davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
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. (TX)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
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. (AZ)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
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. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

US DEP ED XXXX {$9300.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$110000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$3100.00} DEPTEDXXXX   XXXX {$7100.00} XXXX  XXXX XXXX    XXXX {$1600.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$420.00} XXXX  XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX  XXXX   XXXX {$3100.00} XXXX/XXXX  XXXX {$500.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$3500.00}
Consumer complaint received 2020-04-01
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

US DEP ED XXXX {$9300.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$110000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$3100.00} DEPTEDXXXX   XXXX {$7100.00} XXXX  XXXX XXXX    XXXX {$1600.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$420.00} XXXX  XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX  XXXX   XXXX {$3100.00} XXXX/XXXX  XXXX {$500.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$3500.00}
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am filing this report because I was at the XXXX dealership today XX/XX/2020 and when they ran my credit to see if I qualified for the car loan I wanted, I was told that I did not get approved because there are two accounts in negative standing as well as several inquiries. I looked through my credit report and those two accounts as well as the inquires do not belong to me and I did not allow anyone to open them in my name. The accounts are from XXXX XXXX and XXXX. I do not have any written/verbal contracts with those companies nor have I ever opened an account with those companies. I did not benefit anything from those accounts and inquiries that were made in my name without my permission such as money, goods, services or any other benefit nor have I ever made any purchases or payments towards any of those accounts. I have already filed a police report as well as a complaint with the consumer financial protection bureau regarding these unauthorized accounts and inquiries.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CO)

XXXX payments sent several times before but in XXXX - XXXX the funds were not received by the recipient. The bank shows it being withdrawn but cant say where is went. The money is missing from my account and not received by the recipient as it usually does. Nothing changed from one transaction received to the ones that didn't. The bank doesn't know and says call XXXX  and XXXX says to call the bank. Where did the funds go
Consumer complaint received 2020-04-01
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. (TN)

I have made several attempts to have the following items removed from my credit report due. The following items are over the 7 year and I have requested they be removed with no success. Equifax. XXXX XXXX XXXX XXXX opened XX/XX/XXXX. XXXX XXXX opened XX/XX/XXXX. XXXX XXXX  opened XX/XX/XXXX. I have exhausted all attempts for help..
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX around XXXX XXXX I revived a message stating that my debit card account was being added to XXXX XXXX ( the message was from my bank ). Soon after I received a call from the exact number of the chase headquarters. I missed the call and soon got another call that I answered assuming it was important. I was told on the call that I was getting a call from the chase fraud department and there was fraudulent activity occurring on my account involving someone trying to add XXXX XXXX to their wallet, and if that action wasnt me to press 1, then later in the call I was asked to variety to make sure it was me and gave them a the code they sent me. After the call my account containing a little under XXXX dollars was completely wiped. Soon later on XX/XX/XXXX my account was over drawn XXXX dollars. I had previously upon creating my checking account activated the feature chase overdraft assistSM which prevents your account from being overdrawn past XXXX dollars. Despite that feature being activated the next day following XX/XX/XXXX I get another email stating that my account is now overdrawn XXXX dollars. I have also yet started that on XX/XX/XXXX after the first incident I had closed my account to prevent any other charges. Upon filing the claim I was told the money was being reversed and would be given back to me. Unfortunately soon after receiving my full amount of money back into my account on XX/XX/XXXX my account was get drained again. I go to chase just to find out that theres absolutely nothing they can do because on that fraudulent call I authorized that money to be taken out of my account despite being lied to and the caller ID being exactly the one from chase headquarters. I have been taken advantage of and need to figure out a solution to my problem. A police report /fbi investigation was submitted and is attached to the complaint Thank you for youre time.
Consumer complaint received 2020-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (SC)

The party has not validated nor verified as they state which is legally required by the FCRA as well as TILA and over due according to the rules and regulations of the FCRA .I continue to have to file complaints due to the the corporations inability to legally comply and will continue to do so until I am provided fully compliant responses as stated and cited within their control and or possession.A mere statement that they say they have complied is not a compliance.This corporation even stated my date of birth incorrectly.This corporation has a long history of manipulation and exploitation with other consumers. I know of nothing that supports this corporations allegations that I owe them anything.This is not my account and they know this and is why theyve not been able to provide any sort of compliant verification validation as is required and has been demanded of them by way of certified letters and calls thereafter only to not comply and harass via telephone.This corporation needs to be held accountable for their actions and investigated for their continuing fraud.They have also failed to provide anything that has my signature or contract because it does not exist. They have also failed to provide anything that has been submitted under penalty of perjury under oath.Ergo I contend and will continue on contending I know of nothing that supports their allegations based on what has and had not been provided.This corporation is guilty of negligence and maliciously willfully and purposely attempting fraud and RICO conspiracy for an unverified invalidated account.
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (CA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}
Consumer complaint received 2022-12-28
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 — Problem with personal statement of dispute
Company: Capio Partners, LLC (TX)

On the Date of XX/XX/2019 I was admitted to the XXXX XXXX at the XXXX XXXX in XXXX XXXX. The nearest Veteran hospital was approximately 3 Hours away in XXXX Illinois. I was charged as by the Bill, it was sent through various collection agencies. The XXXX  XXXX is now reimbursing XXXX for emergency care at non-VA facilities.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 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 an 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 2020-03-21
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (FL)

In XX/XX/2020 I paid {$500.00}. I have a balance due of {$1900.00} after paying the {$500.00}. Prior to XX/XX/2020 I made smaller payments ; I lost my job and I was unable to make the payments. I called on XX/XX/2020 to make a payment and I was told I would have to make the payments to a collection agency in the amount of {$2300.00}. 
I asked to make monthly payments to cover the amount for {$1900.00} but they would not accept it. I believe the sent the debt to the collection agency prematurely and that they should work with me to continue paying on the debt. 
They destroyed my credit rating ; and the payments would have been made in larger amounts now that I have a job. 
Companies involved : XXXX University, XXXX XXXX XXXX XXXX, XXXX, MD XXXX
Consumer complaint received 2020-03-21
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. (NJ)

On XX/XX/2020, XXXX XXXX reported a 56 point drop to my Transunion credit report and a 57 point drop to my XXXX  credit report. When I looked into what changes had occurred since last month, I saw an account had been closed : XXXX/XXXX. As far as I can tell, this is an account that I had no knowledge of that originated with XXXX as " XXXX XXXX  XXXX '' and was sold to XXXX XXXX. XXXX XXXX  presumably closed the account due to inactivity. I never used or signed up for this account at any time. It is unconscionable, that XXXX would close this account at random, without my knowledge of it ever existing, and deal such a devastating blow to my credit report. I filed a dispute to my Transunion report with XXXX XXXX, directly with XXXX  and now with the Consumer Financial Protection Bureau. If this matter is not promptly resolved, I will take further legal action.
Consumer complaint received 2023-09-30
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion XXXX XXXX, I hope this message finds you well. I am writing to express my deep concern and frustration regarding an issue I have encountered recently with accessing my credit report. 

It has come to my attention that, following my reports to the credit bureaus and the Consumer Financial Protection Bureau ( CFPB ), along with consistent complaints directly to TransUnion, I am no longer able to view my credit report. This was not a problem before I initiated these actions. 

While I understand that there may be various reasons for access issues, I find it particularly concerning that this change occurred after I began raising concerns and seeking resolution for inaccuracies in my credit report. If this is a widespread issue affecting multiple users, I would appreciate clarity on the matter. However, if this is an isolated incident, it raises serious questions about the appropriateness of denying access as a form of retaliation. 

I believe in the importance of transparency and fair treatment for all customers, and I trust that TransUnion, as a reputable credit reporting agency, values these principles as well. Access to one 's credit report is a fundamental right, especially when discrepancies are identified and reported for resolution. 

I kindly request prompt assistance in resolving this matter and restoring my access to view my credit report. If there are specific procedures or issues that need to be addressed, I would appreciate detailed information to help me understand and rectify the situation. 

Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution.
Consumer complaint received 2020-04-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX   XXXX {$890.00}
Consumer complaint received 2020-04-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX   XXXX {$890.00}