davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sent the attached letters about 50 days ago. I just dont understand why the credit bureaus are not taking responsibility to protect me as a consumer and make sure my credit report is up to date and showing accurate information
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My name is XXXX XXXX XXXX and my Checking account was closed at Bank of America XX/XX/XXXX due to suspected fraud. I do not have any knowledge of fraudulent activity on this account. If there was any fraudulent activity it was done inadvertently. The amount of {$410.00} was paid in full XX/XX/XXXX. I am trying to open a new checking account but am being declined because Bank of America has a suspected fraud alert on my XXXX report. I am trying to explain that I do not know why this is so I can open a new account.
Consumer complaint received 2021-03-03
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: Thunderbird Collection Specialists, Inc. (AZ)

I have submitted 4 correction/appeal through the credit bureau and also contacted Thunderbird about a collection that I found on my report when I was trying to buy a home. Thunderbird has put this on my account that is my ex wife. We have been divorced for 25 years. She has defaulted on her payments apparently and they have put her bill on my credit line. They have refused to correct it through XXXX. No explanation was given. I can not be held liable for someone I have been divorced from for 25 years. I have no joint account with my ex for anything and XXXX XXXX does not even have me or my name on any record they have. It was a no contested divorce with no children and no property. I was never responsible for any of her bills. This seems to be illegal for a company to put whatever name they want on a bill to collect it. I did contact the hospital and was told I was not on her account.. So the culprit then falls on Thunderbird Collection.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In the year XXXX, an XXXX account was added to my credit report, which was open fraudulent because I did not authorize for that account to be open. Somehow when I set up payments for my daughter on two accounts XXXX XXXX and XXXX to be paid out of my checking account the XXXX account became open in XXXX of XXXX without my consent, after setting up payments for my daughter so that she would not have any charge offs on her account. In the year XXXX when my dad worked for XXXX XXXX XXXX my SSN got deleted and my year of birth as well. My daughter SSN became my SSN in the credit bureaus all three. XXXX   XXXX, Transunion, which was brought to XXXX XXXX XXXX XXXX Corporate attention in XXXXXXXX New York in the year of XXXX, which I am no longer there because of this matter, which I left in the year of XXXX. The problem keeps surfacing after 19 years of fighting for my identity and my daughter 's identity, Transunion will not delete this information from my credit report after disputing this over and over.I have also filed a complaint against all credit bureaus with CFPB on all issues that I know of. The incident report number is XXXX. This has destroyed my life as well as my daughter 's life. As we continue to fight for our identities if you go to the XXXX XXXX XXXX XXXX website some have changed the last four digits of my SSN and my daughter 's SSN under free credit score under my block. This has been overwhelming for the past 19 years and I have gotten three letters from XXXX stating they can not find me in their system which has been sent of 2 times with certified confirmation with the USPS post office.I have been fighting this for 19 years and I am tired of sending documents after documents to prove my identity and my daughter 's she was only 3 years old at the time when all of this occurred.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Experian willfully reported unresolved account with XXXX  despite documents from account manager showing the account was resolved. 

Additionally, inquiries are being allowed to remain on my credit past their cut off date
Consumer complaint received 2021-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jim Bottin Enterprises, Inc (NJ)

Im being threatened by this company called XXXX XXXX XXXX XXXX to pay my gym membership debt. 
They havent sent me any documentation or any letter in the mail stating how much the debt is. 
They have threatened me if I dont pay them {$820.00} they will report it against my credit. 
When I agreed to pay {$820.00} using my credit card they called me back saying if I XXXX XXXX them {$230.00} to the information they will text me I will not be held responsible for the {$820.00}. 
However they have failed to provide me with any contract or any other written documentation. 
As to what I have read about this company they have is negative reviews and it has a red mark saying there are alerts for this company. 
I dont know how to get this resolved and I dont want any negative remarks on my credit. 
How should I proceed with this. Please advice.
Consumer complaint received 2021-02-22
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. (FL)

Last XX/XX/XXXX an investigation was filed in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX because they reported a late payment ( Account # XXXX ). According to what they inform me by phone, after having made my payment for XX/XX/XXXX within the payment terms, it was revoked due to an error in the account. However, I do not find out until XXXX when I am doing the purchase of a house. I was never informed and it was not reflected in the web account, and I continued making my payments for XXXX and XXXX without knowing that they had not been able to collect the XXXX XXXX. As soon as I knew, I made the payment and requested a correction of this information, since the payment was made within the correct terms. I have been with this request since XX/XX/XXXX and with a lot of follow-up on my part, but they pass me from one place to another. This occurs in the middle of a purchase transition from one bank to another and no one could provide me with information. I was a victim of the transition of these banks. As recent as today, XX/XX/XXXX I called and they informed me that there are no marks in their file, however it appears on my credit. I have already sent emails as requested so that they can correct this situation and nobody responds to me. This has affected my credit and they keep passing me from one place to another without anyone helping me with this situation.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IA)

Experian recieved an online collections for XXXX from an agency which I clearly did not have any association with, and accepted it as a mark on my credit report. I disputed it because I have never even heard of these people and they never confirmed with me that I owed them money and for what. The collection was opened on XX/XX/XXXX, with an account of XXXXXXXXXXXXXXXX. I know nothing other than what is put up on my account. Experian refused my dispute saying that they confirmed with the debtors that they were accurate, however, they never contacted me and according to the fair debt collections act, they must do that and identify themselves, and tell me what debt I allegedly owe them. That was not done either. Experian is allowing this mark to be on my record when I do not have anything to do with these people who claim I owe them money. NOT acceptable according to any laws in the fair debt collections act.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

XX/XX/21 I was trying to withdraw money from my account when the funds were frozen and unable to use. Then I received a email from Wells Fargo that my XXXX was deactivated without my permission and also my unemployment was re routed to a pre pay card My retirement was taken from my account without my permission
Consumer complaint received 2021-02-19
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: NCB Management Services Inc. (FL)

On XXXX XXXX, XXXX, NCB MANAGMENT SERVICES ( Opened XXXX XXXX, XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA NCB MANAGMENT SERVICES has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
Consumer complaint received 2021-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed on XX/XX/XXXX with the bureaus regarding a late payment that is COMPLETELY inaccurate as well as a collection that no one has yet to verify or validate for me as being accurate, therefore I do not feel I am responsible for it! Since the bureaus didn't correspond with me about anything, I disputed again on XX/XX/XXXX and yet again, the bureaus have ignored my request, this is very negligent and not fair to me as a consumer!
Consumer complaint received 2021-02-20
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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 XXXX out of XXXX 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. these are the accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-19
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some incorrect personal informatio. I have no knowledge of this and All is being investigated by the FTC 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 2021-02-19
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: ERC (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX XXXX, Enhanced Recovery, and XXXX XXXX XXXXXXXX. The Account Opened is XXXX XXXX XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Enhanced Recovery Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$72.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-19
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: Resurgent Capital Services L.P. (FL)

On XXXX XXXX, XXXX, LVNV FUNDING LLC XXXX Opened XX/XX/XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
Consumer complaint received 2021-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date XX/XX/XXXX, which is more than 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2023-02-19
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-02-19
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 am a victim of Identity Theft The Information Listed below Which is on my Credit Does not relate to any Transaction That I have made This is the result of Identity theft. Please Block These Accounts From My credit Report Pursuant to the Section 605B of the fair Credit Reporting Act and send The Required Notifications to all furnisher of this information
Consumer complaint received 2022-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently disputed the accounts XXXX XXXX and XXXX XXXX XXXX with Transunion. Transunion verified these accounts as accurate. I requested a description of the procedure used to verify these accounts. As of XX/XX/2022 I have not received that information. Transunion opened up another dispute that I did not ask for. Transunion has violated my consumer rights by not sending the requested information. Transunion has violated 1681i ( 6 ) ( B ) ( iii ).
Consumer complaint received 2023-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed a few accounts numerous times on my credit report and I see the information is incorrect and it is still on my credit report the fair credit act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a lemon as well XXXX XXXX As well as my bankruptcy were handled I asked them to remove it from my file my rights were violated 15 U.S.C 1681 section 602 A states I have a 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 with my written instructions
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/XXXX I paid {$4100.00} for a XXXX year gym membership and coaching program. In the last of XX/XX/XXXX the gym closed suddenly ( it was XXXX days notice that they wouldn't be open on XX/XX/XXXX ). The gym also stopped providing the online programming/coaching that went with this membership. They did not refund the 5 months of the XXXX year paid - this amount was {$1700.00}. 

That amount was disputed with AMEX, which I used for the purchase. They initially refunded the account. However, they later re-applied the charge stating the vendor had submitted documentation. 

The documentation submitted was sent to me - it was a month-month contract ( which was not our contract XXXX not signed by me. There was a signature on the document which clearly is not mine. The reason given by AMEX for re-applying the charge was that I " did not follow cancellation procedure ''. This reason does not make sense given the business closed and the owners immediately moved out of state. And, as mentioned, they also stopped providing the online coaching component of the membership. 

I notified AMEX that the document submitted was not signed by me and did not even match the type of membership I had with the vendor. They did not review the case again. As they started to charge me interest on the re-applied balance I paid the charge again today.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (VA)

I lost my wallet on XX/XX/XXXX in Washington DC. The person who found the wallet withdrew money from my bank account at the ATM. I called the bank and froze my account and reported the fraud that occurred on the account. I also called the police and opened a claim for the lost. The bank name is TD bank, they took first of all a month to send me a card then without contacting regarding the case they denied the claim. I appealed and got denied because they said I missed their call. I decided to reappeal because I did not make these charge and need my money back. yesterday, I called the bank and asked for the case to be reopened. The lady I talked to told me that the case was lacking details and she was going to get more details from me. I re explained what happened and asked if they could work with the police and get more footage videos from the bank where the person took the money. I am very disappointed in the way they handled my case. First, my card took forever to be sent knowing that I have XXXX kids and I use my card on the daily base. Second, they did not follow up with me regarding the case or call me for more information. Also, they are denying the case base on how they are feeling about it without checking evidences on either or not the fraud occurred. Please I am writing this complaint for you to help me. I lost around XXXX dollars and that is a lot of money for a single mom. 
Thanks