davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (DE)

I never received any notification about this alleged debt from Vance and Huffman  and was not provided with any documentation to validate it. I disputed this debt with XXXX and it was removed from my credit report. It was re-entered on my report 30 days later without any prior notification from XXXX.
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (MD)

On XXXX I sent a letter regarding inaccurate unknown things and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2022-04-18
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX LL, account # 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 a account without my written instructions.
Consumer complaint received 2022-04-18
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, I have submitted several disputes over the past year and a half. None of the credit bureaus will update my car loan information. Due to the cares act and a one moment extension I requested, the credit burns failed to report the last year and a half of on time payments, I have submitted emails, called, filed several disputes even faxed the data proving I made my payments yet the bureaus all refuse to update this information. This is holding at least 10 maybe more points from my credit and is honestly a crime that they will not update the information. Please help! 

regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently pulled my 3 consumers reports and seen unauthorized inquiries placed on my consumer report. In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates! I didn't give XXXX, Transunion or XXXX written consent to report the these inquiries. 

I also didn't authorize these banks or vendors to furnish this data on my consumer reports. In accordance with the FCRA, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Consumer complaint received 2022-04-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX we applied online at Truist.com for a business line of credit for our company XXXX XXXX XXXX XXXX. Upon completion of the application credit was immediately denied. To date we have received no communication from Truist regarding the reason ( s ) for the request being declined. I sent an email the same day to my local branch manager in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others but never received a response. A friend who works for Truist forwarded my email thread outlining a number of issues including this one to two merger leaders. On XX/XX/XXXX I received a voice mail from XXXX XXXX who indicated that he was assigned to my case with ( # XXXX ). I called and left messages on XX/XX/XXXX, XXXX and XX/XX/XXXX and have received no call back.
Consumer complaint received 2022-12-14
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. (FL)

XXXX. XXXX XXXX ac # } XXXX { Reason for Dispute } THIS ACCOUNT IS NOT MINE. I HAVE NEVER SIGNED APPLICATION OR OBTAINED Credit. This has been Removed before and now it's been added Again
Consumer complaint received 2022-04-18
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. (TX)

I have been a victim of identity theft and I have a lot of accounts on my report that do not belong to me and its taking the bureaus more than 30 days to remove the accounts. The accounts are not accurate and do not belong to me. No one is submitting this on my behalf. It is I, XXXX XXXX
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive contacted Trans union about an account that is missing or not showing at all after more than a yr of reporting and they told me contact creditors I have they are for sure they report and have said they will file complaint as well
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IN)

Account # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ( Me XXXX Company : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone : ( XXXX ) XXXX To whom it may concern : I was granted this credit line for Home Depot Commercial Account through CitiBank for {$2500.00}. Please see ( Exhibit A ) ( Exhibit A ) Cleary show all company info as well the phone number for the company. 

( Exhibit A ) Also shows in the highlighted area that this account can be used to purchase gift cards. 

XX/XX/2022 - I received my permanent card. 

XXXX I went to Home depot to purchase gift cards for an XXXX Function for my company that we were having for the community. I spent well over 2 hours in store, only to be told it was red flag thrown up because I was purchasing gift cards and that they couldn't verify me because the system wouldn't allow them to send me a text. 

XX/XX/2022 - I asked to speak to a supervisor for the verification team whoever I spoke with was unprofessional and in clear need of more people skill training. Once, I asked for an employee number and her name, she started to find ways to go off course to end the phone call. It was ultimately ended about XXXX mins after I got off the phone. Since this was a company phone the phone call was being recorded on our end as well. 


XX/XX/2022 - I called this department again who then told me i would need to go back in store to do this process again. Once again about an hour and a half later, I was told I could use the account because the system could not verify my number. 

This whole situation with account is XXXX. and I will be filing a FTC and FCBA complaint next as well as speaking to our lawyer about this mishap and the unconvinced this has caused. Since this account is administered by Citibank I'm holding Citibank accountable for damages, if this situation does not get corrected o satisfaction. Company credit was ran, verification was done over phone prior to approval of account, I received my application status and approval at the same number Citibank stated that they couldn't not verify me on. The number XXXX is completely up and running I can make calls, received text, send text etc. like a phone is supposed to. This has got to be the most unprofessional experience I have ever had with a credit account. Even if you couldn't " verify '' the number which is false, what was the point having me verify all of my personal info, show ID, give EIN number etc. 

Also, I believe that Citibank might be using a third party company to try and verify information which is incorrect and misleading especially since it was not made known that this was the case. < -- Don't have a problem with this other that the fact that it's not made known and deceptive. Also, I would like to know very specifically why the phone number on file was not able to verify the account when this phone number is the ONLY phone number attached to ( ( ( ( ( ALL ) ) ) ) ) Company Credit reports?
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only Equifax. This has caused undue stress in trying to remove this inaccurate information. 

This information appears from XXXX and keeps reappearing with different payment dates, payment amounts, etc. 

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX and XXXX account # XXXX is in violation of my my rights, which states that negative and outdated information can not reappear after it is found to be not validated. 

15 USC 1681 section 602-A states that I have the right to privacy. 

15USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

I did not provide a wet signature or permission for this account to be reported nor should they be reported form XXXX. Illinois consumer law prohibits reporting after 5 years. I demand that these accounts be removed from my credit reporting file
Consumer complaint received 2022-04-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/2022, I was offered a settlement offer since my loan was past the expiration date. A {$3000.00} dollar ( USD ) settlement offer was sent. I made a {$1500.00} payment on XX/XX/2022, and I made a second ( 2nd ) payment of {$1500.00} on XX/XX/2022. I am continually getting calls from Chrysler Capital ( 4-5 calls a day ). Some representatives have spoken that I would have a charged off balance and I could possibly see negative credit reporting due to not fulfilling the settlement agreement. I have requested from multiple representatives a zero balance letter since they have agreed that the balance has been paid in full on the settlement offer. I feel their behavior violates the UDAAP as well as the Fair Debt Collections Act.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (MA)

XXXX XXXX XXXX, CEO Comenity Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  I am writing regarding XXXX XXXX XXXX, CEO of Commenity Bank who is allowing Identity Fraud on my card and even has the audacity to charge me for these fraudulent charges. This complaint can be validated by the Partner BJs XXXX XXXX who markets this card. In fact, you can see below XXXX XXXX XXXX, Vice President of BJs is also allowing this to happen as my account was compromised back on XX/XX/2021 I reported it to Commenity Bank to stop the card because I received a call on my cell phone stating they are BJs XXXX Mastercard. I even gave them the phone number that came up on the caller ID and wrote and called both Commenity and BJs to stop my card before something happens. 

What tipped me off the Identity Theft was the person on the phone had my full Commenity Card Number and was trying to validate my Social Security. Second, I did not have on file my Cell number as all my cards I use my land line for protection. 

I wrote to Commenity to close the account as no charge happened that day. Well, Commenity Fraud did nothing and fraudulent charges made to XXXX online started to appear on my statement late XXXX and XXXX. After several calls to stop the card to no avail. 

Now XXXX XXXX XXXX, CEO is running a scam sending me a letter saying they are going to ruin my credit by reporting my disputes as valid charges in hope of extortion of these charges and ruining my status as good credit with the XXXX agencies. I have the letter sent on behalf with the knowledge of the CEO. 

So, we have both BJs and Commenity running Consumer Fraud and Protection Scams and want to put this on record as the AG should prosecute both firms. I will send the formal papers to the AG this week with the documents to support it. 

As I been still fighting this illegal activity for months as both are just doing nothing. XXXX XXXX XXXX, XXXX XXXX is totally aware of this and going along for the ride, so her name will be put in as she is condoning this illegal activity. 

In fact, this morning I called the representatives and told him received a call from their XXXX Call Center telling me this charge was to be made zero, they will close the account and open me up a new card and account for protection. But I suspect this is a scam to lure me into screwing up my credit with the credit reporting agencies. 

Looking to hear from you, as I will show you all emails and even messages sent to both entities. Both did zero. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Consumer complaint received 2022-04-18
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. (CO)

Experian has made it impossible to reach a live person to discuss my credit report. The options are either call about a fraud alert or freeze, or to order a score. There is no option, and no combination of options that lead to a live person to discuss my score or report. I have to get a dispute comment removed to be able to move forward with my mortgage approval, however I can not get ahold of anyone. I have called Experians customer service number at XXXX and no luck.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had my unemployment account hacked from XXXX 2021. The hacker had logged into my account but switched the account numbers, so I never received a XXXX of the {$8000.00}. I have been going back and forth with Bank of America edd and unemployment for the last four months now and my fraud claim just keeps getting denied. I had to file a tax extension because I refuse to pay taxes on the money that I did not receive. I have filed police reports, sent copies of my bank statements, I even got a copy of XXXX credit report showing all of my current open accounts but I still keep getting denied. I need help. I do not know what to do anymore. XXXX XXXX XXXX has been very helpful helping me email XXXX but he is even stumped because he doesnt understand why they keep denying me. I am a broke XXXX XXXX XXXXXXXX XXXX XXXX  who could have really used that money and let alone can not afford to pay taxes on that amount. Please help. I have done everything that XXXX has asked me to do. I keep getting document after document proving that I am not associated with that account number that is still currently on my unemployment profile. However, my fraud claim just keeps getting denied. I have been in contact with XXXX newsrooms office, the attorney general, and senator XXXX. I need help proving my innocence. I have even been back in contact with the officer that I had originally filed my police report with to see if he would be willing to file a search warrant through edd to figure out who had hacked me.
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Financial Resources, Inc. (CA)

A year ago, I found an incomprehensible entry on my credit report that did not belong to me - FST FINANCIA ( Original Creditor : XXXX XXXX ), Account # XXXX. At first, I just called the bureau, explained the situation, said that this record does not belong. Every time they promised me that this entry would be deleted, but nothing happened. And when I called again, they told me that there was nothing on my case. It's just absurd. Then I began to write letters to the bureau in order to investigate this entry, and provide me with the facts that this entry belongs to me or delete it. The bureau never responded to any of my inquiries. Then I found the address of this strange creditor, wrote them letters asking them to confirm my debt and, in general, at least explain where I got this debt from. As a result, a year of struggle with the bureaucratic system, where no one cares about you and your problems. The record is still present in my report, but I still dont know where this debt comes from and for what. I ask you to remove this entry from my credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$370000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$14000.00}.
Consumer complaint received 2023-06-26
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. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.