davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (DC)

I originally opened a checking account in XXXX, received a promotional bonus and closed the account in XX/XX/XXXX. After seeing an advertised {$300.00} bonus which the terms indicated was " available to new customers '' in which " new customers '' were defined as " having no current or prior checking, savings or money market relationship within the preceding 12 months, '' I opted to open a new checking account in XX/XX/XXXX with the promotional bonus applied as I meet these terms. My prior checking account was closed 23 months before the current account, thus I am a " new customer '' and eligible for the bonus. 

The bonus required that one open the " beyond checking '' account and receive direct deposits in the amount of {$2500.00} within 60 days. I met these terms with a {$2500.00} payroll direct deposit on XX/XX/XXXX. The terms dictated that the bonus would post within 140 days of opening the account. 

The bonus never posted and, after multiple messages with customer service, I was told that I do not qualify for the bonus as I had a checking account in XXXX, violating the terms of the agreement. 

A message received on XX/XX/XXXX with a customer service representative indicated that I would not receive the bonus as I received a bonus on a previous account and that the terms stated " one bonus per account per customer and can not be combined with any other offer. '' The message further states that " account XXXX earned a {$300.00} bonus on XX/XX/XXXX the anew account does not qualify as this would be considered combining with another offer, and therefore the account is not eligible for this promotion. '' However, this is clearly contradictory to the terms of the offer, misstating the published requirements to earn the bonus.
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

Dates : XX/XX/XXXX - XX/XX/XXXX Amounts : {$600.00}. - {$760.00}. 
AWA COLECTIONS are reporting false information, as this account is not mine.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

THIS IS MY THIRD COMPLAINT. 

EXPERIAN IS CLAIMING THE SUBMISSION COULD NOT HAVE BEEN SENT BY ME THE FIRST TIME.

IN MY SECOND COMPLAINT I SUBMITTED MY DRIVERS LICENSE AND SOCIAL SECURITY CARD WITH CONFIRMED ADDRESS.

MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ARE ATTACHED BELOW ALONG WITH THE 6 LETTERS SENT OVER THE LAST 12 MONTHS TO EXPERIAN.

I Have tried to dispute the incorrect information with the Credit Agency 's with little to no progress. 

I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. 

After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize.

After Writing 6 separate letters to each credit bureau, I  have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 609 and 611. The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. 

I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint. 

IDENTIFICATION ATTACHED BELOW.
Consumer complaint received 2023-03-03
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. (NY)

ONCE AGAIN THIS COMPANY HAS VIOLATED MY RIGHTS I HAVE SENT THEM THIS COMPLAINT MULTIPLE TIMES AND AT THIS POINT ITS HURTING MY CHANCE OF PURCHASING A HOME. 

THEY ARE IMPROPERLY REPORTING ITEMS ON MY CREDIT REPORT THESE ITEMS NEED TO BE DELETED ASAP. 

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. 

EXPERIAN IS A GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS TIMES. I DEMAND THE FOLLOWING ACCOUNTS LISTED BELOW DELETED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. 

- XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX. XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-12
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. (GA)

I Have been a XXXX of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I am formally demanding for the LAST time that the proper update be made to this account on ALL consumer reporting agencies as PAID IN FULL AND NEVER LATE. XXXX XXXX XXXX XXXX XXXX is insured by the XXXX XXXX XXXX XXXX ( XXXX ) and ALL accounts are backed up to {$250000.00}. Furthermore, this account is listed as a CHARGE OFF which is a certificate of indebtedness and is actually considered an INCOME per IRS publication XXXXXXXX XXXX XXXXIRS website : Canceled debt. If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in XXXX  XXXX applies. **** During dispute of this debt, I was not given proper validation even after contacting the furnisher on multiple attempts. My consumer reports NEVER showed the account was in dispute or removed within the proper time frame, even after all documentation was sent to proper parties. 

Violations listed under the FDCPA and FCRA : 15 U.S. Code 1681c-2 ( a ) 15 U.S. Code 1681c-2 ( b ) 15 U.S. Code 1681e ( b ) 15 U.S. Code 1692e ( 2 ) ( A ) 15 U.S. Code 1692j ( a ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692b ( 2 ) 15 U.S. Code 1666d ( c ) 15 U.S. Code 1681 ( h ) ( d ) 15 U.S. Code 1681m ( a ) ( 4 ) ( b ) 15 U.S. Code 1681m ( b ) ( ( 2 ) ( c ) ( ii ) 15 U.S. Code 1681m ( d ) ( 1 ) ( d ) 15 U.S. Code 1681m ( d ) ( 4 ) 15 U.S. Code 1681m ( e ) ( 1 ) 15 U.S. Code 1681m ( e ) ( 2 ) ( b ) 15 U.S. Code 1681m ( e ) ( 4 ) ( ii ) 15 U.S. Code 1681m ( f ) ( 1 ) 15 U.S. Code 1692g If the matter is not solved within 5 business days I will be filing arbitration/small claims court for all parties involved.
Consumer complaint received 2021-01-12
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I am in dispute in the amount of {$1500.00}. In XXXX I made two payments by mistake, so I called the company and they said they do not refund payments so one of the payments will go for the XXXX payment. I was fine with that. Then in XXXX my Bank sent a payment through Bill payment when I saw the funds were release I immediatly called my Bank XXXX and they said that they couldnt reverse the payment that I had to wait until it processed. I called United Whosesale Mortgage and they said that they hadnt gotten the payment to go back to XXXX in turned XXXX told me to go back the United Wholesale Mortgage and then United Wholesale Mortgage said wait to the post it and then call back. I did everything that they asked. I was told in XXXX XXXX that they would indeed refund the payment. XX/XX/2021 I called back because the funds had not caome and I was told that the papercheck was issued XXXX XXXX. I was told to wait a week and if I didnt receive the check to call back. I called back on XXXX XXXX and was told that the mail was late and give it to XXXX of next week to call back and they will escalate the complaint and give me other options. I told them that I need that payment to make the XXXX note that I couldnt afford any late charges on my account or credit. I told them that I can not afford to make another payment while waiting for them to refund me the payment. I told them I would not be making a payment for XXXX because I believe that they should put a stop payment on the so called paper check they say they sent and apply it to my account {$1500.00}. I dont care long this take and if it is not resolved in XX/XX/XXXX then I will only pay for XXXX payment.
Consumer complaint received 2023-02-09
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)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXXBANK XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX  XXXX XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$770.00XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (TX)

15USC 1681 SECTION 604 THESE INQUIRES WERE DISPUTED AND REMOVED LAST YEAR AS RESULT OF A FRAUD AND IM NOT SURE WHY THEY ARE ON MY REPORT. I KNOW THIS LAW PROTECTS ME FROM THESE INQUIRIES BEING ON MY CONSUMER REPORT BEING THEY ARE NOT CONNECTED TO AN ACCOUNT WITH ANY EXTENSION OF CREDIT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-03
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXXXXXX {$250000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$85000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$70.00} XX/XX/XXXX
Consumer complaint received 2021-01-12
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: Transfinancial Companies, Inc (LA)

I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the XXXX XXXX XXXX to my knowledge I do not recall this account with XXXX XXXX XXXX. I need this problem fix asap. I did not receive a HIPPA release form from TransFinancial Companies also I did not receive any application with my written signature. There for this debt is not mind.
Consumer complaint received 2023-03-03
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. (TX)

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 XXXXXXXX, 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I Reviewed My Credit Report On XX/XX/2024 And Noticed Several Inaccuracies For The Below Referenced Account ( Details Listed Below ). According To The FCRA, Whenever A Consumer Reporting Agency Prepares A Consumer Report It Shall Follow Reasonable Procedures To Assure Maximum Possibility Of Accuracy With The Information Concerning The Individual To Whom The Report Relates. 

XXXX XXXX XXXXXXXX The Open Date Is Not Reporting Accurately, The Date Of Last Activity Is Not Reported Accurately, The Closed Date Is Not Reported Accurately As All Dates Are Inconsistent For All 3 Bureaus.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have reached out to transition on several occasions. I reached out in writing in XXXX and again in XXXX. Transition is still reporting incorrect information. Compared to my other credit scores, transunion is a much as 40 points off. That is a significant difference caused by them not removing paid items or other items that they have not sent me the requested documentation for.
Consumer complaint received 2023-03-03
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX ( Original Creditor : AAA ) Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-12
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 am having difficulties with buying a house and applying for new credit cards. I paid the missed payments XXXX XXXX ( Opened XXXX. XXXX, 2016 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2023-03-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian adhered to my demand of removing XXXX  or from my consumer report then a few days later placed it back on as verified. I was never given further information as to how this alleged debt was validated. Im lodging a formal complaint for the PERMANENT REMOVAL AND BLOCKING OF ANY ALL ALL REPORTING FROM XXXX XXXXXXXX.
Consumer complaint received 2021-01-12
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 am having difficulties with buying a house and applying for new credit cards. I paid the missed payments XXXX XXXXXXXX ( Opened XXXX. XXXX, XXXX ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The loans have been discharged and paid in full since last XX/XX/year> and Equifax is the only one having issues reporting this correctly. They have done this to me over and over and complaint after complaint. Im buying a home and unable to do this with this problem.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had been through a scam and filed multiple claims as there were multiple transactions and as of right now two of them have been rejected as they have gathered evidence that it was not a scam. I was lied to about receiving tutoring and a software which then led to extortion. These scammers also lied about being in the country. The officer I am dealing with confirmed to me that they are using fake phone numbers to contact me. I have the surgeries involves as well. The two that have been rejected are for {$450.00} and {$360.00}. I am XXXX and I was scammed.