davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (MD)

This is my NUMEROUS 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 XXXX XXXX Balance : {$0.00} ; STATE ECU XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; RESIDENT VERIFY XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA XXXX XXXX XXXX XXXX IS NOT AUTHORIZING ME TO BEING REIMBURSED FOR SERVICES WERE NOT RECIEVED. PROBLEMS COMMUNICATING WITH ME AND OR RESOLVING MY ISSUES. PAY DATES AND AMOUNTS ARE INCORRECT
Consumer complaint received 2021-11-25
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. (CA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2019-07-13
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. (GA)

I filed BK Chapter 7 and added XXXX XXXX into Chapter 7. I received my discharged letter from the courts. XXXX XXXX is still updating my report showing amount increasing as well as days late and now delinquent on my credit. I have submitted disputes but for some reason, they are continuing to update my credit with the incorrect information. Here 's my final letter to them and no response. 

Dear XXXX XXXX XXXX : XXXX XXXX is showing an increased balance on Account Type/ Account for Loans on my credit report. This account was updated by Equifax and XXXX as discharged in UNITED STATES BANKRUPTCY COURT, Case No. : XXXX Chapter : 7. For some reason it was then changed back to an amount owed as $ XXXX 90 days late. 
Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? I am in the process of taking legal action as you are constantly updating my credit report and not adhering to the UNITED STATES BANKRUPTCY COURT decision.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (AZ)

LVNV Funding LLC opened a collections account on my credit reports on XX/XX/19. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then LVNV Funding LLChas come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with LVNV Funding LLC. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Consumer complaint received 2023-11-28
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. (LA)

I've obtained a copy of my consumer credit report from the major XXXX credit bureaus check the information within making sure the it was accurate according to USC titie 15 1681 ( 5 ).

I've waited 30 days to receive the investigation results which everything was still reporting the exact same as the previous month. The credit reporting agencies XXXX. 
XXXX, and Transunion did not complete and modify or remove anything items on my credit report. 
The primary information being reported are not correct such as the open date, date last active, date of payment history. 
These are all violations of the Fair Credit reporting Act, which is harming me from obtaining funding to start a business and buy a house for my family. 


I've attached all of the previous dispute letters to show no action was taken upon the credit bureaus on my behalf.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (CA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XX/XX/XXXX
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XXXX XXXX  XXXX reported that I have a balance to the credit company in XX/XX/2019 and I had a XXXX balance. It made my credit score drop from XXXX to XXXX. I have contacted them to update my information correctly, but a letter was sent to me stating it updated. But its not updated. My Equifax report for my XXXX creditcard ending in XXXX is currently showing no payment status on file.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (PA)

On or about last Friday XX/XX/XXXX   I was informed by a customer service representative that my checking account was compromised. And they put a hold on my account. However to this day they havent provided any accurate evidence except for their constant lying. Because at one point they stated that someone called their customer service trying to get into my account. And now theyre saying it came from an online source. So on this past Saturday I goes into the PNC Branch @ XXXX XXXX XXXX XXXX Pa XXXX and had to open another account. Claiming that both accounts were put on hold. But when I contacted their Acceptance Department @ XXXX XXXX XXXX in reference to a check for {$370.00} that came in they refused to transfer money from the new account to cover the funds and I got notified from PNC Bank by way of email that my Checking Account is now overdrawn. And they keeps referring my complaints to the same non caring customer service representative XXXX XXXX to whom is continuing to cover up PNCs misconduct and lies. Because someone from their Acceptance Department stated that there were 14 errors done one my account
Consumer complaint received 2023-05-12
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. (NC)

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 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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} - Paid, was past due 90 days/CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} - Pays account as agreed/CLOSED - XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION (IL)

Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was researching something for an assignment Im on and came across the CFPBs Consumer Financial Protection Circular dated XXXX. The situation described as a UDAP violation is exactly what occurred to me when I attempted to close my account at Regions Bank in late XXXX. Of course, they could have corrected that practice by now, but I do know that I was assessed {$170.00} in overdraft fees due to them reopening my account after I had already closed it. Regions stated that because I did not stop my bill pay items, that they reopened my accounts to pay my bills. However, I determined that there mustve have been an interface issue with XXXX XXXX pay software and the XXXX XXXX XXXX I was using, as I know for a fact that when I went to stop scheduled bill pay items there were none listed. However, Regions claimed that it was my responsibility to stop the bill pay items prior to closing my account, hence why they reopened it to pay the bills ( with the {$0.00} in my account? ). After so many calls being bounced between Regions and XXXX as they both blamed each other, I simply refused to pay the {$170.00} negative balance on the account. Regions offered to cut the amount in half that I owed, which I respectfully declined. Thankfully, I dont believe my negative balance was ever sent to collections or reported negatively to the credit bureaus. 

Of course, 2 years is a long time and the bank definitely could have stopped the practice by now, but I wanted to at least submit this complaint in the off chance that consumers were still being harmed.
Consumer complaint received 2019-01-28
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. (GA)

I reached out to you guys around XX/XX/2018 regarding some things on my credit that is not mine. The accounts were removed except for XXXX XXXX XXXX and XXXX XXXX. As I went through my reports I also saw some inquiries that I dont know nothing about. XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Please have this false information removed from my credit report.
Consumer complaint received 2019-12-04
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. (MN)

My XXXX XXXX XXXX  XXXX credit card # : XXXX is lost/stolen and has over {$3500.00} of fraudulent charges and transactions on my account which is not my charges and are fraudulent charges/transactions.
Consumer complaint received 2018-02-27
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. (IL)

On XX/XX/XXXX, a credit card with XXXX XXXX was opened up using my information. 
My ex-husband opened this account using my information and I never authorized him to do so. 

Upon finding out about the existence of this account, on XX/XX/XXXX, I requested that this account be closed.
Consumer complaint received 2022-09-13
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: Credit Karma (KY)

After bankruptcy XX/XX/2019 I was trying to establish new credit and raise my credit score by obtaining a couple credit cards. Credit Karma sent emails and ads for Pre-approved credit cards. I applied for them all only to be told NO and later receive a letter on the mail outlining the bankruptcy. Not fair! Instead of helping, the credit inquiries lowered my credit score even more, making it more and more difficult to obtain any sort of credit. After 2+ years, my credit began to turn around but certainly not because of Credit Karma. I will never apply for a Pre-approved anything thru that website again.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This account was paid to XXXX  XXXX directly, my credit report DOES NOT reflect it as PAID and only shows it purchased by another lender. 

I called Experian and within XXXX hours the balance was removed and it showed an additional statement " transferred to another lender '' The information is not being accurately reported and should be deleted.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Other banking product or service
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I am not a BofA customer. 
I received 4 emails from what I believe to be spam, but I am not sure, the phone number is XXXX and listed in the email. The emails knew my full name and email address. 

I called BofA to confirm that I am not a customer and there was nobody opening an account in my name but there is no number to find for fraud nor was I able to speak with any customer service rep for BofA. 

I googled the phone number and this seems to be an issue and I want it to be known that I am not a BofA customer and if BofA has allowed someone to setup an account in my name I will be forced to legal action. 

Basically is BofA wasnt corrupt and had a decent customer service department, this would've been handled.
Consumer complaint received 2023-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TN)

I have disputed this alleged debt with Lvnv funding llc. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.
Consumer complaint received 2024-03-16
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. (CT)

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$750.00}
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A. (VA)

XXXX -- tried to use credit card, charge would not go through, though it was within my credit limit and the card was not delinquent. 

XXXX -- PNC reduced my credit limit significantly. I want it raised back to what it was. My FICO score is good -- XXXX.
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (NJ)

A {$1000.00} payment was made via bill pay on XX/XX/2023. The payment was made in error to my previous account # XXXX. 

Ford acknowledged that the payment was made but said the payment was returned to my credit union. 

Two months of statements were provided showing that the no payment was returned to my account. 

Emails have been sent to XXXX and there has not been a reply. 

I have been requesting that the {$1000.00} be applied to my account number XXXX.
Consumer complaint received 2023-03-31
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. (FL)

inquires need to be removed due to fraud XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX ' Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.
Consumer complaint received 2020-02-27
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. (NV)

There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you in an urgent and distressed state, seeking your immediate attention to a matter that is adversely affecting my mental health and financial well-being. My credit report, as provided by your bureau, includes a fraudulent account that has been consistently tarnishing my record. I am writing to formally dispute this account and request its immediate deletion. 
XXXX XXXX XXXX XXXX  -PLEASE DELETE!!!! 
It is with great frustration and distress that I address this matter. I have recently become aware that I am a victim of identity theft, and this fraudulent account is a direct consequence of this malicious activity. This situation has taken a toll on my mental health and is causing severe stress and anxiety as I am wrongly facing the consequences of someone else 's actions. 
Despite my efforts, the presence of this fraudulent account on my credit report continues to impact my financial standing and personal well-being. I implore you to consider the gravity of this situation and take immediate action to delete the fraudulent account from my credit report.