davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (GA)

Viewed credit report and it shows that XX/XX/XXXX payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/XXXX. A payment is {$250.00} was paid on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXX Bank, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Also, all dates listed need to reviewed. 
Current payment history XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late Previous reported payment history XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Current
Consumer complaint received 2023-01-27
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)

XXXX was reported twice as hard inquires on my Equifax Credit Report. I have never requested credit or loans from this establishment whatsoever. Both occurrences of the hard inquires were generated on XX/XX/2022 as well as XX/XX/2022 as per the Equifax report. I h need these hard inquires removed immediately.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (PA)

There are an UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2023-06-12
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. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (DE)

The National Recovery Agency has placed a balance of {$460.00} on my credit reports. They never sent me written notification of the debt, allowing me to dispute. They claim to have mailed it but I have mail forwarding from my old address and never received it, Furthermore, the bill is for the XXXX XXXX. XXXX XXXX bills me every month. They never notified me in writing that this bill was due despite them having no comprehensible reason to not know my address as I TRANSFERRED service to my new address. The first time I actually spoke with National Recovery Agency was just last week and it is already on my credit report. They have not even validated the debt before placing it on my report because they never gave me a chance to request validation. The debt being placed on my credit report is not validated debt! Moreover, I had this whole conversation with National Recovery Agency without confirming who I am. They did not know if I was myself or a third party.
Consumer complaint received 2020-03-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WSFS FINANCIAL CORPORATION (GA)

Wilmington Savings Fund Society FSB has retained XXXX XXXX XXXX to non-judicially foreclose an alleged debt allegedly owed to Wilmington Savings Fund Society FSB. 

XXXX XXXX sent me documents titled " Notice of Acceleration and Foreclosure '' and " Notice Pursuant to FDCPA '' in which it states that I owe Wilmington Savings Fund Society FSB, that Wilmington Savings Fund Society FSB has retained it to sell my home at auction, and that default has occurred under a " Security Deed ''. 

XXXX XXXX has not and refuses to provide me any documents identifying the terms of this " Security Deed '' or terms of the alleged debt. 

I spoke with Ms. XXXX XXXX with the Trust Department at Wilmington Savings Fund Society FSB late last week and she confirmed that I do not owe Wilmington Savings Fund Society FSB any money, I have no account with Wilmington Savings Fund Society FSB, and that it did not initiate any foreclsoure action against me. She also confirmed that Wilmington Savings Fund Society FSB, unwittingly, has been used in the past to hide mortgage foreclosure fraud through its Trust Department by debt collectors.

Neither Wilmington Savings Fund Society FSB or XXXX XXXX have provided me with any proof of the alleged debt yet both are continuing to collect an alleged debt from me by threatening to publish a notice of sale in the XXXX XXXX XXXX.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Credit Karma (MS)

XX/XX/2023 my husband 's paycheck was deposited in my account and the the company doesn't allow this because his name is not on account. They allowed us to withdraw from it first and then hours later locked the card. I was sent an email requesting documents to verify and they refuse to respond. I have since received my own paycheck and still can't have access to my money. I have sent more than XXXX emails with no response and I have called more XXXX times and they won't allow me to close the account or file a complaint
Consumer complaint received 2020-12-29
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. (TX)

On XX/XX/2020 I've sent Disputes regarding to those Unknown and Inaccurate on my credit report. Today is over 30 days but I haven't receive any response. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-09-08
Product: Credit reporting 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)

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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/ Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX XXXX XXXX Payment Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX  XXXX Late Payment Account XXXX XXXX Collection Account XXXX XXXX  XXXX Late Payment Account XXXX XXXX Collection Account I strongly believe that these items are incorrect and have been reported unfairly. I have carefully reviewed my credit reports and have found errors and inconsistencies in the information provided. 



I would like to bring to your attention that under the Fair Credit Reporting Act, credit reporting agencies must provide accurate and complete information to consumers. Inaccurate and incomplete information can have a negative impact on my credit score and my ability to obtain credit and loans in the future. 



Regarding the late payment accounts, I would like to explain that I have experienced financial hardships and have been unable to make payments on time. However, I have since made efforts to catch up on missed payments and have been making regular payments. 



As for the charge off accounts, I was not aware that these accounts had been charged off and was not given an opportunity to make payments and settle the debts. I would like to request that these accounts be removed from my credit report, as I believe they were reported without proper notification. 



I kindly request that you investigate these items and take appropriate action to correct any errors or inaccuracies in my credit report. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NC)

My account was locked after I deposited a check. On XXXX XXXX I was told it would be fixed on XXXX after check cleared. I wasn't given any notice by the way. XXXX was a weekend and Monday was holiday also Tuesday and my account frozen still. No response, no info from them.
Consumer complaint received 2023-07-04
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. (NH)

On XX/XX/2023 I had a report through my XXXX XXXX account of a recent hard inquiry. A Hard inquiry was done by XXXX XXXX on XX/XX/2023 for a credit card application that I did not submit. I contacted XXXX XXXX and reported this fraudulent application. XXXX XXXX cancelled the fraudulent application and will contact XXXX XXXX and Equifax to remove the hard inquiry. XXXX XXXX advised me to follow up with a complaint to the credit bureau. XXXX XXXX also asked me to allow 3 business days for this complaint to be complete. And 60-90 days before the removal is seen of the hard inquiry. Any further help in this matter would be appreciated. Thank You.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It seems that my credit file with XXXX and Equifax has been compromised. Upon reviewing my records, I've noticed numerous entries that are not associated with me. As I am meticulous when it comes to research, I've discovered that, according to section 605b of the FCRA, the Credit Bureaus are legally obligated to remove these unauthorized inquiries, which have resulted from identity theft. These disputed inquiries are not part of my history. I've attached the necessary FTC Report and the bank 's records, as both parties necessitate them based on my further research. Kindly proceed to eliminate these inquiries. If there is a chance that these inquiries are legitimately mine, I will require all documentation bearing my signature. My research has indicated that you are required to verify these inquiries with 100 % accuracy to confirm their authenticity, correctness, completeness, and verifiability. Failure to provide any records and asserting that the inquiries are verified would compel me to pursue legal action. I do not tolerate games, and neither does my attorney. Therefore, I kindly request that you comply with the law to expedite the resolution of this matter : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-13
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: LEXISNEXIS (GA)

On several occasions I've been trying to resolve the issue with XXXX 's XXXX they have a phone number on file that does not belong to me or my business not in the past and not currently. I went through the dispute process that took over 90 days and they concluded that the information was verified and accurate. Even though I told them numerous occasions that the number does not belong to me or my business they claim it's verified. XXXX XXXX refuses to remove the phone number that does not belong to my business which causes me to get credit denied by banks because they can't verify my phone number that XXXX XXXX has as inaccurate information.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a consumer and natural person am a victim of identity theft. Transunion, XXXX, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Transunion, XXXX, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! Transunion, XXXX, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2022-10-23
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. (WI)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( XXXX. XXXX, XXXX, Balance {$560.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX, XXXX, Balance {$570.00}, Original Creditor Name XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$130.00}, Original Creditor Name XXXX XXXX XXXX XXXX ), XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$51.00}, Original Creditor Name XXXX XXXX XXXX XXXX ), XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$170.00}, Original Creditor Name XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX. XXXX, XXXX, XXXX {$1000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

XX/XX/2021 going to store, checked balance : {$1.00} remaining. Down from {$120.00} 2 days before. Checked transactions online. " XXXX '' for {$60.00}, plus another $ XXXX {$40.00} in " unsettled transactions, international transactions, '' and other, small fees. Direct Express rep stated " fraud is obvious. '' Closed account, ordered new card. Called SSA to receive paper check as of XX/XX/2021. Confirmed change two, consecutive days. Direct Express agent have lots of information, then said a " fraud package would be mailed out. '' Even if I don't fill out paperwork in package, rep assured me " case would be investigated still. '' Package received today ( XX/XX/XXXX, mailed XX/XX/XXXX ). 
The Problem : I CAN'T GET ANYONE TO ANSWER PHONE!!! The other portion of fraudulent charges, " not settled, '' are due to be investigated. Since card is cancelled, and Direct Express is stating ( at phone XXXX ) the new card was mailed on XX/XX/XXXX, need to access my records in the Fraud Department. XXXX hangs up as soon as I input my number. Can't get through to Direct Express. 
I figure the company is in trouble and things are going badly. Customers have to suffer the losses, and zero-oversight save for XXXX XXXX THREE, YEARS AGO! Something is very off here. What little communication Direct Express offered has dwindled to nothing. My stolen funds are likely a sure loss now ; I might get lucky and have {$60.00} refunded, but not expecting much from this, government-subsidized entity. 
It's as if SAA recipients, with limited everything, are being thrown under the bus -- and nobody cares. 
Please help -- please.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.