davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There is a student loan account " XXXX XXXX '' on my credit report that closed in XX/XX/2019 and is reporting a history of late payments, which is incorrect and deceptive information. This account was fully paid every month and closed successfully with the creditor before it was transferred and consolidated into my US Dept of Education Student loans, and yet they deceptively reported months of missed payments. I am asking for expeditious removal of this account, which is reporting fraudulent information and is in direct violation of my rights under the FCRA.
Consumer complaint received 2020-03-03
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. (MD)

I mailed a certified dispute letter to XXXX, and Experian, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both XXXX  and Experian mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date of last payment is inconsistent and inaccurate, along with the date of last active, and comment section says two different reason for account delinquency, which is miss leading and deceptive. I've made attempts to get in contact with XXXX XXXX XXXX to resolve the correct amount owe and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolved, I am looking to file civil suit because this clearly violate the Fair Credit Act.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. But I did a thorough research myself and found improper inaccuracies on my credit report even after the credit bureaus did their verification. 
XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Consumer complaint received 2020-03-03
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: EQUIFAX, INC. (MD)

I mailed a certified dispute letter to Equifax, and XXXX, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both Equifax and XXXX  mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date of last payment is inconsistent and inaccurate, along with the date of last active. I've made attempts to get in contact with XXXX XXXX to resolve the correct amount owe and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolve, I looking to file civil suit because this clearly violate the Fair Credit Act.
Consumer complaint received 2022-12-25
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)

I submitted a request to validate a debt to the credit bureau and they didn't provide me with the correct validation that I asked for. Their response was insufficient and is reporting on my credit erroneously and affecting my livelihood
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Someone used my information illegally and obtained several lines of credit fraudulently and now my credit is shot because of it. I am a victim of identity theft and trying to get back on track with everything and this is causing me so much trouble for me and my kids. Please help me. The fraud accounts are as listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2020-03-03
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: EQUIFAX, INC. (TX)

there are several accounts appearing on my credit report. i do not recognize these as mine. someone has fraudulently opened these accounts and they cant be reported on my credit. there is a XXXX XXXX/XXXX account opened XXXX XXXX a XXXX bank delaware XXXX XXXX XXXX a XXXX account XXXX XXXX XXXX a XXXX XXXX XXXX opened XXXX XXXX a XXXX XXXX XXXX co XXXX XX/XX/XXXX XXXX another XXXX XXXX XXXX co XXXX XX/XX/XXXX and lastly an XXXX XXXX XXXX XXXX XXXX was opened in XX/XX/XXXX 2013
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

In XX/XX/2019 when traveling thru XXXX airport with Delta, I was approached about opening an AMEX Delta Gold card, and would obtain XXXX bonus points/miles. I was asked if in the last year I have applied for a " Delta AMEX card '', which I had not. I had to spend x amount of dollars to receive the bonus in 3 months. I have spent that amount and when I called about not receiving my bonus points I was told that due to my credit history I did not qualify for this promotion. I told them well I was never told that when I was applying. We pay off our bills every month, I don't carry balances on any cards. After 1st customer service representative couldn't help me further. I asked to speak to his supervisor. Which I did and he told me that since I had opened up a XXXX AMEX card in XX/XX/2019 that I was not allowed to get the promo with Delta AMEX within the same year. 1st he said that I should have gotten a pop up online telling me this but when I said it was a representative in the airport he said well they should have told me. Well they didn't, or I wouldn't have opened up the card at that time. I asked who those representative were employed by so that I could make a complaint to the right place whether it be Delta or AMEX and he said they are employed by one or the other, could be either. I asked to speak to someone else to further my complaint and he was to have someone call me back in 24-48 hours. I never received that phone call. I am very dissappointed in this customer service. I should have been notified at the time of application and I was not. I feel they didn't tell me knowing that I would not finish application and then they would have not met their quota of applicants for the day. i was even more upset because later that week I received an email with an offer for more miles than I was offered in the airport. If I am not available for the promos why would they send out an email to me offering it. Especially after I had applied. The fact that when I was promised a phone call back and never received it is very upsetting. The offers were with separate companies
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with ConsumeXXXX
Consumer complaint received 2023-05-01
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 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 account. 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. Please delete the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-03
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: Experian Information Solutions Inc. (FL)

Someone used my information illegally and obtained several lines of credit fraudulently and now my credit is shot because of it. I am a victim of identity theft and trying to get back on track with everything and this is causing me so much trouble for me and my kids. Please help me. The fraud accounts are as listed XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I disputed with TransUnion about a XXXX collection account on XX/XX/2020. I also disputed this unverified account with XXXX and XXXX. This account was removed from XXXX   and XXXX reports due to being unverified, but Transunion deemed it verified, how is this possible without having proof of verification?? XXXX  and XXXX credit reporting agency removed it according to standards of the fcra as it was supposed to be removed if unverified, but yet TransUnion deemed it verified. I asked for proof of verification from both TransUnion and from XXXX collection directly and have not received anything from either. so if XXXX was not able to verify the account, XXXX and XXXX deleted it as they were supposed to by law. How is it that TransUnion found this verifiable and continue to report this on my account. I want this account deleted from my report due to being unverified!!!
Consumer complaint received 2023-01-23
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted my bank statement and proof from direct deposit company that I have paid as agreed but they kept saying that my payments were late. I then switched from XXXX XXXX to XXXXXXXX for direct deposit and all of sudden my payments were on time although they are being cleared during the same time frame. Once I received my XXXX from XXXX there was NO late fees indicated on there but they were charging for fees for having another company processing my direct deposit and yet still reporting that I paid 3 months late until I switched over ... I consider that extortion. They will NOT change the report even though they received the money.
Consumer complaint received 2020-03-03
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: EQUIFAX, INC. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans or gave anyone authorization to. I have never went to school. I opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT EDXXXX XXXX {$3600.00} DPT EDXXXX XXXX {$6800.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$9100.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$570.00} XXXX   XXXX {$12000.00} XXXX XXXX  XXXX {$480.00} XXXX XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX  XXXX {$660.00}
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. These accounts and Inquiries 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 2020-03-03
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: Experian Information Solutions Inc. (FL)

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$2600.00} XXXX XXXX XXXX {$21000.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} BANKRUPTCY CHAPTER XXXX - DISMISSED XXXX {$0.00}
Consumer complaint received 2023-01-05
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: TRUIST FINANCIAL CORPORATION (MD)

I am NOT financially responsible for the real estate mortgage loan with Truist Bank formerly Suntrust Bank opened on XXXX in the amount of {$32000.00}. It belonged to my mother. I have NEVER signed as applicant, co-applicant or guarantor for any loan or real estate mortgage reporting on my credit file with XXXX and XXXX. Truist bank is FRAUDULENTLY verifying that the information reported is accurate which is AGAINST THE LAW. I am requesting that TRUIST bank deletes the loan account from my credit profile IMMEDIATELY. Should they refuse, I request that they supply you with the record of original loan application and settlement documents with my signature as evidence that I am a signor of the loan in dispute.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NC)

I paid my lease off and was told that I would receive an invoice for going over on mileage or any repairs. Once I received that invoice, I paid it within the following week. I then noticed that the last payment was reported to my credit as a late payment. I have reached out to the many times now and they have confirmed that it was never late and that the late payment would be removed. They then would send me a letter stating that it was never late. That was XXXX and I have reached out to them multiple times to let them know that it was still there and they have done nothing. Now today, I was told that GM Financial has advised the bureaus not to accept the letter that THEY sent me stating that I have never had a late payment on the account.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (WA)

A man saying he was from Truist Bank fraud claim some one was trying to open an account in my name then he tried to get personal information from me. He called from XXXX. He hung up when I refused. 4 minutes later a woman called saying she was from Truist Bank XXXX XXXX XXXX. I told I was calling law enforcement. Her Name on the caller ID is XXXX XXXX. I call the Real Truist Bank but you can not get a live person on their fraud line.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NH)

Navient is stating that only some of my student loans are delinquent when there has been a federal hold on all student loan payments. I asked them to explain this and to send information and which all they stated was that these were unsubsidized there for needed to be paid. I asked for them to explain this because I have many more unsubsidized loans through Navient and they were not telling me that all of them were due only specific ones and they were not able to explain why and the difference between the loans only that I needed to pay. This has significantly impacted my credit score without a reason why this is happening. I have disputed with all 3 credit report companies, and they have stated the same, that they are staying with Navient 's report. I need someone to explain why I am being impacted financially when Navient has not been able to give me a reason, I have over {$120000.00} in student debt and Navient is only reporting {$40000.00} as not being paid, what about the rest? All of the student loans are direct subsidized and unsubsidized through the US Government, not private loans and there has been a 3 year hold.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a derogatory remark on my credit from Bank of America, which states that I have a delinquent account with them even though the account was paid in full as of XX/XX/2019.