davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (VA)

Going into early 2021, up until XX/XX/2021, I had a business banking account with XXXX, owned by BBVA. 

BBVA recently merged with PNC in the US, and I needed to get statements for the account, so I attempted to contact the last number I had for XXXX. It told me that it was a BBVA number, and that BBVA is now PNC, so I contacted PNC customer service. 

Upon contacting PNC customer service on XX/XX/2021, I told them my situation and that I needed statements for the account. After waiting on hold for about 20 minutes, the representative came back and told me that she couldn't find an account with my business ' name on it. 

After spending about another 20 minutes searching to see if I had any old documents related to the account and not finding any, we agreed to end the call. 

By law, banks must provide customers statements from their accounts, and the fact that they have no information about an account is extremely scary.
Consumer complaint received 2020-01-14
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. (NV)

I am requesting the following inquires be removed from my credit profile due to fraud. I am a victim of fraud and have been in a repair stage of my credit due to someone fraudulently attempting to be me. Please remove the following inquires from the following companies from all three of my credit reports XXXX, XXXX and trans union. 

Trans Union Credit Report Inquires : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Credit Report Inquires : XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX All of the inquires on XXXX Credit Report are fraud in result of being a victim of identity theft please remove all of the inquires due to fraudulent person attempting to apply for credit in my name.
Consumer complaint received 2023-01-17
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. (FL)

In accordance with the fair credit reporting act convergent account FrontLine Asset Strategies, has violated my rights.

15 U.S.C 1681 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope this message finds you well. I am writing to express my deep frustration and disappointment with the second attempt made to remove fraudulent items from my account. 

Despite providing all necessary documentation and details to support my claim, the resolution process has been slow and ineffective. The fraudulent charges remain on my account, causing me undue stress and financial strain. 

I expected a more efficient and proactive response from your company in addressing this matter. The repeated failure to promptly remove the fraudulent items from my account has not only compromised my financial security but has also caused unnecessary frustration and inconvenience. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account without further delay. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file:XXXX XXXX  XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX
Consumer complaint received 2020-01-14
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: EQUIFAX, INC. (NV)

I am requesting the following inquires be removed from my credit profile due to fraud. I am a victim of fraud and have been in a repair stage of my credit due to someone fraudulently attempting to be me. Please remove the following inquires from the following companies from all three of my credit reports equifax, XXXX  and XXXX XXXX. 

XXXX XXXX Credit Report Inquires : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Factual Data : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax Credit Report Inquires : XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX All of the inquires on XXXX  Credit Report are fraud in result of being a victim of identity theft please remove all of the inquires due to fraudulent person attempting to apply for credit in my name.
Consumer complaint received 2023-05-09
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. (NC)

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 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 2023-03-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. My name is XXXX XXXX and I have reviewed my credit report and found several errors which need to be rectified as soon as possible. 

Firstly, I would like to dispute the following bankruptcy cases as they do not belong to me : Bankruptcy XXXX XXXX-dismissed Case Number : XXXX Bankruptcy XXXX XXXXXXXX-dismissed Case Number : XXXX I request you to remove these items from my credit file immediately as they are not mine. 

Secondly, I would like to dispute the following accounts as I can not recognize them : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Please investigate these accounts and delete them from my credit report if they do not belong to me. 

Thirdly, I would like to dispute the following accounts as they have incorrect information : XXXX XXXX Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXXXXXX XXXX  Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXX XXXX XXXX XXXX 
Account Number : XXXX This account has never been paid late. Please update this account and delete the inaccurate information immediately. 
Fourthly, I would like to dispute the following personal information as they are incorrect : Account Number : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX This is not my name. Please delete it from my report. 
I urge you to comply with the Fair Credit Reporting Act ( FCRA ) law, and investigate these items in a timely manner. Please inform me in writing of any corrections made to my credit report. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-29
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. (NY)

XXXX administers our HELOC loan. On XX/XX/20, a XXXX representative gave us a payoff amount of {$340000.00} and all wire transfer information, told us that no more interest would accrue if we wired the $ that day, which we did. We later noticed on our XXXX account online, a remaining principal balance of {$170.00} and interest of {$230.00}. Because we had paid off the exact amount told to us by XXXX, we contacted them to dispute this matter. XXXX sent us a letter dated XX/XX/20 acknowledging this, advising that they'd work to resolve it, and that they will continue to follow up until there was resolution to our request. From that date until today, XXXX never again contacted us regarding our dispute. We, on the other hand, contacted XXXX repeatedly to follow up. I have copies of our cell phone bills showing 12 phone calls placed by us to XXXX. The calls total 355 minutes of OUR time, trying to resolve a dispute that XXXX vowed to work towards resolving. We then realized that a {$25.00} late charge as well as an additional unexplained {$50.00} fee was added to our account ( we had just paid the {$100.00} annual fee one month earlier and NO ONE from XXXX could explain the {$50.00} charge ). I was told that both fees would be removed because of the underlying issue. I consistently asked to speak with a supervisor. A couple of times, I was placed on hold and would then be disconnected. A couple of times, I was told that a supervisor would call me back. No supervisor or anyone else from XXXX ever called us back. Because I didn't want this to affect our credit, I tried making the payments that we were disputing online and by phone, but was not allowed to. We finally paid everything in full by wire transfer as required by XXXX ( at an additional cost through our bank ) and XXXX reported a late payment to the 3 credit bureaus, resulting in negative credit for us. XXXX FINALLY responded to me after I posted a negative comment on XXXX and issued me a letter advising that it submitted a correction to the credit bureaus removing the delinquent reporting. When I saw that the 3 bureaus still had the delinquent payment, I was told by XXXX to dispute this directly with the credit bureaus, which I did, TWO TIMES for each. The credit bureaus responded that XXXX reported to them that the delinquent payment was accurate, even though XXXX confirmed in writing to me that it was not.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX or XXXX of XX/XX/2022 ; I placed a temporary credit lift on my credit file of reference to that with XXXX which is normally locked to look at utilising XXXX which is a distributed payment or purchase-loan affiliation program instituted to aid in payment spreading for larger level purchases associated with that of credit easing. Such was being conducted to examine purchasing bicycle to ensure for freedom of movement to the juxtaposition of local, regional, and national caging associated with organ surrogacy and trafficking related to that of affiliated persecutory actions of relation towards maintaining international relations. Upon unlocking the credit with the actual provider XXXX which is headquartered in the city of XXXX ; access to credit services were intentionally still being restricted by the company XXXX; essentially positioning through the caller support for the later consolidation of the firm and use of the collected audio fraudulently for the purposes of creating the auspices that submitted PII information was obtained by accidentally interacting with a fraudulent vendor and not the company itself. For example asking to submit debit card information upon intial callout when such had not been submitted to the application, nor would be prior to credit ascertations in support of nationally oriented and intentional financial restrictions of direct relation to nationally oriented organ surrogacy. Similarly the representative suggested to call back in 24 - 48 ; stated time window to complete alloted XXXX training, actions which are being detrimentally exerted and manipulated of direct association to national intelligence initiatives guised as policing by family members and localities. Such is entirely being positioned for lateral theft of identity towards that of a family member for the purposes of nationally oriented subjugation.
Consumer complaint received 2022-11-12
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. (IN)

I have disputed my issue numerous times to try and resolve it. I have submitted a dispute every 90 days starting on XX/XX/2022. Nothing has been done and no information has been removed from my report which is harming me and my family in the end.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (CA)

The name of the company. 

XX/XX/2018 debt amount XXXX. They are unable to validate the debt. They are unable to provide proof that the debt is mine. 

The address is XXXX XXXX XXXX XXXX, PA XXXX THE ABILITY RECOVERY SERVI XXXX
Consumer complaint received 2022-11-12
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: CBC Companies, Inc. (NV)

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Please freeze this report and update my correct information. You guys make it nealry impossible to access my report My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached
Consumer complaint received 2022-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under XXXX XXXX  and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-11-12
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: Bread Financial Holdings, Inc. (MI)

Account : XXXX XXXX This account has never had any late payments made by me. I have always had this account on autopay to take atleast the minium payment. I have not been in any sort of financial troubles. The current company is not the company that reported that missed payment. My account was sold to this company. I asked the furnishing company, XXXX, XXXX and XXXX to provide me valid proof of a 30 day late payment. All these companies simply responeded by saying the account is valid and reporting accurately. I submitted a compalint back in XXXX of XXXX  and the furnishing company just responded by saying the account is reporting accurate. I have also disputed with all 3 credit bureaus. 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 2022-11-12
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX @ XXXX I bought 5 gift cards for {$1900.00} as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX # XXXX - {$500.00} # XXXX - {$500.00} # XXXX - {$500.00} - card has never been replaced. they still have my {$500.00} # XXXX - {$200.00} # XXXX - {$200.00} I paid for the cards with my debit card. Went home had coffee, sat down to sent cards out. first card I went to pay a bill, gave the lady the card number and thought I was finished, the lady said no there is no balance there. Went back to XXXX to have them unlock the cards. I got a store manager to help me. The manager call AMEX and had them look up the cards and was shocked to hear what he heard, first card was used on XX/XX/XXXX and was repacked. The manager said how can that be that card she just got the card today this morning. All cards used except for XXXX {$500.00} was still good and AMEX requested a replacement card for it. I waited XXXX days for Both replaces cards were no good. Still have not received another one. At that time I wanted a replace check instead but AMEX said no. I have cried till I cant anymore and fighting this battle. I am suppose to get married at the time this happen and had to rescheduled the date. I did some research and found out that XXXX XXXX news broadcast gave some light on the gift cards scam warning from XXXX and how many people were getting screwed by them and their policies. This is not the first time for me, the second one happened just a few days ago, XX/XX/XXXX, XXXX, {$180.00}. I got this card for a birthday present it was bought at XXXX and it was XXXX balance when i got it. I called AMEX and they had no words for me but offer to send a replace card. I got the replace card XXXX weeks ago and it was good until XX/XX/XXXX. I called on XX/XX/XXXX and there card had XXXX balance. the lady gave me information that someone called XXXX on XX/XX/XXXX and used {$170.00}. and she also gave the ID XXXX and the transaction was completed yesterday XX/XX/XXXX. The lady asked my name and I gave it to her and then the lady quickly said she couldnt give me any more information and hung up. Now today I am writing out of anger, frustration and concern for other people who have gotten hit or will get hit if this isnt put out to the public. There is enough scams going on in this world.