davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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
Consumer complaint received 2023-01-17
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. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.
Consumer complaint received 2023-01-17
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. (OH)

XXXX XXXXXXXX $ XXXX {$900.00}, XXXX XXXXXXXX {$300.00}, XXXX  {$130.00}, XXXX. These cards were open in my name without my permission. I pay cash for everything I own. I dont believe in cards
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

After I paid off my XXXX credit cards I checked Experian on XX/XX/2023 to see how much my credit score went up as that was the only debt I had left to pay off. To my surprise, there was an unfamiliar account on my report from XXXX XXXX. I looked up XXXX XXXX on XXXX as I had no idea who or what that was. I found a customer service phone number and when I called it they confirmed that an account for {$700.00} was opened under my name and that there is currently a {$500.00} balance remaining. They also informed me that it was for a purchase made on XXXX. I went to XXXX and it's not even a valid website as the domain is for sale. I have no clue who opened this account and did not authorize it. I'm assuming identity theft & fraud has occured so I froze my social security number AND credit, put a fraud alert on my credit, reported it to XXXX, filed a police report, filed a dispute with Experian which they did not fix the issue and filed a complaint for fraud with XXXX XXXX. I have gotten the run around with XXXX XXXX. They told me someone would contact me in XXXX business days to follow up and XXXX business days went by and nobody from XXXX XXXX contacted me. I called again and they said their supervisor was handling it and would call me back in a few hours which they never did either.
Consumer complaint received 2020-01-17
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. (TN)

I have previously reported these accounts as inaccurate and they were remove. Now they are reporting as closed negative accounts on my credit please help me resolve this issue for a final time. The following accounts need to be BLOCKED AND DELETED from my credit file please. 

XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00}
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2023-01-17
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. (GA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union and XXXX refused to remove the hard inquiries that I did not put there. I never applied or attempted to apply for XXXX XXXX  or any other those things I asked them to remove it. I sent them copies of my ID my address and still nothing. I asked to show me proof For the attempt of applying for cards nothing was sent also One of my debt was paid off in full. I asked him to remove the hard inquiry. They said I have to stay here for 10 years even though I paid.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OH)

My US Bank Kroger rewards credit is scheduled to auto pay on the XXXX of every month. On the XXXX of this month, I made an early payment and not waited for the auto payment date knowing that this early payment will satisfy the automated one as I have done with my other credit cards. I checked my statement on the XXXX to double checked if my payment was accepted as this month 's payment. I printed my statement and on it stated that " THERE'S {$00.00} DUE ON THE XXXX. '' I SENT THEIR CUSTOMER SERVICE A TEXT ABOUT THIS EARLY PAYMENT SO THEY WON'T DEDUCT ANOTHER ONE ON THE XXXX. The same Company victimized my wife 's credit card account by double deducting payments under the similar early payment circumstances. That's the reason I sent them a text advise about my early payment to avoid the double payment incident happening to me. They didn't listen to it and deducted another payment today, the XXXX. We are retired and on a fixed monthly income and also physically handicapped to worked a few hours to cover for the {$47.00} the deducted illegally so we won't go HUNGRY FOR A FEW DAYS. The company should be stopped and fined for this ugly, false and misleading information and practice. I hoped I get a fast resolution. BY THE WAY, THIS ISN'T THE FIRST TIME WE'RE VICTIMIZED BY THIS UGLY BUSINESS PRACTICE.
Consumer complaint received 2020-01-17
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: Santander Consumer USA Holdings Inc. (LA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with Fair Credit Reporting Act consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.15 U.S.C . 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-01-17
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)

The credit reporting agencies are showing two accounts on my report as though I am an authorized user. I do not know anyone that has a XXXX XXXX card or a XXXX XXXX. Also Equifax is reporting an inquiry with XXXX which I did not apply for. That was a fraudulent account and they did remove the actual account but not the inquiry.
Consumer complaint received 2023-01-17
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: Diversified Adjustment Service, Inc. (MD)

I received notice from a credit monitoring service that a new collection account was added to my credit file. 
I am not familiar with the creditor and have never been notified via USPS or email of such intent to collect on this supposed debt. 

I am concerned that no basic action of collection or notification took place prior to this collection account appearing on my credit-negatively affecting my credit score. 

I have asked the credit bureaus to dispute this information, on my behalf, however the dispute came back with results that said, " this account is verified by the company as being accurate '' and will remain on my credit. 

How is this possible when I was never notified of the intent to report to the credit agencies. 

THIS IS SO UNFAIR. My prayer for relief is that this account be removed, and the proper collection actions take place which allows myself and other consumers the chance to validate and/or pay this debt in the allowable timeframe my law. 

I was not given that option-now this collection account appears on all 3 of my credit reports negatively affecting my credit score and history.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NJ)

I was trying to open an checking account with Wells Fargo I currently have no issues with them as of in now they sent me a rejection letter stating that I should check my credit report which I did and It has nothing on it that is suspicious on it that should raise a red flag on all of my reports I also check XXXX XXXX I have no bad checking accounts on file with them I had or any other banks. I had checking account with them in the past when I closed it was in great standing also as far as I'm concerned when applying for a checking account they should not be checking my report I did not volunteer that for that especially if it is checking account that is unethical business practices they can't even gave me a clear reason as in why my checking account application can't not be approved I also reported it to them as well and I have a case with them so I also wanted to file a case with you guys to I can get the case rolling please and thankyou
Consumer complaint received 2020-01-17
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 credit reporting agencies are showing two accounts on my report as though I am an authorized user. I do not know anyone that has a XXXX XXXX card or a XXXX Card. Also  XXXX  is reporting an inquiry with XXXX which I did not apply for. That was a fraudulent account and they did remove the actual account but not the inquiry.
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (NJ)

On XX/XX/XXXX we had someone come to our house to give us an estimate of how much our new windows will cost us he then said it will be {$5300.00} if we pay by XX/XX/XXXX but any day after XX/XX/XXXX the Company Greensky ( Loan Company ) will then start charging me interest which i understood .I come to find out the the Company Greensky which gave me the loan for the windows are stating that i was given false information by the representative that came in that date and that the promotion was only for 12 months and not 18 months which would of been XX/XX/XXXX XXXX then find myself with the surprise that not only i been late but i now have to pay from {$5300.00} to almost {$8000.00} since they gave me False information .What i ending up doing was paying the 3 months that was " late '' which was {$630.00} for it not to affect my credit since this shows up in my credit report.
Consumer complaint received 2020-02-07
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. (AR)

I decided to get my credit report pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I received my report I was caught by surprise with a couple of items on my report I have never heard of in my life. The things listed on my application do not belong to me. Please remove the items from my report. 

XXXX XXXX XXXX  I XXXX {$790.00} XXXX XXXX XXXX {$22000.00}
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (FL)

I was contacted by Credit Corp Solutions Inc ( CCSI ) via phone stating they acquired a debt from XXXX and I owe them {$53.00}. I never had a debt with XXXX for {$53.00}. I have also been a victim of identity theft, which continues to plague me. I spend countless hours dealing with this type of harassment and I'm fed up. CCSI has now mailed me an affidavit to fill out regarding the debt, which requires a notarization. I do not know a notary, nor do I feel I should be burdened with trying to obtain and pay for a notary for a debt that is not mine. I do not have the money to run around town looking for a notary and to pay for the service. I should be compensated for trying to fix a problem that is not mine and for the incompetency of a company who falsely issued a service/product in my name. Finally, I filed BK in 2020 and whatever debts that were and were not mine should be protected under the filing.
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

I accepted an agreement with Chase for mortgage assistance back on XX/XX/XXXX in which I would pay {$100.00} per month for XXXX XXXX The program ended on XX/XX/XXXX. When I called to make a payment on XX/XX/XXXX, I was told to make another payment of {$100.00}. I did that. Later in XXXX I filed for additional mortgage assistance with Chase. In XXXX of XXXX, I was told that I was turned down for additional mortgage assistance. I am now working to pay the balance owed after the first mortgage assistance expired. However, on XX/XX/XXXX, Chase sent a delinquency notice to the credit bureaus stating that I missed my payment for XXXX. That is not correct. I am current through XXXX and am working to be current for XXXX as well. I have contacted Chase about this and they refuse to assist me.
Consumer complaint received 2020-01-17
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. (FL)

Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding this account in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. This account has to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Reporting on : Equifax XXXX  XXXX
Consumer complaint received 2023-01-08
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (ME)

in XXXX i received a call. my phone identified it as td bank. he told me that my account was hacked and did i want to close the account. i texted back yes. the next day i went to the bank and found out i was hacked. the bank reimbursed me. XXXX of XXXX i received a letter stating that their investigation found that it was a legitimate transaction and they wanted {$1000.00} back which they they took out of my account. i did not authorize the transaction i want the money back
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On or around XX/XX/XXXX and again on or around XX/XX/XXXX someone has submitted a credit card application in my name. The first instance in XXXX was for a Bank of America-based credit card. The second instance in XXXX was a XXXX XXXX XXXX credit card. 

I have contacted both Bank of America and XXXX XXXXXXXX XXXX and notified them of the fraud. They closed the application for both of these credit card applications. 

I filed a police report with XXXX  ( XXXX XXXX XXXX Florida XXXX XXXX XXXX for the Bank of America credit card fraud application. I have not yet filed a report for the second fraud application for XXXX.
Consumer complaint received 2023-01-17
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)

I also checked my Equifax credit report and I still see the Bankruptcy that I have filed a complaint before and it is still on my credit report. This XXXX XXXX bankruptcy is said to be erroneous. The Equifax and the company failed to provide proof and I never received any proof of the investigation was conducted, which I have been requesting for several times.