davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is XXXX XXXX and I am submitting this CFPB complaint reagrding the Fraudulent accounts I found on my updated Credit Reports. It has been a battle going through this and I am submitting yet another CFBP Complaint to delete the following fraudulent accounts in my file. The accounts I need deleted are listed below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulent accounts showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts listed below as soon as possible in accordance with the Fair Credit Reporting Act section 605b : TRANSUNION : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$440.00}
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON MY TRANSUNION CREDIT REPORT. 
They are collectors for XXXX XXXX  XXXX.At the only visit I have ever had I needed to have a tooth pulled.I paid {$200.00} cash at the time of service.In addition I had a deep cleaning which was covered by my XXXX XXXX XXXX   PLAN that I was told was covered.I was given a prescription for XXXX that was paid for by my insurance.This debt is fraudulent.
Consumer complaint received 2018-04-15
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX THESE ACCOUNTS ARE REPORTING BALANCES AND PER FCRA THEY MUST BE DELETED WHEN REPORTING INNACURATE AND THIS BUREAU HAS DONT NOTHING ABOUT IT. 

INCORRECT NAME OF XXXX XXXX REMAINS ON MY REPORT INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2022-11-10
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: EQUIFAX, INC. (AZ)

When I reviewed my updates, I discovered that inaccurate information was being reported to my personal credit file. Credit reporting agencies have failed to comply with the Fair Credit Reporting Act, 15 USC Section 1681i, and have continued to disclose unverified information without giving the necessary documentation. The three credit bureaus failed to properly identify and produce verifiable proof within the time frame required by law. The following information is incorrect, and I never gave permission for my credit to be accessed. They have not provided me with formal consent or removed these things from my credit report. The following elements must be removed : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I have an ins agency charging me for an old policy and a current policy that is not due until XX/XX/2023. I disputed the charges, contacted the credit card company and cancelled my card. The next day they let the charges go through again. That was the point of cancelling the card. They told me to tell the merchant but they still should not let charges go through
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (OH)

I spoke with a account specialist in XXXX prior to my account charging off. Was in works with getting a settlement. I asked the rep/account manager from CitiBank that handles settlements " when does my account charge off '' and if it was a early charge off. The rep stated they didn't know and that the account wasn't charging off yet/after that bill cycle. They didn't tell me that XX/XX/XXXX was the last due date before charge off after I specifically asked when does it charge off. I received no letters via mail explaining they were charging it off until I received one notification that a debt agency was handling/recovery team. After explaining my situation, I offered a lump sum that was denied and the call ended with no arrangement. I was expecting a settlement letter via mail for the account/another correspondence that would've explained the time frame I had to respond without being taken to court but nothing was sent ( nor any phone calls ) until XX/XX/XXXX when I received a certified letter dated XX/XX/XXXX. I tried calling this law office that CitiBank employed for this matter and got hung up on 3 times and then sent to someone's voicemail. I left a voicemail and emailed the email on the letter. In the most professional way to explain, CitiBank failed to inform me/provide me with the information needed so that I could settle this debt within their guidelines. If known when it was going to charge off, I could've tried to make further arrangements. This would be a violation of FDCPA laws as a deceptive practice/misinformation
Consumer complaint received 2018-10-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synerprise Consulting Services, Inc. (TX)

The debt collector did not send me a debt validation letter- to include the amount of debt, name of original creditor, and statement regarding the right to dispute the debt, and to obtain the validation of debt. 

The debt collector calls from a number that comes up " Private Number, '' " Unknown, '' " Out of Area, '' or " Restricted, '' on my caller ID. 

The debt collector calls and does not leave messages Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX XXXX  Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number is : XXXX. As of XX/XX/XXXX, the account is paid off and closed. Please verify and make the appropriate corrections.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

I have been using this Marcus account for roughly 6 months and I have been consistently depositing money into it to save up. The account is not a CD so I expect to have the liquidity flexibility for my funds. My latest deposit was last night ( after hour ) and while the deposit went through smoothly, this morning while I tried to withdraw for a first time in a bit, I could not proceed and kept getting error messages. I tried calling the customer hotline, which was ONLY NOTIFIED THEN that there was a restriction on my account. I proceed to request information on when and why was my account restricted, as well as removing the restriction and not only did I not receive ANY INFORMATION on why my account was restricted NOR WHEN the restriction was placed, the representative ( Diamond? ) told me that she could not verify my identity since I just changed my number ( though it is updated in the app, and I have verified with SSN, first and last name, DOB, secret security word, as well as email ). I spoke to another representative, XXXX, which, apparently, has access to the record of me speaking with XXXX, and aggressively told me I will have to wait XXXX business days to hear back since my phone number did not meet the criteria to be verified. Of which, when I asked why and what are the criteria, XXXX refused to provide me any additional information about why my phone number does not meet the criteria and what the criteria is. This is violating my rights as a consumer since I was not notified at all about the restriction and now, I can not have access to my emergency funds, specifically for withdrawing only and not depositing.
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have inaccurate information on my consumer report A consumer report must maintain 100 percent accuracy I am federally protected and my rights must be upheld to the highest extent of the law please investigate all my complaints and deleted XXXX XXXX XXXX - Please start a re-investigation and prove that this account actually belongs to me. - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me XXXX XXXX XXXXXXXX - XXXX - I believe this collection is reporting inaccurately. - This is not mine - please remove this inaccuracy from my report! 

XXXX XXXX - XXXX - I believe this collection is reporting inaccurately. - This is not mine - please remove this inaccuracy from my report! 

XXXX - XXXX - I believe this collection is reporting inaccurately. - This is not mine - please remove this inaccuracy from my report! 


A consumer report must maintain 100 percent accuracy and completeness having account number that are not fully being reported are a fcra violation
Consumer complaint received 2024-04-01
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. (CT)

DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I SPOKE TO XXXX XXXX IN REGRAD TO DISCHARGING THE ACCOUNT FOR BEING OPEN FRAUDUALENTLY WITHOUT OUT MY CONSENT ON XX/XX/XXXX I PROVIDED THEM WITH ALL MY DOCUMENTS AND POLICE REPORT AND SIGNATURE SAMPLE SHOWING THAT THE ACCOUNT WAS NEVER OPEN BY ME AND THAT I NEVER ATTENDED THE SCHOOL THAT IS ASSOCIATED TO THE PROMISSORY NOTE. THIS ACCOUNT WAS CREATED FRAUDULENT BY THE SCHOOL TECHNICAL CAREER INSTITUTION.
Consumer complaint received 2022-11-10
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 multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: KBHS Home Loans, LLC (CA)

I availed of the XXXX  XXXX  ( XXXX XXXX XXXX  ) through XXXX. XXXX practically lost the documents that came with the closing packet and was not able to submit my applic in time to XXXX. Now, I can not avail of my {$2000.00} ( or 20 % of interest I paid ) yearly tax credit up to the life of my loan ( 30 years ). After lengthy follow ups, XXXX  offered to restucture my loan, but i still need to pay {$3000.00} plus to close. I refuse to do that. They also refuse to recompense me the equivalent of what I should have receive as tax credit for XX/XX/2017 and this year up to when we will finally restructure, had their company, through its agent done their due diligence.

NOt only I am not able to avail of my tax credit but they actually expect me to shell out MORE money! Preposterous.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I have a XXXX 's store card and had it enrolled in Automatic payments. I changed accounts and for several months I have been unable to update the account number for the automatic payment through the online website. Because of this I fell late on one payment during the month of XX/XX/2018 and contacting them is always a hassle. I don't think it's fair for their technical problems to cause a derogatory mark in my credit score. I paid off the account and will close it but I need to try and have this late payment wiped off as it was not my fault that the automatic payment could not be updated over the phone 's VRU. I can't even look at my statements online because I get the same error message. This has been going on for MONTHS.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I used to have a joint account with my former husband XXXX XXXX at XXXX XXXX XXXX 
I divorced him because he was involved in XXXX XXXX  and fraud to the IRS. 
After my divorce, XXXX XXXX XXXX  has been reporting false information bout my payment records. 
I must mention that it was I, who took in the responsibility to made the payments when I was married. 
I tried to talk to a bank manager ( they are located inside of XXXX XXXX  ) the manager was very rude and offensive. 
My records still have the wrong information that XXXX XXXX XXXX  reports. 
I need to clear my records. 
Thank you.
Consumer complaint received 2024-04-01
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 whole process is causing issues to my life. 
I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report. 
I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NM)

In XXXX of XXXX I was in the hospital XXXX XXXX with XXXX after complex XXXX  XXXX. I supplied proof and they will not remove a 30 day late status for that date in spite of a PERFECT credit score for decades with them and other creditors. I have asked twice for an investigation with no results. This is slotted to remain on my account until XXXX. This is unacceptable. It is obscene that I should be punished for such an occurrence, particularly when my account was previously impeccable and has been ever since!
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (GA)

There was a charge of XXXX on GM card Goldman -Sachs for XXXX XXXX tickets on XXXX I did not make are authorize these charges, I have requested to send a copy of the receipts and asked to investigate and remove them with no positive reactions of satisfactory. These were not my charges I was not In XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: CCB Credit Serivces, Inc (TX)

Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.
Consumer complaint received 2018-10-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (LA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/XXXX / XXXX, XXXX, XXXX - XX/XX/XXXX.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
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: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NH)

XX/XX/2023 I noticed unauthorized transactions sent from my TD Bank account through XXXX to an unknown contact. I was in the process of sending money to my boyfriend and noticed that two unknown people were added to my XXXX account. I immediately froze my account and called my bank. The following day when the funds posted, my bank disputed the charges and reassured me that the funds would be back in my account within 10 business days. However, last week, on XX/XX/XXXX, I spoke to my bank and they had neglected to inform me through any other communication means that my disputed was not approved. I had them refile the dispute, which they did, but then was told that there was little confidence it would be approved this time because XXXX is like losing a wallet. I lost over {$700.00}. It started as a {$1.00} charge, then a {$320.00} charge, and then another {$400.00}
Consumer complaint received 2023-06-06
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. (CA)

UNAUTHORIZED AND UNAPPROVED INQUIRIES DISPUTED MULTIPLE TIMES BUT NO RESOLUTION. 

KEEPS MAILING ME MY FORM LETTERS AND CREDIT REPORT WHICH I ALREADY HAVE SEE ATTACHED