davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (NC)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion and XXXX are still reporting a bankruptcy that does not belong to me. XXXX has removed the inaccuracies and I sent a letters for both TransUnion and XXXX to follow suit. I also was told that it was verified with the court in which the bankruptcy was filed. I reached out to the court in XXXX sc and Got a written letter that they dont verify such items and the letters I was sent from both TransUnion and XXXX said it was verified through the courts. Now there is a big discrepancy.
Consumer complaint received 2020-04-13
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: Experian Information Solutions Inc. (MD)

I have contacted Experian, 4 different times by certified mail on accounts and inquiries that were not mine and asked for a investigation. I also ask for methods of verification and original documentation tying me to this debt which they never provided. One letter was sent XX/XX/XXXX, two on XX/XX/XXXX and one on XX/XX/XXXX. Experian sent two letters but not one dealt with the issue.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit XXXX TransUnion XXXX Account Number XXXX XXXX XXXX Original Lender XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Share Agency Name XXXX XXXX XXXX XXXX XXXX  Date Assigned XXXX XXXX, 2022 XXXX XXXX, 2022 XXXX XXXX, 2022 Original Balance {$360.00} {$360.00} {$360.00} Current Balance {$360.00} {$360.00} {$360.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

This was a wire transfer deposit initiated on XX/XX/2023, ( Bank of New York Mellon ) which has not been deposited into my bank account ( XXXX XXXX  ). It has been a month and this is too long. 

I called my bank to trace the transaction and they can not since, it is coming through another bank ( Mellon ) for the wire transfer, since this is an international transfer. I tried contacting Mellon Bank and they would not communicate with me since I do not have a direct account with them. 

It is obvious that the Mellon bank that the wire transfer is coming through is negligent and abusing their rights on holding my funds too long. They need to release my funds to my bank account as soon as possible. This has caused me a terrible hardship and a poor credit rating. 

This could also be considered Elder Abuse.
Consumer complaint received 2024-02-26
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. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-04
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. (OH)

On XX/XX/XXXX I checked my XXXX XXXX account and my score was lowered and the reason given was a credit inquiry from XXXX XXXX. I have never heard of this company. I then checked my TransUnion credit report and the number given was XXXX. This led to an automated message for me to call XXXX which was TransUnion itself. When I spoke to a representative they told me my claim was XXXX and that I needed to file a complaint with the FTC.
Consumer complaint received 2023-01-06
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 I would like to claim about below. 

I tried to withdraw {$500.00} from the XXXX Bank of America ATM with EDD card at XXXX o'clock on XX/XX/XXXX, but I immediately canceled the transaction and went to the next ATM because I needed {$100.00} bills, so I tried to withdraw {$700.00}. But I found it was over the daily limit. And then I checked the withdrawal history. I never get any cash and receipt. On the same day, I asked to the bank 's teller for help, the teller told me that EDD BOA customer service might my balance to be cleared tomorrow, and gave me the phone number. And the edd customer service staff said if I leave my phone number and email, they would call me but couldn't get in touch with anybody. 
I have called the Customer Service and Claim Department about six times, but nothing helps. There is no answer to the email also. 

Every times I waited more than 50 minutes, 1 hour 50 minutes, and 2 hours. but I was unable to connect to the claim department. So I couldn't connect and gave up the phone connection. 

When I contacted a staff he said the amount was large, so a rep could not fix the problem. Actually It's a great big amount for me, so I'm emailing regarding the situation to solve. 

Another banker said I should go back to the bank for help. So, I went to the bank early in the morning and talked about the situation again. A baker tell me the ATM ID and phone number and then I call the BOA ATM department for assistance. So I tried to connect to Edd Department again. Customer service gave me a number of claim departmenr XXXX. But I could not connected to anybody for over 1 weeks. 

I dont want to ask for help me and to repeat the same story any more. This is is a really difficult story.I can't find money at that time. There were people lined up at the ATM machine. If the money came out, someone find this cash. 

Please accept this claim for my missing balances and let me know regarding a result. 

Warm Regards,
Consumer complaint received 2020-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've had XXXX Credit Card for awhile, at some point I was unable to make payments and account got charged off. Last XXXX ( Friday XXXX, 2019 ) I've called the XXXX and offered to pay up my charge off. They agreed and took the payment. After they did it they reported my account as " Written off '' instead Paid in full, I disputed this information pretty much with all major Credit Bureau, and Trans Union and XXXX did not update my account correctly.
Consumer complaint received 2022-11-05
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. (AR)

I am XXXX XXXX XXXX and have a credit history spanning 37+years. In XXXX of XXXX I wanted to purchase a home so I checked my 3 credit reports through XXXX XXXX XXXX. Equifax was one of those. In mid XXXX, the mortgage company checked the reports as well and all was fine. This week, the underwriters wanted one more look. But my Equifax credit report file was unavailable. I called Equifax and they told me that I DID NOT HAVE A CREDIT REPORT ON FILE WITH THEM!! I faxed in my social security card, my driver 's license, my address, previous address, date of birth, previous name, anything that would help. I spoke with 6 agents, one from fraud dept., and a supervisor. I have no Equifax credit file. Someone at Equifax deleted my information through fraud or incompetence. I need your help, please. There are the SAME people who caused the XXXX data breach. Please help me!!
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (AZ)

I opened an on-line savings account with PNC on XX/XX/2023. I transferred in funds from my XXXX bank account of {$1000.00} and from my XXXX Account for {$2000.00}. A total of {$3000.00} was eventually credited to this new savings account by XX/XX/XXXX. Then on XX/XX/XXXX my on-line statement showed a withdrawal of {$1000.00} I did not make this withdrawal nor did I authorize it. PNC says it was an ACH withdrawal by my XXXX bank and therefore not their problem. When I spoke with my XXXX bank they were quite adamant that no one can authorize a transfer of funds without the account holders permission. Furthermore they did not request this transfer of funds nor do they have any record of it and it certainly hasn't been put back into my XXXX account. PNC will not take any responsibility for what i am surmising is an accounting error of some type on their part. Instead they say that because it was labeled an ACH withdrawal they are not responsible. So essentially they have stolen, or lost, {$1000.00} of my money by dismissing this as XXXX Banks problem. Since XXXX bank did not request money from me nor have they any record of receiving these funds I am essentially stuck in limbo for getting my money back. This is outright fraud and theft on PNC 's part.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE NOT BEEN ABLE TO GET TRANS UNION, XXXX OR XXXX TO MAKE THE CORRECTIONS TO WRONG ADDRESSES AND NAMES ON MY CREDIT REPORT.
Consumer complaint received 2022-04-14
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. (TX)

15 U.S. Code 1681i A 1a 15 U.S. Code 1681i A 4 15 U.S. Code 1681e - b 15 U.S. Code 1681 - 1 15 U.S. Code 1681 - 2 15 U.S. Code 1681 - 4 On XX/XX/XXXX I disputed a negative item directly through Experian and XXXX that was furnished to my consumer reports by XXXX XXXX on behalf of my former employer/landlord XXXX XXXX XXXX XXXX Apartments on XX/XX/XXXX. 

In my dispute I provided proof that the debt did not exist and should have never been in hands of XXXX because XXXX actually owed me money even after this negative item was furnished to my consumer reports. 

On XX/XX/XXXX, This item was deemed as accurate and was simply updated. There is no way a proper investigation could have been done by either party because the whole account is inaccurate I showed that as an employee, my rent was deducted from my paychecks. My last date of employment was XX/XX/XXXX. I was scheduled to receive my final paycheck XX/XX/XXXX. On that date I received a check for {$0.00}. Even though I was owed money for my PTO. 

I was told they were holding onto my funds for the same alleged debt they assigned to Pro-collect. They sent my account to collections while still owing me money making the debt invalid. 

Upon discovering this Item I reached out to both lumacorp and pro collect to fix the matter and have it removed, and to get the money I was owed. 

On XX/XX/XXXX, XXXX sent me my final paycheck further proving I didn't owe them anything and this account should not exist and violating my rights in so many different ways.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ND)

I am a 100 % XXXX veteran. I applied and was awarded a XXXX discharge for my federal student loans. All three of the credit bureaus are reporting all of my federal student loans as " Payment status : Collections/chargeoff ''. I have disputed this information with the bureaus and they state they investigated it and I even supplied them with a copy of the XXXX discharge.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I was A victim of identity theft somebody still my SS Number and open a bunch of accounts under my name. I went to Police station and they took a report I ask them to investigate but they did not find the criminal I send the report to credit bureau and XXXX and XXXX deleted the Wrong information but equifax did not. 
Can you help with Equifax thanks
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights.

15 USC 1681 Section 602 states I ave the right to privacy.

15 usc 1681 Section 604 A section 2 state a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-16
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. (ND)

I am a 100 % XXXX veteran. I applied and was awarded a XXXX discharge for my federal student loans. All three of the credit bureaus are reporting all of my federal student loans as " Payment status : Collections/chargeoff ''. I have disputed this information with the bureaus and they state they investigated it and I even supplied them with a copy of the XXXX discharge.
Consumer complaint received 2020-06-16
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Law Office of Brett M. Borland, P.C. (NY)

Law office of brett m. borland has called me for a debt that i owe to XXXX XXXX XXXX XXXX. In the amount of XXXX and had threatened to garnish my wages for this debt
Consumer complaint received 2022-11-05
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. (MD)

XXXX XXXX # XXXX Inaccurate reporting showing different dates of last activity, also showing different dates of opening and last dates report on all XXXX major credit reporting agencies. 
account showing a past due amount of {$490.00}. 
why is this account being reported inaccurately. 
this is a violation of the FCRA section 15 use 1681 2 ( a ) ( 1 ) ( F ) and is also in violation of requisite METRO2 Compliance implemented with the XXXX enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report
Consumer complaint received 2022-04-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Lost job, unable to pay, had wreck that was was not my fault, car moved to company, outstanding balance to repair, i didnt have any money, amount on credit report XXXX credit acceptance.
Consumer complaint received 2022-11-05
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. (MD)

XXXX XXXX # XXXX Inaccurate reporting showing different dates of last activity, also showing different dates of opening and last dates report on all XXXX major credit reporting agencies. 
account showing a past due amount of {$490.00}. 
why is this account being reported inaccurately. 
this is a violation of the FCRA section 15 use 1681 2 ( a ) ( 1 ) ( F ) and is also in violation of requisite METRO2 Compliance implemented with the XXXX  enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report
Consumer complaint received 2023-01-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: National Credit Adjusters, LLC (IL)

I was living in California and predatory XXXX XXXX representative in the store applied for me the service. They declared it will sent to my account but I didnt see it. It was sent credit bureaus and I can not contact them for this issue because it sold to another company called National Credit Adjustment. Please remove this from my credit reports.
Consumer complaint received 2020-06-16
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: Experian Information Solutions Inc. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.