davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Someone opened an bank account online on XX/XX/22 with my name and also used my name for a car online also I took went and are using my name also for payday loans I have been getting emails about it. I called Bank of America and they are in the process of closing the account now.
Consumer complaint received 2022-12-05
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. (MD)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  XXXX || Date of inquiry : XX/XX/2022
Consumer complaint received 2023-09-05
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. (FL)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2018-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

Each year I submit an IBR request to my student loan company, American Education Services. Each year, they tell me it is incomplete because my spouse has not put her federal student loan data into the application. Every year she does. Then they take out an huge payment before it gets fixed. Last year, I got someone involved to deal with the situation. They have done the same thing this year. However, this time, the didnt approve the IBR for the same reason. We were on top of it and got it taken care of. I called and verified it was taken care of. My payment was reduced from the prior year and it was debited out of my account as such. Then, this month, they tell me my IBR was not approved for the same reason. They debited several hundred dollars out of my account that was unexpected causing overdrafts and not being able to pay bills. They tell me I have to resubmit the application for a third time. Yet, they have already approved the IBR plan as evidenced by the changed debit amount from my account for the lost year. I fell they are taking advantage of student loan borrrowers by losing information and telling me I have not done my due diligence when I have. I have done more than what is necessary to ensure my IBR plan.

In XX/XX/XXXX, I received a letter to reapply, which I did. My spouse completed her portion. Then they told it was too early. I did it again. My spouse and I entered our PIN numbers in the student loan database so they could have access to it in XX/XX/XXXX. OnXX/XX/XXXX, they stated that they sent a letter denying the request. The payment was too high. I told them they didnt calculate my wifes student loan information. I called and they said they didnt have access to my wifes student loans amounts. On XX/XX/XXXX. They told me to get it in and to call back that they received it. My wife completed the information and onXX/XX/XXXX I calle back to verify. I was told everything was done and my payments would be {$240.00}. This month they debited {$770.00} out of my account and told me IBR wasnt approved. However, my payments the year prior were around {$260.00}. They have now told me they are going to expedite another IBR request to the processing department. They are going to request a refund, which will take up to 30 days. In the meantime, we have bills to pay and no money to pay them. Further, other bills are being automatically debited for which I will receive more overdraft fees.

It is worrisome that I go through this every year with them. My wife has an XXXX XXXX and I have a XXXX XXXX. We dont have problems with her student loan company, just AES ability to receive and process paperwork.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MA)

This is a report of illegal use of my Chase Bank issued visa credit card by a felon who lives in another state. The felon charged over {$1700.00} on a card where no other persons than myself are authorized to charge paying her bills and buying goods and services. This person also attempted to change the profile and successfully changed my email address so she could go undetected. I now have her identity because the bank replaced the cards with one bein in her name. Her name is XXXX XXXX, XXXX, lives in XXXX, PA and I have a report on her and a picture of her from a background search. This is the name on the card which I still have in my possession.
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (GA)

The company is using false and deceptive practices to furnish account information on my credit report without my expressed written consent. The company 's actions are a result of identity theft. 

I have never heard of the company, and I am not in any contractual agreement with the company. 

The companys actions have violated my consumer rights under federal law and have caused me personal injury. 

The company is civilly liable to me under the Fair Debt Collection Practices Act.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MI)

Called Comenity Bank for XXXX XXXX on XX/XX/2022 Made 2 requests : 1. Please post missing statements of XX/XX/2022, XX/XX/2022 and XX/XX/2022, they refused. We have a paperless account and let them know how important it is that we have immediate access to our past statements. I was denied request. 
Details on explaination of refusal below. 
2. We made a promotional purchase based on a 1.99 % for 36 month offer as a XXXX XXXX. Requested that they correct and give us credit for the over charges on interest, they refused. Details on explaination of refusal below. They are charging 4.99 % which is no where on their site as a valid offering. 
This account is in XXXX 's name and I ( XXXX ) am an authorized user with credit reporting under my name on this account. I called XXXX to request that they correct the missing ( 3 ) statements as well as the correcting to the offered 1.99 % interest rate from 4.99 % that we did not sign up for. Their response was that they could not speak to me regarding account information ; I did not request information. I was requesting them to make corrections that are required by law. I requested that they transfer me to a Manager who also refused to correct both issues ; as an authorized user who receives credit reporting under my SS # by comenity I have rights to requests mistakes be corrected. I did not ask for increased credit limit or changes to account, I requested that mistakes be corrected. They refused.
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (PA)

Unauthorized inquiries appearing on my credit report. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. 


Fruad accounts appearing on credit report.
Consumer complaint received 2022-11-03
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. (PA)

Unauthorized inquiries appearing on my credit report. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. 


Fruad accounts appearing on credit report.
Consumer complaint received 2022-11-03
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)

I have alot of error on my 3 credit report also identity theft and have been trying for a long time to remove them but the bureaus refuse to help me.things such asXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX # XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-05
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-11-03
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. (GA)

In early XXXX, I sent a letter to XXXX  requesting that they verify the validity of XXXX  XXXX Bankruptcies appearing on my credit report. Because Trans Union informed me that XXXX  was furnisher of public records ie XXXX 's. XXXX responded back with the results of their investigation. They determined that the Banruptcies were accurate because of paperwork they printed from XXXX. I had informed them that was inaccurate. Becuase I have never filed. I have been dealing with this for years. By them not doing the proper and detailed investigation because they are the ones furnishing this unverifiable information without my consent, it is defaming my character and harming financially, because again they are refusing to conduct a proper investigation. I was told to go the courthouse by them and get it corrected. First off XXXX court does not furnish information to credit furnishers and CRA 's, Secondly since they took the liberty to report inaccurate information, I think its their job to ensure accuracy prior to sending public record information to the credit bureaus.Since they claim to be a furnisher for FCRA purposes and deal directly to Trans Union. Under law my credit report should have the most accurate information possible. I also contacted XXXX and requested them to validate any XXXX  XXXX 's that be on my credit file. I was sent a letter from them dated XX/XX/2022 indicated that their investigaton was complete and it was determined that data being reported as unveriable and has been removed from their records. And confusing is they used the same method of verification as XXXX. I am willing to take further actions if XXXX  and Trans Union continues to not take my request seriously. 

I am enclosing letters from XXXX, XXXX, and XXXX XXXX court house
Consumer complaint received 2022-12-05
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. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-11-03
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. (SC)

A LEASE WAS EASTABLISHED WITH XXXX XXXX XXXX XXXX ON XX/XX/2019. THE LEAE WAS PAID IN FULL AND IS NOT NEGATIVE. EXPERIAN IS THE ONLY REPORTING AGENCY ACTIVELY REPORTING THE ACCOUNT.
Consumer complaint received 2022-11-03
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. (NY)

The account in reference is my account with XXXX XXXX XXXX XXXX XXXX. 

Issue XXXX : Debt is validated but being reported inaccurately Issue XXXX : Differing reported balances [ XXXX is showing {$1000.00}, XXXX is showing {$1000.00} ] Issue XXXX : Date of last payment is difference [ XXXX is showing XXXX XX/XX/2022, XXXX is showing XX/XX/2022, Transnion is showing XXXX XX/XX/2022 ] Issue XXXX : Account numbers all differ According to U.S. Code 1681i- if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX XXXXXXXX ). Because the high balance, date of last activity, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Consumer complaint received 2022-12-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

There are multiple credit card inquiries on my credit report some which were made when I wasn't even in the country. I contacted the credit card companies for whom which I told I don't recognize the inquiry made and that it was a violation to still have it on my credit report. I was told they were gon na mark it as fraudulent and within 30 days or more it will be removed. It has been months as I made these calls in XXXX and they are still there.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

My Equifax report is not showing and no scores or account is available. 
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

On XX/XX/XXXX, Thursday I was a victim of theft. My debit card was stolen and at least four unauthorized XXXX purchases were placed on my account. Once I realized these purchases were made I immediately called to cancel my card and also dispute the charges. Due to the charges being recent I had to wait until they were not pending which was yesterday and I disputed these charges with Chime banking. As of yesterday Chime denied my disputes due to reasons unknown by me. I then called XXXX to report these unauthorized charges in hopes to recoup my funds from them and they were also unable to assist me. I have never in my entire life bought anything from XXXX nor do I even have an XXXX account. This issue is very disheartening to me because as an educator it is hard times and I work really hard to earn my money. I am reporting this issue to CFPB because this is my last recourse and hope that this could be a third party entity to help me receive assistance in fixing this issue.
Consumer complaint received 2022-12-05
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. (GA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$420.00}
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.