davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

On  XXXX   XXXX ,  2016   XXXX   XXXX   XXXX  submitted a bill to the credit bureaus in the amount of {$30.00} that I had no knowledge of and it also did not belong to me. I have tried disputing this account several times and nothing seems to happen. I 've also requested verification for this account which the company has not provided me with.
Consumer complaint received 2022-11-15
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: ALLY FINANCIAL INC. (CA)

I DID NOT AUTHORIZE THIS AND DO NOT HAVE CONTRACT WITH WITH ANY OF THE COMPANY LISTED BEOW. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION THAT I ASK FOR. 

ALLY FINANCIAL Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX DELETE/REMOVE FROM MY CREDIT REPORT
Consumer complaint received 2022-11-15
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. (MD)

I requested a copy of my signature giving the following companies permission to view my consumer report. 

Company name Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

Please refer to the events that happened regarding this complaint below : 1 ) XX/XX/XXXX - I applied for business credit card from Truist Bank. 

2 ) XX/XX/XXXX - Truist Bank approved the business card with {$20000.00} in credit limit and sent the card to me via mail. 

3 ) XX/XX/XXXX - I used {$20000.00} on the card. 

4 ) XX/XX/XXXX - On first statement, I found out Truist decreased the credit limit from {$20000.00} to {$6400.00} without any notice, and after I already used the card within the limit on XX/XX/XXXX. 

5 ) XX/XX/XXXX - Truist closed account due to over-limit balance on card. 

Sincerely, XXXX
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to dispute an inaccurate account with TransUnion several times. The account is US Department of Education XXXX. The account is reporting inaccurate opening date, date last reported, date of last activity, and payment history. Because this information does not match XXXX that means it has not been verified. I have tried to contact the company myself to verify the account. Please delete this account. Please block this account from reappearing as it is inaccurate and unverifiable. Please send me a copy of the updated credit report reflecting the deletion. I have attached a copy of my driver 's license and social security card for identity verification purposes. if you are able to contact someone to verify this account please send me the date you spoke with them, their full name, their e-mail address, the direct telephone number, their mailing address, and their fax number so that I may contact them as well. Please do not send me a generic response stating that the account has been updated or verified. Thanks for your assistance in this matter! 

P.S. This account is also a duplicate. The account has been transferred and is already reporting correctly on my credit report.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (CT)

I had a checking account with Discover bank because they were offering XXXX, as they decided to no longer offer XXXX, I decided to close my account with Discover and enroll my phone number with another bank that has XXXX, Discover bank has put restrictions on my phone number for no reason that is making it impossible for me to enroll my phone number with XXXX through another bank. I have been trying to get this resolved for the past three months, I am hoping with your assistance that they remove those restrictions in place so that I can enroll my phone number with XXXX at another bank. As I have closed my account with Discover 3 months ago. Please help get this resolved as soon as possible, as I am a law abiding citizen, and never had any issues using XXXX. Thank you so much.
Consumer complaint received 2017-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On  XXXX   XXXX ,  2017  I sent a letter disputing multiple inquiries to all credit reporting agencies and asking for removal. They responded sending me a letter explaining what an inquiry is! I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating what inquiries are and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate inquiries on my credit report. These inquiries do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the inquiries were my responsibility to contact businesses to remove and they do not remove inquiries I also requested twice in writing to update and correct old addresses, employers and phone numbers and all they keep sending me is the exact same credit report repeatedly.
Consumer complaint received 2022-11-15
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. (GA)

In XX/XX/XXXX and again in XX/XX/XXXX, I disputed inaccurate information on my credit report with XXXX, XXXX and Experian Credit Reporting Agencies. I sent letters in the mail that my name is being reported inaccurately as well as inaccurate reporting of fraudulent accounts. I provided an updated Driver 's License and Utility bill with my accurate and up-to-date information to correct my name and address. I also requested that these 3 Consumer reporting agencies to validate with proof that XXXX XXXX, XXXX  XXXX XXXX and XXXX are all fraudulent accounts and they sent me a notice via mail that the information on my consumer report has been verified without providing any proof of such verification. XXXX and Experian continues to report that the information in my report has been verified. Verified by who? If I am the consumer, who has authority to validate who I am?
Consumer complaint received 2023-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC (AZ)

A debt collection account with Healthcare Collections showed on my credit report for {$2000.00} from a 2017 medical debt. When I called them, they said they were unable to locate an intemized statement and directed me to call the hospital for information. When I called the hospital, they said the bill was from my adult son 's care in XX/XX/2017, but that it seeemd a bill would not have been received in the mail as they had symbols in error on the address line. I was unable to receive further information about this bill, as Healthcare Collections said they didn't have the itemized statement, and the hospital said they wouldn't discuss it with me since it was for another adult. In the meantime, it is on my credit report, and has caused all my student loans to be denied this semester, and will result in my student loans being denied going forward.
Consumer complaint received 2022-11-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Statebridge Company (NY)

I have been contacted by many debt collectors about this same loan from XXXX. I know XXXX people cant possess the same loan and ask for payment. I believe I am a victim of mortgage fraud or extortion. XXXX XXXX is representative for XXXX XXXX XXXX XXXX XXXX XXXX. He is also representative of XXXX a company that has been claiming to have acquired the loan prior to XXXX XXXX. He has reinvented himself with XXXX XXXX and is now foreclosing on me for a debt he says is expired and does not own. He claims I defaulted on this loan in XXXX. I never had a loan with this company. He even has a servicer with a bogus loan account. He has not substantiated his claim by producing any bank statements or ledgers. He has not verified or validated the debt which he says is expired. He is attempting to extort me for {$250000.00}. He has me in court attempting to force a modification. I believe XXXX XXXX is the sole person attempting this fraud. I have filed a claim before but no resolution was given by him so the claim was closed but now he has found another mask to hide behind. He has also admitted that statute of limitations has expired on this loan in previous letter.
Consumer complaint received 2022-11-16
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)

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 602 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 OR INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 

15 U.S.C 1681s-2 { A } { 1 } A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX
Consumer complaint received 2022-11-16
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: ALLY FINANCIAL INC. (NY)

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following 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 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 2023-02-16
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-09
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. (KY)

On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to experian and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond t o two r equests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 inquiry : XXXX XXXX || Date of inquiry : XX/XX/2023
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon the investigation of these accounts the company XXXX, TRANSUNION, XXXX failed to verify accurately said accounts without proper documentary evidence without my consent but continued to report inaccurate information which is effected me.. Knowing this is a clear violation of FCRA [ accounts are ] XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am filing a complaint with TransUnion,  XXXX , and  XXXX . After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter one more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire credit report.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticedmany items which do not belong to me. Since Im a stickler for research, I found that under section605b of the FCRA you are required by law to remove & block any items which are found to be openeddue to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report foryou and the bank 's records ( learned through more research both parties require ). Please block/removethese files. XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX OF XXXX XXXX : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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.
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV INC. (GA)

My company used XXXX for all our transactions for my XXXX business ( XXXX XXXX, XXXX. ). In the month of XXXX we used XXXX to collect {$74000.00}. XXXX put a hold on transferring this money to my account due to a fraudulent claim. There was not any fraud involved. They have already taken the money from my customer and are holding onto it. every attempt we have made to collect these funds have been met with people giving us the run around. All of our direct contacts have done nothing to help us and have even gone as far as to avoid our calls. It has been almost 60 days that they have been holding onto my money and I need it deposited to make payroll for my employees. At this point I need any help I can get to get my money deposited.
Consumer complaint received 2022-11-16
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. (CA)

The record XXXX am questioning connects with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Pursuant to Section 605B of Fair Credit Reporting Act this unknown item must be deleted. 

XXXX XXXX  CC XXXX