davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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. (NJ)

XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/XXXX and I am yet to get a response Regarding this debt from XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Consumer complaint received 2022-10-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (GA)

MEDICAL DATA SYSTEMS , INC . reported a bill to collections that they never sent to me. My bill from " XXXX XXXX XXXX XXXX '' amount is {$610.00} but I have no knowledge of this bill and this is messing up my credit score. I would like this to be disputed.
Consumer complaint received 2023-02-09
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Consumer complaint received 2022-10-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2017-12-25
Product: Credit reporting, credit repair services, 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. (LA)

i was purchasing a car from XXXX XXXX and when i looked at my credit report there were several hard inquiries that i did not approved. I was given XXXX XXXX but several other inquiries from other loan companies. I told equifax but no help.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, 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)

i was looking over my credit report and saw i had some inquiries on my report that wasn't mine I didnt give these company permission to run my credit. XXXX XXXX XXXXXXXX on XXXX and XXXX XXXX XXXX XXXX  on XXXX and XXXX XXXX on XXXX XXXX XXXX on XXXX XXXX, XXXX on XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX .am a vitem of identity theft please delete these inquiries immediately
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I disputed a charge immediately after purchasing a product online as I was concerned with the legitimacy of the product and that I may not receive it. I have emails sent to the merchant to cancel the product and requested for a full refund but did not hear back from them. My bank did not ask for this information, although they should have as this could have resolved the matter. I now have a temporary charge reversal on my account and am without {$99.00} because the claim submitted did not go in my favor. I have contacted the bank 's fraud department and am advised to upload documents to the message center in my online account. I will do so. However, this is unacceptable. I need that money. I never received this product and paid a lot of money for it. The merchant 's information is listed in foreign lettering and their email is questionable. As stated, I requested for a full refund online and did not want this product immediately after purchasing the item. Please help me resolve this matter. 
Attached for review are the purchase order with the merchant 's email listed. The second attachment is the email sent to the merchant where I am requesting to cancel the order and for a full refund. This was sent later in the day when I initially purchased the item. The merchant never responded to me.
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (PR)

This is NOT a duplicate complaint to previous one filed.- XXXX US Bank has NOT paid the fine authorized by CFPB for {$37.00} XXXX or the fine for opening unauthorized accounts in XX/XX/XXXX : XXXX XXXX XXXXXXXX US Bank has NOT paid the fine authorized by Southern District of New York fines that were supposed to be paid in XXXX two years after the lawsuit in XXXX for {$520.00} XXXX : XXXX XXXX XXXXXXXX US Bank opened several unauthorized accounts and money transfers in XXXX. 

1 ) Unauthorized opening of guardian account for XXXX XXXX by XXXX XXXX without a guardianship award by a court of law 2 ) Unauthorized transfers of XXXX XXXX 's money, over {$10.00} XXXX, from Oregon US Bank accounts into XXXX XXXX 's online US Bank accounts in Florida and monthly guardian account transfers 3 ) Unauthorized changes of US Bank IRA beneficiaries on XXXX XXXX 's accounts by XXXX XXXX enabled by US Bank 4 ) US Bank Non-compliance with subpoena in XXXX 5 ) US Bank is responsible for money laundering and BSA violations of stolen money from XXXX XXXX 's accounts US Bancorp refused to pay the {$37.00} penalty levied by CFPB or the Southern District of New York penalty of {$520.00} XXXX for these violations
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX, I started opening my husband 's XXXX XXXX XXXX mail/bank statements as he had been in cognitive decline, with no business for over 2 years. I discovered a Small Business Credit Card statement from BANK OF AMERICA with a balance of approximately {$4000.00}. Payments had not been made by my husband for a few months. Since XXXX of XXXX, time of discovery, I have been making monthly payments, always at least a bit above the minimum required amounts. We are living on Social Security and my part time XXXX XXXX wage. The only activity on this account for several years now, have been my regular monthly payments and Bank of America 's interest charges. After 14 months, the balance still stands at {$3200.00}. 

Many attempts in person, on telephone have been made to reach resolution, make a settlement offer or at least reduce the interest rate on this dead account. After getting nowhere with my husband present, I obtained DPOA in XX/XX/XXXX. This is when he was formally diagnosed with XXXX XXXX XXXX. There was repeated misinformation given in the local financial center and over the phone on how to get my certified, notarized DPOA copies to the right Bank of America location. My DPOA forms have been sent three times since XXXX of XXXX, following three inconsistent instruction on the proper procedure. 
There have been literally tens of hours on telephone with offices in New Mexico, Delaware, South Carolina ... maybe others. I have worked my way up telephone heirarchy tiers to reach managers on several occasions, all promising to call me back with help/information re : a resolution or settlement procedure. Not one call back. 
Many calls have been dropped after hour-long holding or runaround processes. Most managers have said there is no sign of having received my DPOA. On XX/XX/XXXX one manager DID acknowledge that my DPOA actually had been received, but that it had not been " entered into the system. '' I have this manager 's first and last name. He promised to call me back with information the following day. I was hopeful. No call. 
On fruitless calls with managers since then, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX and XXXX I was NOT helped after lengthy shuffling. Some calls were often dropped with no call backs. Apparently, at present, there is no sign that I have DPOA for this old inactive business account. I have regularly made 14 monthly payments since discovering my husband 's debt while interest fees continue to pile up. After frustration and misinformation I had to let it go for the last few weeks. 
Now I have found out about possible help from CPFB.
Consumer complaint received 2023-02-08
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. (PR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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. (PR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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. (PR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2022-10-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

For the past 5 months, Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Reporting Agencies look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but to file the lawsuyit that we have been preparing against the Credit Bureaus. 
XXXX XXXX XXXX XXXX : {$430.00} How many times do I have to point out that this account 's payment history is inaccurate and deceptive? I have been contesting for the removal of the late payments from this Account 's payment history in order to repair this account, but you have done nothing. Please entirely remove the past-due payments from this account. 

XXXX  XXXX XXXX Balance Owed : {$0.00} You continue to list this account as being past due despite the fact that it has been closed and has no balance. Credit Reporting must be accurate in accordance with the Fair Credit Reporting Act. How can you incur late fees on a closed account with a {$0.00} balance? I need you to entirely remove this account from my credit report or to remove the account 's history of late payments. 

XXXX XXXX XXXX XXXX : {$160.00} I can't possibly be late with this account report 's dates. I've been maintaining a separate record of payments, and their information differs from mine. Credit Reporting must be accurate in accordance with the FCRA. I ask that you either totally delete this account from my credit report or erase the late payments from the account 's payment history. 

XXXX XXXX XXXX XXXX : {$2600.00} Accounts with chargeoffs must indicate a zero balance! Since there is no question that this account is a charge-off, how could you record it with a balance of {$2600.00} if it is a charge-off? I've been asking you to clear the balance and update the account 's payment history, but you've remained silent. I'm asking that you immediately delete this account from my credit history.
Consumer complaint received 2023-02-08
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. (PR)

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 Balance : {$0.00} XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$4700.00XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX Balance : {$6800.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$4700.00}
Consumer complaint received 2023-02-09
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)

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-08-18
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$580.00} XXXX  XXXX {$490.00} XXXX  XXXX {$400.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$1500.00} XXXX XXXXXXXX {$830.00} XXXX XXXX {$760.00} XXXX XXXX {$720.00}
Consumer complaint received 2022-11-14
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. (DE)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : XXXX After recently pulling my credit report from your Bureau , I, in accompany with my attorney, instantly pointed out that I have been reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). I also see that according to the reports I was late XXXX days in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( s ) # : ( XXXX ) AND ( 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : States a creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!! AT THIS TIME I AM SEEKING LEGAL ACTION AGAINST THE BUREAUS.
Consumer complaint received 2023-04-09
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: Possible Financial Inc (MI)

In accordance with the fair credit reporting act, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and POSSIBLE FINANCIAL, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604a states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a credit card account under an open end consumer credit plan as late for purpose. I request that you remove this information from my credit report or investigate the accuracy of it. Please verify the information with the creditor and provide me with documented evidence of the verification process.

As outlined in 15 U.S. Code 1681e, you are required to comply with reasonable procedures to assure the maximum possible accuracy of the information contained in my credit report. If, upon investigation, you find that the disputed information is inaccurate or incomplete, you must promptly delete, modify, or correct such information or block the reporting of the disputed information, and inform the creditor of the same. 

I expect a response from you within 30 days of receiving this letter, as per the Fair Credit Reporting Act 's requirements. Failure to do so may result in legal actions.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.