davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX is reporting a non-existing account to the credit reporting agencies. I do not owe this collection agency ; I have never signed a contract with this collection agency. The collection agency is trying to collect a debt that is over 7 years and 180 days. The collection agency is fraudulently trying to collect on a debt that does not exist or belong to me. The collection agency has not supplied the first delinquency date to prove the age of the debt, nor have they provided any of the requested validation of debt information.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is 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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had a secured card with XXXX XXXX XXXX  ( " the bank '' ) circa XXXX to about XXXX when my account was closed, in good standing, by the bank. I neither heard from the bank again electronically, by mail, phone, or otherwise nor ever received my security deposit after inquiring ; I did not follow-up, believing the bank would automatically return my deposit. That was the end of my relationship with the bank. 

TransUnion notified me in XX/XX/XXXX the bank reported a delinquent account for {$5.00} - I have no account with the bank and tried to remedy it through TransUnion believing it was a mistake. Since I don't have a credit card with the bank, was my account number recycled? How can I owe a bank that, per TransUnion 's investigation ( File Number XXXX ), have paid on time for years ( up to XX/XX/XXXX ) with no knowledge of its existence or statements showing what any charges are for? On XX/XX/XXXX, the bank reported another delinquency to TransUnion. 

My account was closed by the bank per other CRAs many years ago, so what's going on here? Did the bank reopen my account and just started assessing some sort of fees? How can my account be in good standing for 5 years and I don't have a credit card with the bank- which requires an annual fee. Where's my old security deposit? Was a new card issued in my name and activated by me? When? Where?
Consumer complaint received 2024-01-04
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'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2024-01-04
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (OR)

We were charged {$520.00} on XXXX XX/XX/23 by a scammer posing as XXXX XXXX customer service, we were told the charge was for the cost of our new tickets, but XXXX XXXX has confirmed there was no such charge on their end. Disputed this with discover and submitted supporting documentation but they sided with the scammer and notified us XX/XX/23. We were unable to contact the scammer as their old phone number is no longer valid, discover claims to have contacted the merchant, not sure how as they disappeared.
Consumer complaint received 2024-05-27
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Payfare International Inc. (CA)

Back in XXXX of 2024 I was scammed out of approximately {$250.00}. after I realized what had happened, I blocked my account thru the XXXX XXXX app. Then I tried to reset my password and have been unable to. I am unable to access my XXXX XXXX account and unable to use my XXXX XXXX card. I've tried working with XXXX directly and they've escalated the issue numerous times, but I haven't been able to resolve the issue.
Consumer complaint received 2024-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. The following are the details of the inaccurate information and the required corrections : 1. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

2. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

3. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

4. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

5. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

6. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ). Please remove it from my credit report.
Consumer complaint received 2024-01-04
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'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be incredibly valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2024-01-04
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. (NY)

I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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.

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 2023-03-24
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: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-24
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. (CA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SD)

I have made multiple disoutes and complaint there are things on my report that should not be on there, either not mine, is put on there without my consent, and the fact that charged off account has been paid and after closed charged off they attempt to still collect and never sent me XXXX like they are supposed to. None of the companies have. I have mentioned this before and yet they are still reporting to my credit report. There are collection accounts that I have dispute sent validation letters to months ago, and never recieved anything back yet they are still reportiing on my report those would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is just some of them, I have disputed and asked for validation from nelnet over a year ago, i have received nothing yet they are reporting open accounts. I believe it ws month ago i disputed the addresses, well, to sum everything up, none of the reports match. I would like to invoke my right to remedy for this and receive that {$1000.00} per violation. This is severely messing up my credit. Also with XXXX XXXX XXXX, i have been trying to talk with them, we have arbitration clause but apparently they can just ignore me after committing fraud and them close my loan account without saying anything to me. I have evidence of their and automaxx fraud, forgery, etc. But they can not legally do anything that they have done if they force me to stay out f court, because arbitration. THE WAY IT SEEMS is since they have the money that they can do what they want even though they never gave me a loan, I have asked several time for document s including the original promissary note they never produce it, wasn't asking them to send that to me just if went to court that it could be seen by a judge, i get ignore and they trying take truck. While committing the crimes they are. I am sick of when I file disput, it always comes back verified but how can it be verified if i don't know the company, never recieved any paperwork validation letters anything but they are verified. I feel that my right are extremely being violated and feel remedy and report being fixe s the route
Consumer complaint received 2024-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally dispute certain information on my credit report that I believe to be inaccurate. On XX/XX/XXXX, I contacted TransUnion to address discrepancies, but as of today, there has been no response. I am seeking your assistance in rectifying these issues in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$540.00} ) : This account does not belong to me, and I request its immediate removal from my credit report. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$460.00}, Account # : [ Your Account Number ] ) : I dispute the reported balance of {$460.00}, as I believe it to be inaccurately high. 
The account is closed and charged-off, and the Past Due amount is incorrectly presented. 
Please mark this account as disputed while I address the issue with the creditor. 
I request verification of the Date Opened, Date of Status, and First Reported. 

XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$390.00} ) This account is not mine, and I request its immediate removal from my credit report. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ) : I dispute the reported balance of {$260.00}, believing it to be inaccurately high. 
The account is closed, and the Past Due amount should not be reported. 
I intend to address this with the creditor and request that you mark this account as disputed during resolution.
Consumer complaint received 2024-01-04
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. (NY)

I'm a survivor of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2020-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NJ)

To whom this may concern, I originally opened an account with the terms that included an account bonus of $ XXXX an email confirmation is pasted below. After completion of both Recurring direct deposits of 2 or more that total {$2000.00} or more within 60 days of account opening and Enrolled in E-statements by XXXX within the timeframe no bonus was given. Multiple calls were actioned between XXXX of XXXX lead to multiple escalations as well as complaints that were never actioned- this was in addition to multiple dropped calls as well. The account will be closed on my end due to lack of transparency as well as lack of assistance from their end. 

XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Hi XXXX, Hope youre having a great day today, my name is XXXX and XXXX be your Account Setup Coordinator for this application! 

XXXX Thank you for choosing U.S. Bank, your application was approved and we have opened the following account in your name : U.S. Bank Gold Checking Account # ending in XXXX ( if you didn't catch the full account # from the application, I can provide it after verifying over the phone ) * We also received your completed signature card, so you may now begin using your account ( I've also attached some tips ) * Product Notes : Note regarding the promotion on your application : XXXX - XX/XX/XXXX / Earn {$300.00} for opening a Platinum Checking / Gold Checking / Easy Checking Recurring direct deposits of 2 or more that total {$2000.00} or more within 60 days of account opening Enrolled in E-statements by XXXX It's been my pleasure to assist. As your account coordinator I want to exceed your expectations, feel free to email or call with further questions over the next couple of weeks. We really care about your experience with U.S. Bank : There will be a quick survey you'll receive that's specific towards your experience with any of my calls and my emails ; my goal here striving for success is to receive all 9 's or 10 's If you have any other feedback about this onboarding process or feedback about U.S. Bank I'd love to hear about it via email. 

Have a fantastic day! 

Sincerely, Available XXXX EST M-F / *** I hope that you and yours stay safe during this pandemic, I want to make this process as effortless for you as possible / We are experiencing higher than normal volumes and will return your call or email as soon as possible / My manager info as a secondary means of communication in case Im out of office : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX Account Setup Coordinator | Virtual Deposit Operations XXXX option 3 use my direct extension XXXX | XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-12-17
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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)

I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Consumer complaint received 2024-01-04
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. (MD)

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 the attached documents and letter for the referenced issues from above.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. I have received several bank bills statement from BK OF AMER which was opened XX/XX/2007 with a balance of {$9200.00}.
Consumer complaint received 2024-01-04
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'm a survivor of fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be enormously valuable. We are hoping to purchase a house. Kindly assistance