davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
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. (GA)

Please remove the items, that do not belong to me and these unknown accounts are not mine. Thank you for understanding and I hope you will investigate identity theft in my case. My personal information was used and abused as a result.
Consumer complaint received 2023-08-06
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. (SC)

I, XXXX XXXX, am submitting this complaint in light of the negligent actions of the credit bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. 
In XXXX my personal and financial information was exposed as part of the widely-publicized Equifax data breach. Like many other unsuspecting Americans, I entrusted Equifax with my private data, believing that they would safeguard it diligently. This exposure left me vulnerable, a fact I became painfully aware of when I began to notice suspicious entries on my credit report. 
In my efforts to address these concerns, I sought the help of a credit repair agency. Tragically, this endeavor only deepened my troubles. Unbeknownst to me at the time of engagement, this agency was a fraudulent entity, aiming to exploit individuals like myself. As a result, they not only failed to repair my credit but utilized my already compromised information to open several unauthorized accounts, exacerbating the damage to my credit standing. 
I have made numerous attempts to have these fraudulent accounts removed. 
Despite taking these necessary actions, the response from the credit bureaus has been disheartening. They have either dismissed my claims or provided only generic responses that do not address the core issue. 
The emotional and financial strain this situation has placed upon me is immeasurable. Not only am I constantly anxious about further financial violations, but my ability to undertake basic financial activities, such as securing loans or applying for housing, has been severely compromised. 
The lack of accountability and urgency from the credit bureaus in correcting their records stands in stark contrast to the trust consumers are expected to place in them. I, and many others, depend on these agencies to maintain an accurate reflection of our financial history. Their current approach not only damages individual lives but also undermines the very essence of trust in our financial system. 
I hope the CFPB will recognize the severity of my predicament and take swift action. It's essential not just for my peace of mind but for the larger message it sends about the importance of consumer rights and the responsibilities of credit reporting agencies. I am hopeful that with the intervention of the CFPB, I can finally find a resolution and move forward.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Recently, On my XXXX  report, I disputed the two XXXX XXXX XXXX trade lines.The two closed  account have separate account numbers.I disputed both closed accounts for incorrect information and requested both be deleted from my XXXX report.On XX/XX/2020, I recieved the results from the dispute from XXXX  and both XXXX XXXX  trade lines was deleted as I requested.The Two XXXX  XXXX XXXX  trade lines on my Transunion report are showing closed and Im requesting the two trade lines be Deleted .Therefore, Im requesting the two XXXX XXXX XXXX trade lines/accounts be deleted/removed from my Transunion report
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I confirm that the presence of incorrectly reported late payment remarks on my accounts violates 15 USC 1666. Every payment associated with these accounts has been made promptly, and any deviation from this accurate reporting is unjust and unlawful.
Consumer complaint received 2023-03-09
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. (NM)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NM XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MT)

During Covid, my husband and I elected to proceed with a payment deferral on our mortgage. XX/XX/XXXX, We received and signed paperwork to restart payments in XX/XX/XXXX. We resumed payments as we agreed in XX/XX/XXXX, today there is over {$10000.00} in a funds held account that Have not been applied to our mortgage despite my near weekly calls since XXXX. I received a multitude of responses such as the payment deferral is being processed or after three or four more payments the payment will be applied appropriately. We were assigned a home preservation specialist. I have sent him numerous emails with only one return phone call back. To date, over 90 days after my initial call and over five months after I returned the paperwork, no updates have been made to my account.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Larry H. Miller Group of Companies (AL)

these people ran my credit and added to my credit without me signing any documents, I don't know half of the people that's on here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: V and H Portfolio (TX)

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 


Account name and XXXX DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and Number XXXX XXXX education, XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

On XX/XX/year> I sent certified letters to all 3 credit bureaus demanding they remove all collections from my credit report because XXXX XXXX XXXX along with their partner company Resurgent financial are NOT LEGALLY licensed to collect debt in the state of Alabama and when requested could not provide proof of purchase nor the purchase agreement as well as not being able to provide the terms of the purchase agreement.
Consumer complaint received 2023-03-09
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX WY XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

My daughter was billed for services XXXX XXXX XXXX XXXX XXXX called and the insurance company covered. Then I recieved collections from the hudson valley XXXX XXXX in my daughters name and a seperste communication in my name for the same medical bill that was paid already. 

I told them to cease communication and the bill is invalid. 

I verified with the hospital that no bill is due. 

They are disrespectful and feel.like they can't be held accountable for their actions. 

They have illegal.practices amd cause undue stress to families.
Consumer complaint received 2020-12-28
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: Experian Information Solutions Inc. (MO)

I disputed innacurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$4900.00} XXXX XXXX  XXXX Balance : {$30000.00XXXX XXXX XXXXXXXX Balance : {$61000.00}
Consumer complaint received 2021-03-16
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)

All three provide useless telephone contact. To try and get into their reporting via any site they provide a lark, a joke a facade. They do not work. Frankly in my opinion by design!!!!!
Consumer complaint received 2024-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections (UT)

I contacted Bonneville Collections on XX/XX/2024. I spoke with a very rude man. Who was pushy and brought up debts that are not mine but my ex husbands. Who I have not been married to in almost XXXX  years. I explained to him that I was not even aware of this account until I looked at my credit report. The account comes from a hospital visit. I had a XXXX XXXX done and was in very horrible shape after being XXXX XXXX The hospital was given my insurance information and charged the insurance for everything except the physicians fees. I have never received anything in the mail about this debt. I have even done a address forwarding paper through my local post office. Now that this is very old, I am not sure the insurance will pay this. So I asked if they were even able to offer a less payment. The guy said well how much can you pay. I said I am not sure I don't make a lot of money. He proceeded to tell me how he could not give me an amount until I told him XXXX. That is ridiculous. I have talked to many other debt collectors. This guy was by far the rudest I have ever come across. It is illegal to bring up debts owed by someone you have been divorced from for almost a XXXX. He also brought up debts from a previous bankruptcy I had taken out. Which is very illegal as well.
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check sent by a client for XXXX XXXX The check was a deposit XXXX XXXX XXXX XXXX XXXX for the XXXX of XX/XX/2023. The check was of XXXX $ and after I deposited the check the bank put a hold on my account.I call chase and they decide to cancel my my business account with them. They said that the check was fraud. That the check was also deposited already prior to the date I deposited it.
Consumer complaint received 2021-03-16
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: Experian Information Solutions Inc. (FL)

All three provide useless telephone contact. To try and get into their reporting via any site they provide a lark, a joke a facade. They do not work. Frankly in my opinion by design!!!!!
Consumer complaint received 2023-05-27
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)

I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and that another bureau has found to be inaccurate. You have 30 days to CORRECT the accounts listed below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

XXXX XXXX  to previous agreement began to charge monthly account management fees every month starting XX/XX/XXXX until and including XXXX XXXX i complained to the bank XX/XX/XXXX by phone when i discovered the charges and it PARTIALLY refunded the fees, but still has not refunded {$180.00}, which they still owe.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

You are reporting inaccurate information about this item on my credit report. Under FCRA I request you close all current and previous investigations regarding this item as well as remove all dispute comments associated with this item.
Consumer complaint received 2023-05-19
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. (NC)

i was the victim of identity theft. i got an alert from experian that someone used my ssn to open up a bank account with a bank. regional finance and national finance companies ran my credit without my authorization. for all i know there could be new accounts with them on my credit reports
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (GA)

I disputed this item on my report it was removed a few months later it returned without warning. The law states that before adding an account back on your credit report that was removed the the reporting company has to give you a warning XXXX days before adding it back I did not receive no warning. Also I sent it documentation several times explaining this which they claim to have not received l. I want this account removed immediately!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/2024, I received a XXXX XXXX alert regarding a hard inquiry on my credit. The notification indicates that the inquiry was conducted by Capital One. The following company contact information was also provided ; XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I contacted Capital One and was informed that there was no application under my name or social security and to report the inquiry to the credit bureau.