davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX Bank of America closed my account due to it being overdrawn for {$520.00} they reported me to XXXX and I am unable to open a banking account with any financial firm. The debt was paid in full on XX/XX/XXXX. I have contacted Bank of America multiple times most recently on XX/XX/XXXX and have requested that I be removed from XXXX to allow me to open a banking account and they have been unhelpful. 

At this time I am requesting assistance in the removal of this report to allow me to open an account with any financial institution. 

I have just submitted my LLC filling in my state of residence and will require banking services for my business and for payroll processing. 

At this time if Bank of America remains unwilling and unresponsive then I request their formal mailing address to file suit against them as they have been unwilling to resolve this matter amicably. 

Thank you for your time and consideration.
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect 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 an alleged fraud or extortion. 

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
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MS)

I tried to get my three free annual credit reports and files today several times ( XXXX XXXX ) on annualcreditreport.com and was denied to receive them. I need them sent to the address I have on file at CFPB website immediately.
Consumer complaint received 2023-03-23
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)

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 ) requirethe credit bureaus to confirm these items. 

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 XX/XX/XXXX
Consumer complaint received 2024-03-30
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. (IL)

An account with XXXX XXXX XXXX reportedly charged off my consumer report with TransUnion on XX/XX/21. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. I am demanding a deletion of this account.
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (SC)

I notice that i never acquired to get credit with these company 's theses inquires were not authorized by me it was an attempt to commit fraud. 


5inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2022-11-30
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. (PA)

XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KS)

I called XXXX for addresses that did not belong to me. They mailed a whole report to a incorrect spelling of my name. Several names that were incorrect. One company has 3 different account numbers that do not belong to me. One company has 9 different account numbers that do not belong to me.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX I have some issues with inaccurate date showing that doesn't belong on my report. My correct spelling and name is XXXX XXXX XXXX please remove any other version of my Legal name. It is causing issue with another XXXX in my city. Please delete the following address XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYMENT IS I AM THE OWNER OF XXXX XXXX XXXX. 
There is a XXXX XXXX this account was never verified please delete, XXXX XXXX XXXX   LATE PAYMENT THIS IS A ERROR PLEASE DELETE. XXXX XXXX  account that should be deleted that account was never late and had been settled already error please delete.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To begin with, XXXX and TransUnion is still giving me a hard time in regards to them not allowing for me to dispute my average credit score at all. Last year I tried to dispute my Average Credit Score with XXXX and TransUnion without the desired results. Despite the fact that I have a debt free credit report, XXXX and TransUnion is still punishing me for it by keeping my score Average and not bumping it up to Excellent. Overall, they need to allow for average and bad credit scores to be disputed and to allow for everyone to communicate with them more easily.
Consumer complaint received 2024-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

-TransUnion Remove and delete Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I XXXX have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
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: Affirm Holdings, Inc (IN)

I received mail from Affirm in XX/XX/XXXX for XXXX collection accounts from XX/XX/XXXX. I called the company and disputed the charges because I have never had an account with Affirm. They said they would look into it and get back with me, they also sent me a letter stating the same. I did not hear from them again. 

The three collection accounts then showed up on my XXXX credit report. I disputed them individually on XXXX on XX/XX/XXXX and the company notified XXXX they belong to me ( they are not mine ). I disputed them again on XXXX, said they are not mine and asked them to provide proof. They again told XXXX they are mine and did NOT provide proof. 

I called Affirm again and disputed the accounts. I was told they would research and call me back within XXXX days. Ive not heard anything from by phone or mail. 

These accounts are still showing on my XXXX report. I want them removed from my credit report and I also want Affirm to remove these XXXX debts from me because they are not mine.
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

checking my credit report I am interested in disputing all incorrect information on my credit with transunion. all data is supposed to be 100 % accurate an is hindering my file for approvals. please update all information requested.
Consumer complaint received 2022-09-09
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. (NJ)

This is the second time filing a complaint - as my first request has gone unanswered. I have asked the bureaus to supply information- in writing- so that I can review the investigation results. These accounts do not belong to me- and I have made that very clear. 

As of XX/XX/2022 - I have not even received my original request for investigation even though it shows in your system otherwise. 

Please investigate this, before I escalate to the Attorney General 's office. Thank you.
Consumer complaint received 2023-12-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (PA)

I was misled about what my minimum payment would be. I met with a XXXX XXXX before starting college in XXXX, so it was not my own mistake. Discover was found guilty in a lawsuit for misleading borrowers about their minimum payments, but I never recieved any sort of compensation. Now they offer no options to adjust based on income or other flexible options. Other companies even offer the ability to remove a cosigner, but they have no release. I'm making $ XXXX per year and my student loans are crippling. I pay nearly {$1000.00} to discover every month, and have been doing so for 5 years, and yet my total balance due has only changed by about {$3000.00}. My rates have increased drastically with no payment options. Because they offer so little options, they've destroyed my credit, leaving me with no alternative options other than to continue with their horrible plan. If not for this, I could have refinanced to an institution with better options. I've looked into assistance programs and all of them state that because Discover is over 70 % of my debt, since I don't really have other debt, there's nothing they can do for me.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX an account with XXXX XXXX was open with a total amount XXXX dollars in which I didnt recognize but during this time actually from XXXX to XXXX I was going through fraud and identity theft issues with my personal bank and credit cards many card were canceled and re issued
Consumer complaint received 2023-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (SC)

I noticed a big drop in my credit score on XX/XX/XXXX, and found out it was due to an account that was resolved with a previous collection agency. The new debt collector which I have disputed with all credit bureaus last week is LJ Ross Collection Agency. They are saying I owe a past XXXX ( electric company in XXXX ) bill of {$2500.00}. That is entirely false, as I do not owe anything. When this was in previous collection a few years ago, the case was resolved, as XXXX did not find any bills in the past 10 years for me, except a few months in XXXX, which I paid ( {$60.00} per month ). 

I have no idea why they are trying to collect again, especially since after I called XXXX , they couldn't even find any bill. 

When I called LJ Ross last week, they said my only choice is pay it, and I'm not going to pay for anything I do not owe and has previously been resolved.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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, I reviewed my credit report to verify my credit information about my most recent claims to update the accounts that were reported late. Back in XXXX, I sent a letters to XXXX, XXXX, Transunion asking them to investigate these accounts listed below : -XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX On XX/XX/XXXX XXXX I sent certified mail letters requesting they re-investigate these accounts. I received their results saying everything is complete and accurate. I looked at my report and saw nothing had changed. 

As required by 15 USC 1681 subsection ( I ), they are supposed to update, modify, or delete these accounts, and as required by 15 USC 1681 E B, they must ensure maximum accuracy. When a person knows or has reasonable grounds to believe that the information about a consumer is inaccurate, they shall not furnish that information to a consumer reported agency.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Under 15 USC 1681 subsection ( g ), credit agencies are required to obtain and verify information from reliable sources when updating consumer accounts. While the specific instructions given are not in line with legal requirements, credit agencies must ensure the accuracy of information through methods such as reviewing public records, conducting their own investigations, and receiving written instructions from consumers if necessary.

Providing written instructions to credit agencies is crucial because it ensures clear and accurate information is recorded.It ensures that the credit agencies understand the exact accounts and information that needs to be updated or deleted, and it provides them with written documentation that can be used to verify that the instructions were given accurately.Written instructions also provide a record that can be used for future inquiries or disputes, ensuring that the consumer 's request is correctly processed.

They lied on an official document by saying they reinvestigated, but they did not. The three credit agencies failed to reinvestigate the accounts listed above.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (TX)

Payment for the credit card was sent via bank pill pay on XX/XX/2023, for payment due XX/XX/2023. After checking account, they charged a late fee on XX/XX/2023, but processed the payment on the following day. Contact was made to First Progress on the following dates : XX/XX/2023 ( no response ), XX/XX/2023 ( spoke to representative about a late payment fee that was put into my account. Another in which had been applied, totally {$60.00}. I requested that both be excused due to late processing from them and perfect payment history. ) XX/XX/2023, I received a letter stating that they could not process my request at the time. 
I called again XX/XX/2023, and spoke with XXXX. He suggested that I write a letter and fax it to correspondence, in which it stated all personal grievances. The fax was sent the same day. There was no response to fax. 
Contact was made again on XX/XX/2023. The representative said the matter had not been reviewed and I needed to further wait. The representative also suggested that I send another fax requesting a Goodwill Deletion for the late remarks and a credit for fees. The fax was sent again. 
There was no response for the next following weeks. I called again on XX/XX/2023. The representative said that there were no updates on the account. She suggested that I just pay the late fees, in which I declined. I requested for someone to contact me. 
No letters were received by me nor was there any calls. 
I called again on XX/XX/2023. By this time the account had reached {$110.00} in late fees and had been reported to the credit bureaus as a delinquent account. The represented suggested that I pay the fees and that they might reimburse me after a solution has been made. I declined once again, due to the uncertainty that a solution will be made as well as the possibility of being reimbursed. He suggested that I send another fax to request a Goodwill Deletion for the reports to my profile as well as state my complaints. I sent the fax XX/XX/2023.