davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-28
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. (WV)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX DEPT. OF EDUCATIO XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-16
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)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX  XXXX   XXXX {$150000.00} XXXX XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-16
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)

My wife and I are trying to buy a house and the realtor that we are working with ran our credit today XX/XX/2020 to see what we qualify for but he told me that we would not be able to get a home loan right now because my credit report came back with several negative accounts. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX and US BKPT CT  CA XXXX XXXX. I never opened an account with any of these companied nor have I ever filed for bankruptcy. I have never given anyone permission to open an account in my name ; I did not benefit anything from any of these accounts and I did not contribute to any payments made or any purchases. I filed an identity theft report with the federal trade commission as well as a complaint with the CFPB.
Consumer complaint received 2020-03-28
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: EQUIFAX, INC. (IL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND WOULD BE ABLE TO DO SUCH A THING TO MY CREDIT. I HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-03-16
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. (GA)

My identity was compromised in late 2016, as a result more than 50 attempts have been made to obtain credit in my name. I have contacted all of the National Credit Reporting Agencies by certified mail disputing the inquiries, having provided them evidence of my identity, as well as a copy of the police report filed about my identity being compromised. In a very detailed letter I disputed each of the fraudulent attempts to obtain credit in my name, as the inquiries are having a negative impact on my credit and attempts to obtain legitimate credit. Each bureau has stated that the inquiry is a matter of fact, and though they are the fraudulent, they will continue to report them for 2 years, and they will not take steps to validate if their subscriber had a permissible purpose to access my credit.
Consumer complaint received 2020-03-28
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. (WV)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX US DEPT. OF EDUCATIO XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX US DEPT. OF EDUCATIO XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX US DEPT. OF EDUCATIO XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX BANK
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

I have been working on repairing my credit since XX/XX/2019. Last month, when I received a new copy of my report, I noticed an address reporting that is unfamiliar to me. XXXX  is reporting the address as a previous address of mine, and Experian is reporting it as my current address. The address reporting is : XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. 
I am not familiar with this address and I have never been to Pennsylvania. I would like for this information to be removed as it is hurting my credit scores. Below I have included letters I sent to XXXX, Experian and XXXX  asking them to update my personal information.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have been working on repairing my credit since XX/XX/2019. Last month, when I received a new copy of my report, I noticed an address reporting that is unfamiliar to me. TransUnion is reporting the address as a previous address of mine, and XXXX  is reporting it as my current address. The address reporting is : XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. 
I am not familiar with this address and I have never been to Pennsylvania. I would like for this information to be removed as it is hurting my credit scores. Below I have included letters I sent to TransUnion, XXXX  and XXXX  asking them to update my personal information.
Consumer complaint received 2023-05-05
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am writing this complaint against Capital One. Capital One is the worst company towards millions of its customer during this current global pandemic. Capital One only has telephone representative and the wait time is over an hour every time I called their telephone service. As of now, I still have not been able to talk to a live employee of Capital One over the phone. This is the worst. 

Compared to other companies like XXXX, XXXX, XXXX, they all have email customer service support and chat, even their telephone representative were super heavily busy. All I needed was to send them an email and their employees wrote me back in two days at the latest. Capital One still does not have chat or email support during this global coronavirus pandemic-worst of all. 

Before this global coronavirus pandemic, Capital One has employees all over the world answering their telephone calls 24 hours a day. What is wrong with their employees in different countries now? why the phone lines is always over an hour wait now?
Consumer complaint received 2020-03-28
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: AES/PHEAA (TX)

Student Loans falled under XXXX XXXX XXXX XXXX XXXX   Program all loans were paid in full by Government and President Trump 's new Forgiveness Program for military Veterans. 
XX/XX/XXXX called IRS and US Treasury XX/XX/XXXX called Department of Education XX/XX/XXXX called XXXX  XX/XX/XXXX called Fed Loans And continue to called untill XX/XX/XXXX and still nothing has been done.

Remove Immediately Fed Loans Department of Education loans On all 3 credit reports and listed 6 different areas, this caused me to become XXXX
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NJ)

According to my credit reporting agencies my credit cards are owed at balance. Unfortunately, the balances are old from bankruptcy discharge or extremely old from the past 10 years. This reflection is causing a serious impact on my credit from lenders. All three credit agencies have yet to remove past good or bad credit in order for consumers to gain fair review from lenders. They continue to list 30 % of debt with {$6000.00} in credit that doesnt exist. They have also failed to remove old credit that shows derogatory thats over 7-10 years old. Therefore, me being a consumer has been trying to improve my credit for years but still havent gotten anywhere. Please help please request my credit report from Experience since your information is on their account XXXX XXXX
Consumer complaint received 2020-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

On XX/XX/2020 I went in to a Us bank branch and deposited {$5000.00} dollars and only got credit for {$500.00}. After disputing this for 2 months US bank claims theres no error or anything wrong with their machines when I simply put in XXXX bills of {$100.00}.
Consumer complaint received 2020-03-16
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)

The accounts is not belong to me or any transaction made by me. Please removed account which I did not open. 
lease investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2020-03-28
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. (NV)

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX
Consumer complaint received 2020-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (OR)

On XX/XX/XXXX I initiated an online purchase for an item from XXXX XXXX for {$300.00}. I miscalculated the purchase and my account had {$300.00}, short by {$1.00}. The transaction should have been declined by Regions bank as it has in the past. This time Regions bank authorized a partial approval XXXX  out my account. My account DOES NOT have an overdraft program intentionally. I only keep enough in my account for specific transactions. I caught the problem after the merchant notified me. I deposited {$40.00} more into my account via ATM. I asked the merchant to debit the {$1.00} difference but they couldnt. I canceled the entire order. I spoke to a merchant supervisor and she stated that the bank had authorized in error and she reordered the item requesting full payment again. Once again Regions authorized a partial payment of {$40.00} to the merchant despite the merchants request for authorization for {$300.00}, zeroing out my account.The original {$300.00} was not returned and is still showing pending. This second attempt by the merchant should have been declined as well. This is a purposeful attempt by Regions bank to charge overdraft fees. A Regions bank supervisor refused to admit any wrongdoing, blamed the merchant and lied to me claiming that the merchant must have requested a lesser amount ( RIDICULOUS ) Regions was fined XXXX XXXX 4 years ago. Its time to investigate them again. If Regions bank is trying this with me, how many hundreds of thousands of citizens are they doing this too, during a national emergency of all things ( APPALLING ). The merchant states that when an order is canceled they release all funds immediately. Regions bank still has a pending hold on my funds {$340.00} ... 24 hours later.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Scratch Financial, Inc. (CA)

Scratchpay uses XXXX to approve loans in my case for veterinary services. 

Scratchpay approved a 2 loans, one for {$200.00} and one for {$60.00}, for my pet XXXX and also withdrew a {$40.00} deposit and a {$12.00} deposit from my bank account. 

I received an email of Adverse Action based on XXXX - too many delinquent accounts - I have a 100 % stellar record with no delinquency and other misinformation on my credit report.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion website can not process a credit unfreeze, the automated attendant on the phone number continues to error and hang up, and I am unable to unfreeze my credit in order to apply for a time-sensitive credit application. This is service should NEVER be unavailable. My credit report is completely inaccessible to creditors and there is no timeframe for when I will be able to access it.
Consumer complaint received 2020-04-11
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: LEXISNEXIS (TX)

I filed a bankruptcy in 2014, I did not consent for XXXX XXXX to look into my records and send it to credit bureaus. 
Is this legal? 
I had bankruptcy for four months and cancelled it ... why do we have to suffer for 7 years of bad credit? 
Thank you, XXXX XXXX