davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (IL)

In XXXX, 2019, Simple Bank had a promotion that offered a {$250.00} bonus if {$10000.00} was deposited and kept in the account for 3 months. 

I followed all of the links that went with the offer. I signed up before the deadline, and made the {$10000.00} deposit on time. I kept the entire {$10000.00} in a zero-interest account for 3 months because I was led to believe that I would be getting the bonus. 

I was supposed to receive the bonus in XXXX. Since my account was not credited, I contacted the bank and was told that I had signed up for the wrong account. The representative I spoke with was extremely rude and did not attempt to listen to my side of the story. 

The wording of their promotion was misleading and deceptive and I can not imagine that I am the only person who was scammed by this fraudulent offer.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

This account from XXXX XXXX XXXX in the amount of {$18000.00}, does not belong to me and currently is in LITIGATION. " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gardens ( Mo ) 281 SW 715 719. I presume that no proof of the alleged debt, nor therefore any such debt in fact exists ''
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

They are reporting a bankruptcy on my credit of XX/XX/2014 that does not belong to me and belongs to someone with a similar name as me. They are also reporting inaccurate telephone numbers and saying they verified with the person who gave them the information when the courts are the only ones who can verify this information as they have them down as the fernisher that reported the information. I have asked for documentation and names of the person who verified the information as it is the law that they provide that to me after saying they have verified the information. They are reporting a telephone number of XXXX which does not belong to the XXXX XXXX bankruptcy court and is not in service. I went to the court about the information being reported incorrectly and they informed me that this belongs to someone that lives on XXXX XXXX in XXXX mi and I have lived at my address for 14 years now. I also received a letter from them stating that they do not give information to third parties or credit bureaus and they do not update information either. I also filed a police report and I gave them both and they still are saying they have verified the information and that its mines but its not. Please help
Consumer complaint received 2021-03-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Reporting Inaccurate And Fraudulent Information On My Consumer Report. Report Shows a Debt Owed to Bank Of America And Closed Checking Account as A Result Of Suspected Fraud Activity. This Report Has Been Disputed by Me and Was Not Removed From My XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please Remove These Derogatory Marks Under the FCRA This Unverifiable and Inaccurate Information should be Removed From My Report.
Consumer complaint received 2023-08-06
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. (NY)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-08-06
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. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ I lost my wallet in XXXX  and my identity was being used, in the process of making a purchase, I was notified of fraudulent accounts opened and addresses using my my Identity such as my name, birthdate, and social security number. Listed below are the accounts opened fraudulently and addresses illegally used.
Consumer complaint received 2023-04-20
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. (CA)

In accordance with the fair credit reporting a XXXX  account XXXX XXXXXXXX XXXX {$14000.00}, XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX {$770.00} has violated my rights to privacy. 
15 U.S.C 1681 SECTION 602 A .Its states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section A states I have a right to privacy.
Consumer complaint received 2023-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to submit a formal complaint against TransUnion in relation to inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe to be erroneous. As of the current date, I have not received any response or resolution from TransUnion. The following are the details of the disputed accounts and the required corrections : 1. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$800.00} The account with XXXX is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8800.00} The account with XXXX  is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} Original Creditor : XXXX The account with XXXX  is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Original Creditor : XXXX  The account with XXXX  is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8400.00} The account with XXXX XXXX was never late, and I insist that TransUnion immediately removes the late payment status associated with this account from my credit report.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-05
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. (PA)

My consumer rights have been violated. XXXX XXXX XXXXXXXX The credit bureaus violated my given rights under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. This account is not mine and has been opened fraudulently.
Consumer complaint received 2023-08-05
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. (TX)

I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.
Consumer complaint received 2023-08-05
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. (TX)

On XX/XX/XXXX @ XXXX a dispute was received via certified mail to TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In this dispute, I requested for TransUnion to carefully investigate my formal write composed statement of unproven compliant misinformation that is all in part : deficient of adequate current status in fullness of truth and accuracy. 

TransUnion completed the investigation and stated the accounts were verified, however PROOF as I requested was given to me. 

On XX/XX/XXXX, I contacted TransUnion via phone, XXXX and requested the PROOF AND EVIDENCE of validation/ownership for the accounts marked as verified. I was told I can not have that information, when asked why, the representative stated TransUnion was not given any proof by the creditor. When asked how TransUnion verified the accounts, the representative stated each creditor was contacted to verify the accounts as accurate. When I began to ask what date they were contacted, who did they speak to, and what information was given to verify the accounts, the representative could NOT give me that information. I asked to speak with a manager, she stated the manager would tell me the same information. I requested to speak with a manager for a second time and the representative ended the call. 

On XXXX, I was transferred to a different department who stated, on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX responded to the dispute and advised the accounts were ACCURATE. On XX/XX/XXXX XXXX responded and verified the TWO Bankruptcy. When asked for PROOF OF VALIDATION, he advised me I would need to contact the lender. I advised the representative due to the information being reporting on THEIR website, Im requesting it from them. I was denied this request. 

Federal laws mandate that all potentially damaging or derogatory reporting MUST be substantiated by IRREFUTABLE testimony. Ensuring the physically verifiability of the CONFIRMED manual validation of any item. Upon the filing of this complaint, please return to or retain federally lawful reporting and immediately annul all allegations made against me as they lack physical evidence. 

I have disputed these items MULTIPLE TIMES, starting in XXXX.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Hi! 

I didn't give companies permission to view my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
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. (TX)

I reported to Transunion on XX/XX/XXXX on XXXX XXXX XXXX XXXX about inaccurate reporting. I simply asked that my XXXX XXXX XXXX XXXX account opened XX/XX/XXXX. I also provided laws from the Fair Credit Reporting. Even though this dispute was submitted on XX/XX/XXXX the company responded on XX/XX/XXXX. That's way beyond the allowed time by law. I ask that this XXXX XXXX Account open on XX/XX/XXXX remarks be updated to all current and on time. 

Your page states " Consumer reporting agencies have XXXX business days after completing an investigation to notify you of the results. Generally, they must investigate the dispute within 30 days of receiving it. 
However, it has 45 days to investigate if you dispute after receiving your free annual credit report. Also, if you submit additional information relevant to your dispute during the 30-day investigation period, it can extend the investigation period for 15 additional days. ''
Consumer complaint received 2023-08-05
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. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$540.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have paid a bill off with a creditor on my credit report and I have disputed this same amount on my credit report and TransUnion has not change the amount to paid in full. The bill is paid off and it has not changed yet, it been two months! I look at the other credit report agency and they changed it within two weeks or so! This has been disputed twice with TransUnion, they are not a quality company at all!
Consumer complaint received 2018-04-13
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 have called and sent many letters to have incorrect addresses removed from all Credit Bureaus and disputed incorrect information on reports and keep getting told they are verified but havent gave me no verification of account accuracy.
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (FL)

This people are thief 's and don't stop ripping off people out why? 
Before my last payment that must be XX/XX/XXXX Acct # : XXXXXXXX XXXX : XXXX. 
I contacted Southeast Toyota Financial to let them know that this month will be my last payment but instead of Amount : {$210.00}, will be only {$180.00} since that was my last payment pay off I contacted one month before XX/XX/XXXX. 
Contacted several times through the internet but like I said the don't care, I'm wondering if the consumer financial pretention bureau care or just I'm wasting my time here since there are thousand of people complaining to Southeast Toyota Financial but they keep doing damage to us. 
Today after I did my last payment my balance is Principal Balance : ( {$30.00} ) so I asked to be refunded into my account but the problem continue since Southeast Toyota Financial is posted in their website that my next payment of {$210.00}, will be at XXXX XXXX XXXXXX/XX/XXXX please STOP THIS XXXX manipulation from this company now! thanks
Consumer complaint received 2023-04-20
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. (TX)

I have sent in Dispute letters to Experian, XXXX, XXXX. To have unauthorized inquiries removed. I received letters from the reporting agencies XX/XX/2023. Stating that theyre unable to remove the inquiries that I never authorized. I am requesting that all inquiries be removed.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (LA)

I have done two disputes to XXXX  and XXXX  on my car loan report on my credit it is showing late payments for months that were paid Months XXXX, XXXX, XXXX, XXXX are all up to date but it is showing late payments plus the date are wrong it is showing that the last payment for XXXX  were XX/XX/XXXX in the amount of XXXX and it is showing a balance of XXXX but the balance on my santander account is XXXX and on my XXXX  it is showing last payment was made XX/XX/XXXX which is incorrect my last payment was XX/XX/XXXX in the amount of XXXX dollars which has extended my account until XXXX and it is also showing the balance of XXXX which is also incorrect. I have did disputes, also called and tried to get them to fix it and they are still messing up my credit score!
Consumer complaint received 2023-08-07
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.