davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Asset Agency, Inc. (FL)

I took a payday loan and couldn't pay back. Two yrs later, received phone call from Global Asset Agency threatening arrest & jail if not paid. I have had them take $ XXXX/month from my Social Security XXXX-issued debit card. They have been paid {$300.00} of the {$400.00} owed. Saw article on the company saying they may be fraudulent. Started pymt on XX/XX/XXXX with {$25.00}. Pd $ XXXX/month XX/XX/XXXX thru XX/XX/XXXX. 

https : //www.consumer.ftc.gov/blog/2019/02/ftc-halts-another-phantom-debt-collection-scheme Not sure if I'm being scammed. Please help.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

i sent the CRA 's a letter disputing the inaccurate and incomplete information they are reporting on my credit report, per 15 usc 1681eb and 15 usc 1681i5, the accounts have inaccurate account numbers, high balances, payment history. I am requesting that the inaccurate and incomplete items be delete.

the inaccurate and incomplete information be delete from my consumer report 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. also 15 usc 1681i5 ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2020-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC (OH)

ReLIant CAPital has called in the past to attempt to collect a debt that Im unfamiliar with. Recently they placed the collection on my credit report harming my credit score, reputation and credit profile. I request that the credit bureau remove the inaccurate information but they have refused replying with they believe the info reported is accurate but it clearly isnt.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I CHECK MY CREDIT REPORT AND NOTICE I HAD ACCOUNTS AND FRAUDULENT INFORMATION ON MY CREDI T PROFILE I CONTACTED XXXX, XXXX  AND EQUIFAX I ALSO MAILED THEM THE DOCUMENTS THEY REQUESTED ASKING THEM TO BLOCK AND DELETE THE INCORRECT INFORMAION THEY HAVE YET TO HELP ME WITH THIS PROBLEM
Consumer complaint received 2023-12-06
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: Experian Information Solutions Inc. (NC)

I am formally requesting this letter to update this account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-03-07
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. (NC)

I applied for a refinance with a XXXX XXXX XXXX XXXX XXXX  through a loan officer,  XXXX XXXX. After waiting for a decision on an approval, a few months afterwards, I noticed that my current home lender ( XXXX XXXX  ) had done a hard pull on my credit through XXXX XXXX on XX/XX/2019, that I did not authorize. I mentioned this to XXXX since he was working on the refinance with a different bank. XXXX informed me that he had switched companies and pulled my credit with the new company. 

I did not authorize XXXX or XXXX XXXX to pull another credit report and process a refinance with that company. If I had known of the switch to a new company, I would not had authorized such a pull. To date, I have not signed any document authorizing XXXX to pull my credit or process any application for credit. 

I contacted XXXX and XXXX regarding the unauthorized pull and both directed me to contest it with the credit bureaus and it would be corrected. I contested the hard pulls with XXXX   and transunion. I received a copy of an unsigned loan application from XXXX XXXX XXXX  along with a notice regarding Identity theft. The unsigned loan application was apparently generated after my credit was pulled without my permission and has no bearing on whether I authorized a credit inquiry. To date, the inquiries have not been removed from the credit reports. 

This hard credit pull has impacted my credit score negatively and has limited my refinance option with other lenders.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (PA)

I have unauthorized inquires on my XXXX report. 


COMENITYCAPITAL/SEPH XX/XX/XXXX XXXX XXXX XXXX, XXXX Both inquires are not mine. Remove them immediately or Ill have to contact my lawyer. XXXX was called they refused to provide proof after I requested removal
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

I have file several complaints with XXXX and Truist Bank concerning a credit card account I am no longer apart of. It is still showing on my credit report for XXXX. XXXX and XXXX has already cleared this dispute with my credit report. I have filed XXXX disputes with XXXX with the same results.
Consumer complaint received 2023-05-25
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. (LA)

This is my third time request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received a copy of my credit report, and I am finding debt that I have no knowledge of and I would like the creditor to remove from my credit report as it is making it hard for me to purchase a new home. The following are listed, and I am asking to be removed immediately : 1. XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX CO {$310.00} XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX 4. XXXX  {$250.00} XX/XX/XXXX 5. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (RI)

THIS ARE THE ACCOUNTS IN ERROR:

XXXX XXXX  Original creditor: XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX  Balance XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX,SCXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Account # XXXX
Date Opened XXXX XXXX XXXX  Balance - XXXX XXXX XXXX XXXX XXXX,TXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

XXXX XXXX XXXX
Account # XXXX  Date Opened XXXX XXXX XXXX  Balance XXXX  None Provided XXXX XXXX XXXX  Account # XXXX
Date Opened XXXX XXXX XXXX
Balance XXXX  None Provided
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-07
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I went to my tax preparer to prepare my taxes and to pay him for his services he deducts the money from my federal return. The check went to XXXX and then was suppose to be direct deposit into my account however Bank of America rejected the deposit. I was given a paper check which I then depositing via Bank of America Mobile app. Bank of America decides to place my check for 8 business days even thought XXXX cleared the check and sent it to Bank of America they are stating that they do not have the funds however XXXX states that the funds was given to Bank of America. Bank of America it have have the proper reason as to why my check is on hold except for they dont have the funds however XXXX bank manager isnt explaining that the funds was release and Bank of America has the funds. I dont have my money and now have to wait 8 business days to get my money. I need this problem fix and no one is willing to help. Bank of America is using my check to gain interest because I havent heard a valid reason why my check cant be cleared and available to me.
Consumer complaint received 2023-12-27
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: EQUIFAX, INC. (IN)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-05
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. (LA)

The following accounts should not be on my credit report. They do not belong to me and/or are inaccurate and incomplete XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I request that you delete the above-listed tradelines and provide me an updated copy of a consumer report prepared by you that you maintain and publish concerning me to third parties. Inform any and all persons that you published the disputed information to that it has been deleted. If you conclude that the tradeline item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published concerning me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Accordingly, I may be contacted at my address.
Consumer complaint received 2023-05-25
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX  XXXX XXXX : {$360.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} ; XACTUS-CP XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX 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 XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.