davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (TX)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove them from my personal credit file. These are the following items : XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX R XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX Ct, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00} ; XXXXXXXX XXXX XXXXXX/XX/2023.
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: EQUIFAX, INC. (IL)

Over the last 1.5 years I have sent multiple certified letters to XXXX, Equifax, and XXXX requesting that they validate the inaccurate derogatory accounts on my account. However, every time the credit bureaus responded the accounts were validated, but the information listed on my credit report is inaccurate. This has caused me a great deal of stress and money. 

According to the Fair Credit Reporting Act ( FCRA ), 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 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I have reported to the three credit bureaus inconsistencies ' on my reports and noone replies. My ex was in charge of some of the debts on my credit and they will not remove : XXXX XXXX XXXX - was given to my ex to be responsible for in the divorce XXXX XXXX - I did NOT settle or get my car impounded so I am unsure why they are saying I owe XXXX? 
Why does XXXX show " two '' accounts? 
XXXX XXXX - XXXX Last updated XX/XX/2022- this was paid! 
XXXX - XXXX Last updated XX/XX/2022 - what activity happened in XXXX? I don't have XXXX???
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I needed deleted are listed in the report attached. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted immediately to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-16
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (GA)

My account was locked because I changed my phone number. Verified all my information send over all documents chime. They stated I dont follow the deposit guidelines when only thing goes Into the account is my child support and paycheck every week i provide all documents required of me they are holding my funds and closed my account for no reason
Consumer complaint received 2021-03-12
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. (CA)

EXPERIAN CUSTOMER SERVICE WOULD NOT TAKE CARE OF NEGATIVE INQUIRIES REPORTING ON MY CREDIT REPORT. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX I had made a dispute XXXX of XXXX For a debit charge from XXXX XXXX XXXXXXXX I was denied I had then re submit and after a year I receive a letter XXXX stating I was awarded in my favor of the XXXX disputes grand total {$1400.00} I had file a dispute before for around for {$400.00} I was awarded that now the XXXX dispute is now saying I was awarded in the letter I received from bank of America and that amount is for {$1000.00} something sorry I can't get into my account to see the exact amount now I never once seen that money in my account And here is what bank of America said when I called in XXXX I believe there was a charge for {$910.00}. I never made a dispute doesn't understand at the time on this charge for the {$910.00} came from bit it was also credit right back to my account that's a wash my bank of America account was at a {$0.00} balance when that {$910.00} was taken but credit right back so that would be {$0.00} XX/XX/XXXX the letter that says I was awarded the XXXX dispute of {$1000.00} something when I called and asked about this letter bank of America said the {$910.00} plus we also gave you {$88.00} fake the difference How could bank of America you the transaction I never asked for a dispute on different days and month in total different cities and county 's It use that amount in saying they paid me and I'm awarded I then ask show me jn my account where u see that about ever given to me I get it you say its the {$910.00} read it and it says nothing on a of the same are not the amount I asked for So over a year I never seen what bank of American says they awarded me back please leg me know I'm trying to give you the details but I hope this made sense thank you in advance
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

A rental company fortunately charge my card for over {$5000.00} in which my balance was {$2500.00} limit and I was only supposed to be to charge {$1200.00} and they took everything out of my savings account and deposit of other checks
Consumer complaint received 2022-10-17
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)

Went to apply for a loan and their were 4 hard inquiries on the credit report that I don't recognize or authorize as the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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. (IN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX 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 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors Specialty Service Inc (CA)

Creditors Specialty Svc of NV inc informed me that a car I owned was towed after I sold it, I told them I had sold it and they asked for proof so I called DMV and the representative told me that the towing company contacted the DMV to see who the past owners were and they also told me this type of thing happens all the time that they try to collect from any one who use to own the vehicle, they sent me documents that show that I indeed completed the release of liability. I called the collection company and told them the name of the person we sold the vehicle to but we still are receiving threats from the collection company and its been over 3 years since I received the first collection notice.
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. (DE)

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX account number ... 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. Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-04-01
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. (AL)

NO PROOF OF INVESTIGATION ON XX/XX/2024 TRANSUNION RESPONSE WAS VERIFIED FOR ACCOUNTS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES.

ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT.

15usc 6801 Protection of Non- Public Information.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.

2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.

3. The financial institution giving me an explanation how to exercise the non-disclosure options.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.

AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT.

THE ACDV AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION.

THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.

HOW WAS THE INVESTIGATION CONDUCTED?

PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-05
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
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: Experian Information Solutions 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}, Experian is showing {$1000.00} ] Issue XXXX : Date of last payment is difference [ XXXX is showing XXXX XX/XX/2022, Experian is showing XX/XX/2022, XXXX 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 2021-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I applied for an apartment but then withdrew my application. My credit was run without my authorization and now National Credit System is trying to collect from me. The debt was never validated and I never received any notice about the debt. The debt is now listed on my credit report with the bureaus. I want the debt removed, as there was no authorization to run my credit or incur charges.
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: EQUIFAX, INC. (NY)

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

Issue 1 : Debt is validated but being reported inaccurately Issue 2 : Differing reported balances [ Equifax is showing {$1000.00}, XXXX is showing {$1000.00} ] Issue 3 : Date of last payment is difference [ Equifax is showing XXXX XX/XX/2022, XXXX is showing XX/XX/2022, XXXX is showing XXXX XX/XX/2022 ] Issue 4 : 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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

On XX/XX/XXXX, I requested a refund of {$8300.00} from Aidvantage, my current loan servicer who took over for XXXX, for payments made to the former loan servicer during XXXX COVID Pandemic from XXXX. I did not receive the correct refund. The amounts that they have recorded and refunded are incorrect and significantly lower than what I paid to them ( please reference the withdrawals/payments made from my bank account to XXXX in XXXX ). I spoke with representatives from Aidvantage multiple times and continue to receive falsified/innacurate information of amounts paid to them. When I correct the representative they somehow find the correct amount in their records from some back door. I have evidence in forms or documentation of amounts paid including bank statements and phone calls with them including case numbers from conversations weve had on this matter. On XX/XX/XXXX, I was refunded {$3500.00} less than what was owed to me. They continue to delay the refund and conversations to make this process as uncomfortable and time draining as possible to discourage the pursuit of this endeavor. I followed up with Aidvantage every 2 weeks about the progress of my refund, to verify the amount and to ensure they have all the correct information. I did this because of my poor experience with the first Aidvantage representative who continued to give me falsified/incorrect information. Aidvantage has records of these conversations written down.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

Someone went to BrandsMart and open an account in my name on the XXXX of XX/XX/2022. I was alerted by receiving a letter in the mail on the XXXX of XXXX from Synchrony Bank that they required more information to verify my identify. I immediately call them at the XXXX to informed them that I did not request any credit product. They informed me that they will close out the application. I then went to check my credit report to see if there were anything about this account on my report. I found that there was a credit card on my report that I did not authorize from a creditor name XXXX with the account # XXXX. I immediately contacted this company at XXXX to informed them that I have not applied for any credit with them. They informed me that someone did apply and was approved for {$5000.00} credit limit which {$3200.00} was used to purchase items from BrandsMart. I informed them that I did not purchase anything from BrandsMart or authorized anyone to purchase anything in my name. They informed me to contact BrandsMart because that is where the application came from. I went to BrandsMart and spoke to XXXX XXXX XXXX the General Manager, and he informed me that it was nothing he could do and that I need a subpoena for him to discuss anything about the account with me. I immediately went to file a police report for fraud with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX After filing this report this report i then call XXXX again to informed them that I had filed a police report and that I will be seeking legal remedy if they don't remove this from there record and remove this account from my credit report. They informed me that they will mark it as a fraud account, and they will be contacting the three-credit bureau to remove it from my credit report and that I will be receiving a affidavit from them by mail within 5-7 days. I have not received anything from them or any removal from my credit report of this account. I do have the recording of the conversation.