davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (CA)

This is my XXXX endeavor to tell you 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX  XXXX XXXX XXXX Balance : {$3900.00} XXXX  XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2019-10-10
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. (RI)

I pulled my credit before I went to the dealership and notice some accounts that were not mine on my credit report and some inquiries.I attached another report of the problems i'm having with my report with the collections accounts. The inquiries are transunion 1.  XX/XX/XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX   XXXX 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX   XXXX
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

credit bureaus do not validate or verify any information with the court system, this has been verified by every Federal Court, and because of this, i want my Bankruptcy XXXX removed from all XXXX credit bureaus, as i have spoken with all XXXX credit bureaus, and they respond with the statement " we have validated this Public Record with the courts '' That is a Lie. They Have not Validated Anything according to every Federal Court queried. thank you
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

I paid my TD Bank XXXX card from my XXXX XXXX Checking account via an electronic check on XX/XX/20 BILL PAY TD BANK NA ON-LINE for {$790.00}. The amount was deducted from my checking account that day. Two weeks later I received a past due notice and contacted TD Bank by phone. They indicated they never received it. I contacted XXXX XXXX said it was accepted by TD Bank. It was determined after three weeks of phone calls that the credit card number reference number to pay the account did not match my credit card number. So XXXX XXXX on a three-way conference call with TD Bank and myself gave TD Bank the information to locate the payment. After that I received a letter from TD Bank asking for a copy of the check. I called them again and told them it was an electronic check from a bank. Unbelievable ... Since then I have been on 9 more calls to TD Bank and XXXX XXXX plus two more three-way calls where XXXX XXXX provided the payment information to TD Bank by FAX while we were on the call. Today I was contacted by a credit collector from TD Bank for non-payment after I explained my story AGAIN the TD representative asked if I could hold. I said yes and after waiting about 20 minutes I was disconnected and no one bothered to call me back. The rep said her name was XXXX or XXXX XXXX. I am a new TD Bank customer and they have been a nightmare to deal with and every time I call and have to recant my story then they tell me they never received the information from XXXX XXXX. What incompetence. The {$790.00} was deducted from my account on XX/XX/20 for a bill due on XX/XX/20 and I am still being harassed by TD Bank for payment they received four months ago. They actually owe me money back as I over-payed. I can't deal with this anymore. Please contact my son XXXX XXXX. He has durable power of attorney over my finances and he will be handling this matter moving forward. Thank you.
Consumer complaint received 2023-06-26
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-18
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. (MS)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 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.
Consumer complaint received 2022-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

My XXXX daughter received a cryptic letter from Experian ( reference attached document, Experian Letter 1 ) dated XX/XX/2022, notifying her a " ... reinvestigation of the dispute ( s ) and/or other request ( s ) [ she ] recently submitted is now complete ... '' The letter went on to provide a lot of impersonalized instructions and other fine print, but the only explanation about the outcome of the " reinvestigation '' was the single word description : " Updated. '' Nobody claiming to represent my daughter, to my knowledge, has ever had any communication with Experian regarding a credit report dispute or similar type of action. No one in this household has had any communication with Experian on her behalf whatsoever, except to request a freeze on her credit shortly after she received her social security number, which was about four years ago. 

Experian provides absolutely no tools whatsoever for a person to receive immediate answers to questions about matters involving minors. They don't have anyone answering the phone except automated voices giving irrelevant messages. Their online access provides no resources for submitting an email or any similar communication for this type of issue. The only possible way for me to get more information was to reply with a physical letter in the mail, with enclosed copies of every possible sensitive identifying document associated with the minor in question. 

I sent Experian a letter of reply, along with all of the supporting documentation, which included a copy of their original correspondence. In my letter, I asked for an explanation for what led to their sending us this letter in the first place, and I also asked for a plain-speaking description of the " re-investigation '' they conducted and what was the " update? '' Their next reply by mail ( reference attached document, Experian Letter 2 ) contained no explanations for the above questions. It was another impersonal work of automation, suggesting " No further action is necessary, '' as if that is a sufficient response for me to feel like this baffling situation is resolved. Their letter also said their " database does not contain credit information about the minor child. '' This seems to be a direct contradiction of what was said in their first letter, but there is no acknowledgment of that contradiction, and no acknowledgment of the questions I went through great effort to ask, which required collecting and mailing copies of identity documents.
Consumer complaint received 2023-05-26
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. (IL)

My name is 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.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (AE)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-11-18
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)

This is the 3rd request as Transunion is blatantly ignoring to remove these accounts directly related to Identity Theft after I repeatedly provide official FTC Identity Theft affadavits for all listed accounts. 

On XXXX I contacted Transunion and mailed numerous documents regarding me being a victim of Identity Theft and certain info that needs to be blocked and removed as a direct result of Identity Theft as shown in my credit report file XXXX XXXXXXXX. XXXX and XXXX complied, yet Transunion declined my request to block inaccurate info due to Identity Theft. With my request, I included the multiple FTC Reports that listed the specific accounts compromised, a detailed list of inaccurate info that should be blocked and removed immediately, a copy of FCRA 605 ( b ), and proof of identity documents such as my drivers license and SS card. Transunion sent me a letter dated XXXX refusing to honor such a request. Transunion never opened any investigation into these items whatsoever to even determine the validity. If they had, then they would have quickly seen I was a victim of Identity Theft and determined such accounts listed to be blocked and removed from reporting as they are the direct result of Identity Theft. 

I have always had so much trouble with Transunion as they pick and choose what laws to follow and when to open/close investigations if even done properly or at all.
Consumer complaint received 2021-01-13
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I WROTE IN A DISPUTE TO UP DATE MY FILE XX/XX/2020 DUE TO LATE PAYMENT I WAS UNAWARE I ASK THEM TO REMOVE IT THEY SRNT NO PROOF OF IT AND REFUSE TO REMOVE LATE PAYMENT ....
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account XXXX : XXXX
Consumer complaint received 2022-11-18
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)

I recently ordered a credit monitoring package that helps take unauthorized inquiries off my credit report, In addition to that, the report on this site, is inaccurate. 

First off there are excessive inquires that I did not authorize but are on my recent credit report. 

Creditor Name Type of Business Date of inquiry Credit Bureau XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX  Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX  Commercial Banks XX/XX/XXXX TransUnion XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX XXXXXXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  All Banks XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Personal Loan Companies XX/XX/XXXXXXXX XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion I do not recognize any of these shops except XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The rest of this companies I do not recognize and did not give written, or oral consent to inquire and share it with reporting agencies.
Consumer complaint received 2021-01-12
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: EQUIFAX, INC. (NY)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! I am very disappointed! I want it removed right away.
Consumer complaint received 2021-01-12
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: Innovate Managed Holdings, LLC (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (VA)

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 2022-11-18
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. (VA)

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 2022-11-18
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. (HI)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My account was closed around XX/XX/XXXX according to what Bank of America told me, but it wasnt closed it was frozen for about a month and every time I called they will tell me that my account is closing and my money is frozen. So now my account has been locked since they and was closed XX/XX/XXXX I am finally waiting for my check to be mailed for my remaining balance and now they tell me that my remains funds are in the back office under review. Its been around 3 months since I was able to log into my account and they are holding my money.