davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (MA)

Dear I was reviewing my credit report a couple of days ago, and I was shocked that there is a negative item thats fraudulent reporting on my credit report without my consent from your company, which was allegedly opened on XX/XX/2022 without my consent, and there is a current value of around {$560.00}. Obviously, I never applied for this account, nor did I authorize anyone to apply on my behalf.
Consumer complaint received 2023-06-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2022-12-20
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. (MI)

XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} Called and sent dispute letters they said they were removed no actions have been taken. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} called and sent dispute letters they said they were removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7000.00} Called and sent dispute letters they said they will removed no actions has been taken. 
XXXX. ) dXXXX XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX  Called and sent dispute letters they said they will be removed no actions were taken XXXX. ) XXXX XXXX XXXX XXXX XXXX  {$4500.00} XXXX XXXX XXXX Called and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$30000.00} card and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX {$30000.00} card I sent a few letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  {$130.00} XX/XX/XXXX car and sent disputes they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$8100.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) Still in XXXX Department of educationXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} caught and sent to spill I said this will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1000.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) So financial leading bank account see XXXX XXXX XXXX, $ XXXX {$520.00} I have called and asked for this to be removed they said that it would be removed no further actions have been taken
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MI)

One student loan is reporting THREE times with THREE different balances. I acknowledge ONE of the THREE accounts that was transferred to another company with the balance of XXXX. These other remarks with the same account number are inaccurate.
Consumer complaint received 2023-06-16
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. (FL)

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 deletion because they were reported incorrectly in my file. 
XXXXXXXX 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 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 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 2023-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

In March 2023, 150 {$50.00} checks were deposited into an account I hold jointly with my mother via online mobile deposit with her forged endorsement. 

Chase Bank allowed those checks to be deposited and the money immediately transferred into an account she holds individually ( also an online transaction ). My mother 's online banking was clearly hacked. One day later, Chase reversed the deposit of those checks stating they were fraudulent but did not reverse the transfer out. 

The scammers then proceeded to transfer and spend the money out of her individual account. Our joint account was {$7000.00} + dollars overdrawn. Rather than rectifying the fraudulent claim, Chase withdrew money from my individual accounts that were in good standing to cover the fraud without notifying me. By the time I saw what happened it was too late. 

Both my mother and I filed fraud claims against the respective accounts. Chase closed the fraud claims within 48 hours of us filing them with no notification or contact to either of us. 

Not only did she get hacked and have to deal with the identify theft that came with it, the hackers got away with {$7000.00} of fraudulently deposited checks and I got to pay for it from legitimate funds.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

In a previous complaint I notified company that account was not mine. I provided company with identity theft report as well as a notice to cease and desist all collection attempts from me and communications to me about the fraudulent account. Company failed to request consumer reporting agencies remove fraudulent account from my reports.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-26
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. (TX)

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.

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 2022-12-20
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Consumer complaint received 2022-12-20
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. (GA)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-11-30
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. (CA)

Hello, My name is XXXX XXXX XXXX. I have a problem with my credit report credit bureau showed a report with the wrong name and phone number and the wrong address also there is a XXXX credit card account that is not mine but they showing on my credit report. I don't know what to do this makes me really bad with my credit. it's going to be really bad cause they showing me the wrong information on my credit report. please help me I don't know what to do. please help me. I feel very sad and bad. why someone's credit is on my report? Please help me to remove it. please help me. Please fix this. Thank you.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I stayed at XXXX XXXX XXXX  in XXXX XXXX We signed our first lease on XX/XX/XXXX. We were never late on our rent and never caused problems for management. Our lease was scheduled to finish in XXXX of XXXX. I was notified that I would be medically XXXX from the XXXX sometime in XXXX. We spoke with the property managers at the time, XXXX XXXX XXXX and XXXX XXXX XXXX, and we were told that there was no issue with finishing our lease early as I was XXXX XXXX when we re-signed the lease on XX/XX/XXXX. We said we were unsure when we would be able to move but we were assured it was fine as the lease does not have a time period as long as the lease was signed while XXXX XXXX. 

When we turned in the XXXX  and notified them that we would be vacating the premises in 30 days XXXX XXXX was no longer working there and XXXX XXXX said she did not have any knowledge of us signing the lease while I was XXXX XXXX. We assured her she was present and showed her the paperwork showing she was the one that signed with us. She became irate and told us to leave the office and we complied. 

We went to the XXXX XXXX XXXX XXXX  XXXX and they typed out a letter informing them that they were violating OCGA 44-7-22 which also does not contain a time limit. My home of origin when I entered into the XXXX  is greater than 35 miles from the rental property. We turned the letter in to the XXXX XXXX and she again became irate and demanded we leave the office. We again complied. 

We moved out of the property and our belongings were moved by XXXX XXXX, indicating that we were still within the scope of our XXXX XXXX to move. 

XXXX XXXX XXXX then persisted with their early termination charge in violation of OCGA 44-7-22 and our lease. 

We filed a complaint with the XXXX  and XXXX XXXX XXXX did not respond to the complaint. 

We were contacted by Fair Collection Outsourcing ( FCO ) about said bill. We disputed the debt and sent them all of our documentation showing the charges were in violation of OGCA 44-7-22 and our lease. They responded with an email containing no documentation and stated they called XXXX XXXX and she told them to continue with the charges. FCO did not do a proper investigation into the debt owed.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-06-16
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. (IL)

I am sending this complaint in regard to the following, account XXXX XXXX. This account was obtained fraudulently on or about the date of, XX/XX/2021 with a credit limit of {$5000.00}. I've spoken directly with representatives of the company and explained that this account was opened fraudulently as well as sent in supporting documents such as proof of identity, FTC reports and proof of address. However, this account is still being reported as a charged off account with a balance of {$3000.00}. It is also reporting inconsistent and inaccurate information on all credit reporting agencies ; and according to the FCRA and FDCP these are violations of the 623 ( b ) and Section 807, as well as your company 's Regulation V. The company insists that the account belonged to me in spite of having evidentiary proof that it does not. This account is having an extremely negative impact on my livelihood.
Consumer complaint received 2022-12-20
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. (IA)

I AM A VICTIM OF IDENTITY THEFT BY A WOMAN I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HER STAY WITH ME FOR 5 MONTHS. I FOUND OUT THAT SHE HAS DONE THIS TO ALOT OF GUYS LOCALLY AND WILL GIVE ALL OF THE GUYS SHE'S TALKING TO INFORMATION TO HER ACTUAL BOYFRIEND AND THEY'LL SCAM PEOPLE. I NEVER REALLY USE MY CREDIT MUCH BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKE WITHIN THE NEXT 3 DAYS. 

FRAUDULENT ACCOUNTS : 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 XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Ive got a copy of my credit report and these addresses below, are inaccurate. Ive tried to get these addresses updated or removed from my report for months, but it seems like that, theres no way I could get that done ; due to the fact that, agents wouldnt take my word for it. Id like these addresses to be removed immediately, I have the right to privacy and accurate report.

Once you have deleted inaccurate addresses from my report, please send me a copy of my updated report.

I am filling this consumer complaint and consumer check for compliance of these particular items that are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state ID and a bill to validate my identity. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-20
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. (GA)

I received XXXX response today about the bankruptcy issues. They stated that they verified it with The United State Bankruptcy court which is a lie because they don't report any bankruptcies. XXXX can't verified the Bankruptcy either. So where are they getting they information from? I talked with XXXX and they stated that they sent out the alert about moving the bankruptcy be they never complied to their instructions. Please see the attached documents. Someone is lying and its isn't the courts nor XXXX. XXXX told me to ask you all to provide the correspondence that XXXX had with them. So I can provide the correspondence to XXXX XXXX. According to XXXX XXXX its law for XXXX to provide documents as they stated in their response. I talked with the Bankruptcy secretary and she stated that some. She asked me to ask you all to provide her signature and correspondence that you all proclaimed she verified the account as accurate. Please remove this inaccurate information from my credit report. Please see the attached documents.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION ()

I had a checking account with SunTrust for 35 years. SunTrust merged with Truist last year during the summer ; my checking account was closed by Truist unilaterally, without previous warning or information, because of scarce transactions, on XX/XX/2021. One month before, Truist had informed me that as of XX/XX/XXXX my account was active and that the transition from XXXX to Truist implied no change in my checking account. As a matter of fact in XXXX, on the XXXX, I had had an internet chat with a Suntrust representative concerning a new check-card and the representative ( XXXX ) mentioned no problem with my account. I have called and written to Truist many times to no avail. The money in my checking account was sent to the North Carolina XXXX. of XXXX XXXX as escheated. I think that Truist 's behavior has been contradictory, careless, incompetent and illegal.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Called Trans Union 's " Consumer Relations '' number. Tried to get specific answers to XXXX questions : 1. How will my score be affected by closing an XXXX XXXX account I've never used ( number of points and length of time )? 

2. How will my score be affected by allowing a car loan aggregator ( Autopay ) to access my credit report ( number of points and length of time )? 

After XXXX minutes of voicemail loops and dodges, someone just said they have no idea- it's all up to the algorithm. 

I currently have a score of XXXX. These people act like they hold our financial lives in their hands, and they basically do. Because of this, it seems that transparency should be a condition of their continued operation.
Consumer complaint received 2022-12-20
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. (GA)

My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a XXXX  that has accounts with Bank of America and have been charged with monthly card maintenance fees for the past 4 months starting XX/XX/XXXX. With being a XXXX  I do not get charged with monthly card maintenance fees until I am XXXX. I have called numerous times about this issue and have been told each time that they will leave a note under my account that I am under XXXX and to stop charging my card. I have continued to receive these charges each month and recently got one on XX/XX/XXXX. Each time I have called I have been issued a refund expect the charge in XXXX, but the charges continue to happen the following month and no one has stop charging my account.
Consumer complaint received 2023-05-26
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)

15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!! 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do. 
The accounts and the addresses are not mines i never lived at XXXX XXXX XXXX XXXX ga XXXX and my name is not XXXX XXXX XXXX XXXX or XXXX XXXX XXXX.