davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (IL)

I have recently noticed on my credit report ( s ) that information specifically inquired about information was reported I do not recognized. Several times I have enquired about these inquiries to the bureau 's to no avail.
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (OR)

XX/XX/2021 I receive child support benefits through the state of Oregon on a U.S. Bank Visa ReliaCard. 
On XX/XX/2021, I attempted to use my card to buy groceries and it was denied. I was shocked because I had nearly {$7000.00} on the card. I had been saving as much as possible to use for my daughter 's XXXX. 

I immediately called the number on the back of the card and after many tries and hours got through. They said that {$1900.00} had been transferred from my debit card to a bank account, not once, not twice, but three times within 10 minutes on XX/XX/2021. The following day, XX/XX/2021, {$700.00} was transferred to the same account. They then directed me to the fraud department and took me through cancelling the card. 

It appears someone had set up an online account in my name. They may have used the email address XXXX to change the pin, etc. That is an email address I have never seen, had, or used, nor do I have access to it, but when I accessed the account online that was the email associated with the account. It had apparently been changed from my email and no one ever informed or checked with me to insure I had made the change. I dont know what phone number is associated with the card, just that it is not my phone number which was rejected as being associated with my card. 

I did not make or authorize these transfers. My card was not stolen. I did not give my card information to anyone. In the nine years or so I have had the card I have never made a card to bank account transfer. I would think that these huge transfers within minutes of each other, along with personal information on the account being changed would have triggered the fraud triggers U.S. Bank is said to have in place, but I guess they did not. 

I filled out all the required fraud paperwork on time and properly. I can show my bank accounts, credit report, anything. The dispute claim number is XXXX. 

I received a letter today dated XX/XX/2021 from U.S. Banks Prepaid Dispute Resolution stating there was no error and that my child support account would remain at {$0.00}. The investigation was done extremely quickly, and I have no way of knowing what it consisted of. I would hope that when a childs welfare is on the line, a little more care would be taken to get this right. Someone stole {$6400.00} from my XXXX XXXX and U.S. Bank literally hung up on me when I tried to calmly get more information.
Consumer complaint received 2023-04-19
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXX, XXXX XXXX
Consumer complaint received 2023-04-19
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$700.00}, XXXX XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXX, XXXX XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (TX)

I am being continuously contacted by First Credit Services. I spoke to a company representative on XX/XX/2023 at XXXXXXXX XXXX CST I told the representative to Cease and desist all calls at that time and have still been receiving calls continuously after the fact. The debt that they are trying to collect I do not owe and have reported this to the Federal Trade Commission as well as the XXXX XXXX XXXX. The company that First Credit Services is trying to collect for used shady business practices for an auto renewal contract to scam me. I was no longer able to use their services due to a XXXX and the company refused to refund me the money for a membership I had not used in over a year. I will be taking legal action to recover the money I am owed if necessary. I am providing this notice to First Credit Services to cease and desist phone calls to myself again.
Consumer complaint received 2023-10-11
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$6500.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$6500.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-10-11
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: DISCOVER BANK (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : DISCOVER BANK XXXX, XXXX XXXX XXXX and XXXXXX/XX/XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This was another submission of complaint I am puttung forward, as recently I just received my updated credit report and found that the three remaining negative accounts were still present in my XXXX and Equifax Credit Reports, and I am once more asking the mentioned credit bureaus to please REMOVE THESE ACCOUNTS I LISTED IN THIS COMPLAINT : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XX/XX/XXXXXXXX Account Balance {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Account Balance {$0.00}
Consumer complaint received 2021-08-01
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: American Collections Enterprise, Inc. (MD)

I submitted a disputed to all three credit bureaus against American Collections open balance of {$65.00} in XXXX. XXXX ( XX/XX/2021 ) immediately removed outstanding amount from Credit Report however XXXX  and XXXX  came back that the amount was valid. I proceeded to submit ( XX/XX/2021 ) the dispute report from XXXX  and XXXX  is currently researching for over 30 days and XXXX  came back that the amount was valid. I attempted to resubmit a dispute to XXXX  and I was not allowed as it was determined that the matter was closed. I then waited a few days and submitted another dispute with the XXXX XXXX report and a copy of the money order ( XX/XX/2021 ). Immediately I received an email that the dispute was valid. I proceeded to call XXXX  where I was repeatedly asked what new information did I have available. I asked the representative what additional information would be needed than proof that another credit bureau found the information needed to be removed without any documentation. However I also submitted a copy of the money order. After being asked multiple times if I had additional information the representative stated they were able to see the documentation I originally submitted and hopefully the reviewers would see it and remove American Collections from my report. However I receive multiple emails from XXXX  that the matter is being investigated and XXXX  states it is still under investigation. There is no reason that this issue should have taken multiple submissions over 2 months. It should be resolved and the items removed.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached
Consumer complaint received 2023-10-11
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. (NJ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$4500.00}, XXXXXXXX XXXX XXXX Balance : {$4300.00}.
Consumer complaint received 2023-10-11
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (NV)

This was another submission of complaint I am puttung forward, as recently I just received my updated credit report and found that the three remaining negative accounts were still present in my Experian and XXXX Credit Reports, and I am once more asking the mentioned credit bureaus to please REMOVE THESE ACCOUNTS I LISTED IN THIS COMPLAINT : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-10-11
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-12
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. (IL)

I have attempted to contact the companies to inform them that I did not authorize these inquiries, but they did not provide assistance. 

I did not authorize these companies to run my credit, this is fraudulent.
Consumer complaint received 2023-10-11
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. (NC)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 {$0.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (CA)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX  Act. # XXXX XXXX XXXX XXXX  Act. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX has 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 2023-10-11
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-10-11
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-10-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I went into Chase bank to open a new CD account I then wrote a check for the deposit of {$100000.00} and the check was made out to myself and the check was written from my checking account at XXXX. The women that helped me was XXXX XXXX at XXXX and she told me their system was down but it went back up so she opened the cd account and gave me a receipt showing the account number and funds deposited. I then noticed the account did not show up on my online banking and also when I called the chase phone number it said I had XXXX dollars in the account which was on XX/XX/2023. I went back into the bank twice since the day I opened the account and was told they were working on it and also called the customer service number and was told the money would show up in my account on Tuesday XX/XX/2023 but it never did. I checked with XXXX and the check was cashed and I have a copy of it. It was cashed by Chase Bank. The money still has not shown up in my account online or by phone verification. But was debited out of my XXXX account. I do have the receipt of the deposit. 

I keep getting told it will show up but it never does and I was told this many time. It has been 9 days since opening this account but they did not put the money in my account. The banker XXXX told me that there was nothing she could do that corporate has locked this acct. Also the Vice President XXXX XXXX also said that he could not do anything about this. I have a receipt for the deposit and the copy of the cashed check but where is my money? It is not showing up on my online banking and when I call the Banks phone number and punch in this CD account number it does recognize my acct number and the automated system says I have XXXX dollars in that account. I would like to know what they did with my money. They keep saying its a computer glitch. But nobody is doing anything to fix it.