davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-06
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. (NV)

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company  XXXX  times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with   XXXX   I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and TransUnion because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Consumer complaint received 2017-05-06
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: Bread Financial Holdings, Inc. (NV)

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by   XXXX   and  XXXX  because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2023 at XXXX XXXX, I contacted Navy Federal Credit Union 's customer service regarding a concern I had with the check deposit processing time. I had deposited a check over a XXXX dollars in the on-site ATM at the Navy Federal Credit Union 's local branch in XXXX, GA on Saturday, XX/XX/XXXX. After waiting on hold for an agent to answer my call, I was able to speak to an agent. She elaborated on the check deposit processing time of 7 business days, and our conversation ended on a professional note.

However, after I ended the call, my checking account was flagged by the Navy Federal Credit Union security department at XXXXXXXX XXXX on XX/XX/XXXX. I was unable to log in with my correct credentials and was left confused about the situation. 

The next day, on XX/XX/XXXX, I called Navy customer service and was informed that I needed to speak to the security department. But the agent told me the wait time was two hours or more. She suggested that I go to the Navy Federal Credit Union local branch. When I went to the branch, I was told that they could not assist me with unlocking my account. The manager on duty could not provide an explanation about my locked account with their security department. She suggested that I call the security department after XXXX XXXX. However, when I called again after XXXX XXXX, I found out that the security department 's hours of operation were from XXXX XXXX  to XXXX XXXX. 

I am an XXXX  and I deposited a significant check amount at Navy Federal Credit Union XXXX However, my transaction was flagged as suspicious activity. I am confused about why Americans can't deposit a significant amount of checks into their account without being flagged as suspicious. Can you help me understand why this happened and why my checking account is still locked?
Consumer complaint received 2023-07-16
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. (TN)

I have no idea what kind of credit card XXXXXXXX XXXX XXXX issues. My identity has been stolen, I lost my wallet a few years ago & made a police report due to my debit card being used and cell phones being applied for under my social security number. I also had not been contacted about this debt nor had any knowledge until I pulled my credit report. Apparently, the debt was sold to a third-party company that purchased charged-off accounts in bulk for pennies on a dollar in hopes of collecting a debt. I have not been contacted before being charged off nor sold to this company. I will speak with an attorney if this debt isn't removed.
Consumer complaint received 2023-11-23
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: RAM America, Inc (FL)

RAM Payment , LLC, also doing business as XXXX ; Account XXXX XXXX, XXXX, formerly known as XXXX XXXX XXXX ; XXXX XXXX ; i was taking advantage from this company and need to now how to join the lawsuit
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX ++ This is the CORRECT name, address, SS #, phone #. 
++ Anything other than above is incorrect and should be deleted and updated immediately.
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Equifax. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and   XXXX    because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Consumer complaint received 2023-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I don't know how to go about fixing this problem, I currently am not able to speak due to my XXXX  XXXX XXXX. I would like to set up a plan to pay this debt off. Thank you
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (CT)

I have been unable to sign up or use XXXX with TD Bank, their XXXX support sent a report to XXXX whom refused to lift restriction, in which case, a separate complaint filed against XXXX in XXXX ... XXXX replied by stating the number used to sign up for XXXX, XXXX XXXX XXXX, shows no such restriction, advised to sign up again, in which case, same error message, " we've restricted access to this service ".
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (WI)

Double reporting issues with a " XXXX '' status on my XXXX credit report. There are XXXX separate " XXXX XXXX XXXX '' reports happening on my XXXX account that are highly inaccurate as the company can only " XXXX '' or XXXX XXXX XXXX  ONCE on an account. You will see on my XXXX credit report as of XX/XX/XXXX that Santander Consumer USA has reported this information XXXX! Once in XX/XX/XXXX and again in XX/XX/XXXX! That can not happen and is in clear violation of the FCRA and a lie to the consumer reporting agencies! The other discrepancy noted on my credit reports is that on my XXXX report, Santander Consumer USA HAS NOT REPORTED A " XXXX '' or XXXX XXXX XXXX in XXXX of XXXX and that it is being reported on XX/XX/XXXX! As well as my XXXX credit report shows that a XXXX XXXX status was put in place in XX/XX/XXXX! With a term duration of only XXXX Months? This account is also inaccurate and is in clear violation of the FCRA as Santander Consumer USA DOES NOT KNOW THIS INFORMATION TO PROPERLY REPORT IT TO THE XXXX MAJOR CREDIT REPORTING AGENCIES!!! This company is potentially making up information as they go when they come under fire for disputes from agencies and the CFPB or XXXX! This account needs to be deleted from all of my credit reports as it is in clear violation! Attached below is my most current reports from XX/XX/XXXX that will prove this information to be inaccurate and false and needs to be removed from all XXXX of my credit reports!
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX keeps reporting my account as settled but has not started reporting with a balance and past due amount on the report. This account was settled and with an agreement to forgive the difference of the balance remaining. I keep getting reported as deliquent on an account that should no longer appear on my credit report at all. Once the settlement was signed, I refinanced with a different company to continue paying off the vehicle. XXXX XXXX XXXX called me multiple times per day even when I was at work stating that they needed to collect the money for my payments on my truck to the point of harrassment.
Consumer complaint received 2017-05-06
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: Experian Information Solutions Inc. (PA)

I called and spoke with a representative at   XXXX   and Experian  credit  reporting I have sent in documentation showing that I have paid my balance in full with  XXXX   XXXX   XXXX .    XXXX  continues to report a balance of {$11.00} on my report from  XXXX    XXXX   XXXX  . I have tried to dispute this online also when trying to submit the dispute the website does not allow this to be submitted. Reporting this on my credit report is emotionally and financially distressing, I am contacting you to help is a resolution that will stop the harassment that I am suffering in to this day.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (DE)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$2500.00}, XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX  XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX wont see it my way just do everything they want in the first place how can you say my payments were lare they were made as always and you guys accepted them instead of returning them to XXXX which would of gave me idea payments were messed up but you guys kept accepting payment from me instead of sending them back wgich would of gave me a inkling to problem that was happening you accepted monthly payment every month instead of saying no not enough. i made my payment like clockwork till i got a letter in may which made me up money which i thought was overdue taxes tp make amount you wanted for may.the exces amount was not due till XX/XX/XXXX which means you got what you wanted payed to you guys ahead of time.the amount that was past due was on account which i pay ahead of time and you got mothly amount due payed ahead of time.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

First the date I opened the account varies depending on which bureau you view it from the amounts are all over the place. The fair credit act starts every thing must be 100 % accurate or removed from my report
Consumer complaint received 2023-09-24
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: EQUIFAX, INC. (FL)

Account number XXXX Credit limit {$500.00} Open/closed Open Date opened XX/XX/XXXX Account type Credit card This account is not being reported to Equifax or XXXX Account number XXXX Credit limit {$8200.00} Open/closed Open Date opened XX/XX/XXXX Account type credit card This account is not being reported to Equifax or XXXX Account number XXXX Credit limit {$21000.00} Open/closed Open Date opened XX/XX/XXXX Account type Credit Card This account is not being reported to Equifax or XXXX Account number XXXX Credit limit {$20000.00} Open/closed Open Date opened XXXX XXXX, XXXX Account type Charge Card
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
XXXX XXXXXXXX XXXX the government has obligation to discharge and settle debt we may incur
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days ago on XX/XX/2023. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

I have hired numerous companies and sent letters myself to these reporting agencies. My legal name ends with a XXXX and that is the only way I sign legal documents. Old addresses keep appearing and some address I have never held residence in. My address is XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Somehow My father accidentally added me as an authorized user on his credit card at  XXXX   XXXX . I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her  credit score . It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This summary addresses the issue of inaccurate reporting on my credit profile, which has resulted in the unauthorized use of my Social Security Number ( SSN ) by someone else. I am seeking resolution and assistance from the Consumer Financial Protection Bureau ( CFPB ) to rectify the situation.I have discovered inaccuracies in my credit profile, specifically related to the unauthorized use of my SSN. These inaccuracies have led to fraudulent activities, with someone else falsely assuming my identity and utilizing my SSN for financial transactions and credit applications. As a result, I have experienced significant financial harm and potential damage to my creditworthiness.I have taken initial steps to address the issue by contacting relevant credit bureaus and reporting the fraudulent activity. However, the situation remains unresolved, and I now seek the CFPB 's intervention to ensure a thorough investigation and resolution of the matter. XXXX, XXXX, Transunion both received letters from me dated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each credit bureaus have failed to provide proper validation for the alleged accounts : eastern account systems ( reporting on Transunion ) and XXXX XXXX  ( reporting on all XXXX bureaus ) None of the credit bureaus have provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. I have requested that all information that could not be properly validated be deleted immediately and my requests have been ignored. Based on FCRA 611 ( a ) ( 2 ) ( B ), Each bureau is required to forward all relevant information provided by the creditor for their investigation of my dispute. All each bureau has done is merely update the account date and imputed my name with the alleged debt. This blatant negligence to be compliant and refusal to take my request for proper validation will no longer be tolerated. The unverified items Eastern account systems and XXXX remain on my credit report and are a violation of Federal Law. As a consumer my rights have been violated by the credit bureaus. This refusal to remove the accounts after requesting proper validation is " negligent noncompliance '' under ( Section 617 ) I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-12-20
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. (CA)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct this account ASAP : XXXX XXXX  XXXX