davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-27
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. (GA)

I am sending this 14th complaint to you. I am asking that these items I listed in this current complaint and in the complaint dated XX/XX/XXXX, will be removed within 15 days that when I update my credit reports these items will 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (NV)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-09
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)

In the month of XXXX I sent a letter to this agency announcing the errors it presents in my credit report negatively affecting my credit, so I kindly ask that this account be removed from my credit report.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Trans Union and XXXX via certified mail on XX/XX/2022 to initiate further investigation and removal into incorrect information/mis-reportings on my credit report. 


I had previously worked through the reporting institutions as well as a credit repair agency for help with this matter, to no avail ( yet ). 

They are reporting false and inconsistent informational and have given no basis of proof for why or how they are determining this. 

They have neglected to respond with any of my requested information, and are not properly verifying this information. 

Additional Notes : We are disputing a claim from XXXX XXXX put a charge-off on our account without notifying us ( a CfpB complaint was filed ) I will attach : my letter to Transunion my letter to XXXX a screen shot of the credit issue on my report so you can see the details and inconsistencies with dates, amounts and information.
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (VA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (AZ)

I called XXXX XXXX XXXX in XXXX XXXX. in XXXX regarding my debt. When i was seeking treatment at the facility in XXXX of XXXX i gave my XXXX XXXX XXXX insurance information and it was scanned into the system. In XXXX of XXXX i recieved a bill and i called the hospital billing department and was told they do not take my insurance. I then gave the representative my XXXX  Id. She told me she will file the claim with XXXX  and i will be notified by mail. Now on XXXX XXXX i got a call my account is in XXXX XXXX XXXX XXXX. I got absolutely no communication prior to my bill going in to collections i was not made aware mind you i was living at a completely different address than what was given to the hospital they claimed to send me mail i did not recieve nothing i even contacted my local post office and they are not aware of any mail coming from data system to my address. I the collections representative i recieve no communication prior to the XX/XX/XXXX. She did not care she told me not to lament on the past.
Consumer complaint received 2023-01-25
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)

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I found out my identity was stolen and somebody opened fraudulent accounts under name when I received a collection notice in the mail. I immediately contacted the credit bureaus and filed police reports. The XXXX fraudulent accounts are charge-off credit card account ( XXXX ) from XXXX XXXXXXXX XXXX in the amount of {$3000.00} and XXXX XXXX account in collection ( XXXX ) in the amount of {$2700.00}. Identity thief ruined my credit and destroyed my family 's future. I've asked credit bureaus to remove the fraudulent items off my credit reports, but they refused to do so. I don't know what else I can do to get the justice I deserve as one of the millions of American who fall victim to identity theft every year.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX Bank of America performed unauthorized hard inquiry, soft inquiry and opened a Checking and Savings account without my approval using fraudulent information provided by an identity thief. I am the victim of identity theft and am doing my best to move swiftly in order to keep my information safe. 

I received a debit card as well as welcome letter in the mail and went to a branch in XXXX PA to get them to close the unauthorized fraudulent accounts. I provided all my information along with identifications in person as requested and the Branch manager XXXX XXXX. XXXX XXXX confirmed that this is indeed a case of identity theft and fraud using my information unlawfully. This occurred on XX/XX/XXXX. 

The card was sent in a name used by the identity thief. I have reported this to the fraud department at BOA and the point of contact XXXX XXXX assigned to me by their " resolutions '' team has been less than helpful. 

I believe that my information has been compromised and that Bank of America did not take adequate steps to verify information before opening accounts ( savings and checking perhaps even credit ) using my personal information provided by a identity thief. 

On XX/XX/XXXX I sent the Bank of America Fraud department a signed Affidavit along with all requested papers in response to the " investigation '' they performed on my behalf. I have done everything in my power within the course of 5 days that has been asked of me.
Consumer complaint received 2023-07-18
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. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were days of late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. This is the account I want to correct and please assist me : XXXX XXXX XXXX : {$670.00}.
Consumer complaint received 2023-01-25
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'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to My consumer report. Please Remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer.

15 USC 1681 C-2 ( a ) You have 4 days from the date of this notice to comply with my demands as set forth in the context above. This will be my first and FINAL attempt to rescue this as I am prepared to litigate.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I believe my identity was stolen as part of the XXXX XXXX ( FL ) Elections Office security breach due to cyber criminal activity because I have received multiple letters from banks asking to supply personal information for credit for which I have not applied. 

On XX/XX/2023 I managed to speak to an actual person at Experian to update my information with them. However, there was an issue with their system, and they could neither set nor issue a security freeze PIN. They told me to call back. Today, XX/XX/2023 I can not get past their automated response. 

We all know that credit scores and credit bureaus are an institutionalized form of discrimination. They have only come into existence recently and they are bull but they have a strong lobby, and line politicians ' pockets and stay in power, and " relevant ''. However, since we have to deal with them, the least the CFPB can to do protect consumers, is to make sure that the credit bureaus have an easy way for people to get thru to a LIVING HUMAN BEING on more than one occasion, on consecutive days, in a way that's reasonable, and within a reasonable time frame ( 3 minutes or fewer ). 

Seriously, what if I didn't have a computer, or had a XXXX where I needed actual help and couldn't use the phone?
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It comes to my attention that your company has placed erroneous information on my credit file. I am lost for words on why your company would attempt to do something like this. It appears to me that your professionalism is by far professional in anyway. I have been in contact with your company for at least a year. I have never called to dispute any information on the phone. I have sent certified internal dispute letters and affidavits consistently. Never received nothing more than silence and the lack of reply during this time shows me the only way to attack this situation where I am accused of owing these debts that your company placed on my file as errors is to contact the FTC which I have filed a complaint, file a suit and a hearing is dated in XX/XX/2018. I have spoken to my lawyer and the best thing for me to do was allow him to continue dealing with your company until the hearing and court date. I have tried to find many ways to contact you by mail and online but I didnt receive any reply and its been a month. I am fed up and filed with anger. 
I have attached the errors on inquiries and accounts. Please take a look at the attachments. If you decide to contact me by email I will be forwarding all information to my lawyer from this point on.
Consumer complaint received 2022-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (AZ)

DISCOVER FINANCIAL SERVICES claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to do so by sending them letters through certified mail asking them to provide me with a VALIDATION OF DEBT as per federal law. I received no response from them the entire time. 

I sent them a CONDITIONAL ACCEPTANCE, in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I have attached all the letters I have sent as well as the domestic return receipts, proving that I have indeed exhausted all administrative remedies.
Consumer complaint received 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL (WA)

I filed 4 disputes with synchrony bank for my refund with XXXX. From what I understand the third dispute, Syncrony automatically denied it and wouldnt even consider going ahead with it. I finally contacted XXXX for a second time six months in the running and found out that they had did a manual refund six months earlier that didnt go through for some reason so today I received an email that the refund has finally gone through. I have no idea why synchrony bank could not accomplish this refund with XXXX  other than being totally incompetent. From what I understand synchrony bank is telling me that they have to report the re-disputes to the credit bureau. Well, I am reporting that synchrony bank is incompetent and there are disputes obviously because I managed to get my refund myself when I contacted XXXX for the second time six months later. I have three credit cards through synchrony bank and plan on closing all three of them. I no longer plan on doing business with synchrony bank whatsoever.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Issue : Fraud alert not removed by XXXX representative. Details : Spoke with XXXX ( Consumer Affairs ) on XX/XX/year>. Requested removal of fraud alert. Was told they couldn't remove it because of technical issues once again blocking me from access to credit. saying this is in litigation when the case has been settled is manipulation I will add proof.
Consumer complaint received 2023-07-12
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. (TX)

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-06-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (IA)

Via Western Union I transferred {$800.00} to a XXXX  recipient. Upon collection of the funds, the Western Union agent in XXXX ( XXXX XXXX ), retained a fee of {$31.00}. These fees were not disclosed in advance and the resulting shortfall will cause a second transfer with additional costs needing to be completed.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I have disputed numerous times with chexsystems that the inquires listed are fraudulent and I didnt authorize them. They keep saying some are accurate but yet when I ask for documentation they just say my dispute is frivolous. There are 7 inquires from XXXXXXXX XXXX XXXXXXXX XXXX. I only had ONE account with them years ago. It only takes one inquiry to open an account not 7! The other ones need to be removed. Also there are several others listed but the names and address listed under the inquires are not mine nor have I lived at the addresses provided! I feel like they are not taking this serious and discriminating against me.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Credit score on XX/XX/XXXX was XXXX - Credit Score on XX/XX/XXXX was XXXX. 
No reason given on why XXXX XXXX dropped XXXX points. This has hurt my ability to apply for credit. 
Credit report pulled on XX/XX/XXXX showed only 7 accounts opened -- NOW Credit report pulled on XX/XX/XXXX shows 20 accounts opened. Major error on Equifax. 
On XX/XX/XXXX - ( letter received by Equifax on XX/XX/XXXX - Cert # XXXX ) I requested 4 accounts to have " Derogatory '' removed as the accounts are either paid/transferred/payment in process. No Change on the disputed accounts per Confirmation report # XXXX received XX/XX/XXXX from Equifax.