED MY LAST REQUEST TO DELETE THESE INQUIRIES. I WILL NOT LET UP UNTIL THESE INQURIES GET DELETED.
Consumer complaint received 2023-08-25
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-06
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/ I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$5800.00}
Consumer complaint received 2024-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-07-13
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. (MA)

{$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX 2021
Consumer complaint received 2023-09-15
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. (MS)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX violated my rights. 

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
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upgrade, Inc. (GA)

I am filing a formal complaint against UpgradeXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX for their debt collection practices, which I believe violate consumer protection laws. The specific details are as follows : Upgrade Debt Sold to XXXX XXXXXXXX XXXX  : Original Creditor : Upgrade Debt Purchaser : XXXX XXXX XXXX Upgrade sold my debt to XXXX XXXX XXXX, making it impossible for me to fulfill. I believe this action may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), as I am unable to pay the debt. 

I wish to bring to your attention the laws and provisions that support my complaint : Fair Debt Collection Practices Act ( FDCPA ) : Specifically, violations of the FDCPA such as harassment, false representation, and unfair practices. 

XXXX XXXX XXXX Contact : XXXX XXXX XXXX has contacted me via email regarding the debt. I believe this communication may be in violation of the FDCPA. 

Upgrades Other Debt Sold to XXXX XXXX XXXX : Original Creditor : Upgrade Debt Purchaser : XXXX XXXX XXXX XXXX XXXX XXXX contacted my mother regarding the debt, which I find unacceptable. This contact may violate privacy laws.
Consumer complaint received 2023-09-15
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. (NC)

I disputed a fruadulent account.I sent all the necessary information needed in order to have the account remove.All three credit bureaus ( XXXX, Experian, and XXXX ) remove this from my credit file.After a month later it was reinserted by XXXX and XXXXI wasn't notified about the reinsertion within the 5 business days which required and no information at all.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (AZ)

on or about XX/XX/XXXXXXXX XXXX XXXX XXXX an application was submitted online through American Express for the American Express Gold Card. For reasons outside of this matter a credit freeze was in place with the 3 consumer reporting companies. XXXX, XXXX and XXXX. During the application process XXXX, the applicant/consumer was " FORCED '' to allow American Express be given access of the reporting agency " XXXX '' doing business as XXXX. NO-WHERE on XXXX website does it state it is a consumer reporting corporation. In actuality under its Licenses and Disclosures link it gives actual statement of the companies true nature. Not Once! does it claim it is a consumer reporting company but actually states it is a XXXX XXXX XXXX. This is Fraudulent and Deceptive practices by both companies and I have certified mail receipts that American Express has received my dispute over this and other items related to the intentionally misrepresented credit application. In my letter I supply evidence of this numerous incorrect assumptions, presumptions and the true nature of the credit process. I demand that American Express correct this application of which is identified as application ID # XXXX. and for American Express to correct this unlawful decision to deny the issuance of my lawful right to credit under the acts, codes and federal regulations that protect and guarantee my lawful demand.
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (GA)

I am formally submitting this CFPB complaint and formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned accounts are incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Hence, I am seeking an immediate assistance from you to correct these following late open accounts : XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXX Balance Owed : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXX Balance Owed : {$370.00}.
Consumer complaint received 2023-08-01
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. (OH)

This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -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 2024-02-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (GA)

A collections showed up on my credit report for {$1600.00} from XXXX . Ive never had a XXXX account. Ive had the same cell service for 15 years and never change numbers. I called and they say they cant give me any information about the account because I dont have my pin. I let them know this was a fact fraudulent account, and I dont have a pin created, nor a way to access for one. They said to go to a store verify with my license and they could give me an account information. I did that all they could tell me was that there was an account opened up for two different phone lines in my name and no other account information unable to give me a date or location where in account was opened. I repeatedly told him this is not my account and ask for the fraud department, and they were unable to provide any info to me or the project apartment number or anything to me.