davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-12
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: Experian Information Solutions Inc. (OH)

Dear CRA, My name is XXXX XXXX XXXX, my SS # is XXXX. 
I am sending this dispute THROUGHT CFPB make sure you receive i. 
There is no such judgment of record for XXXX XXXX from this Court for this date for this amount from this creditor. 
I have certified documentation from the Court that supports my dispute of this erroneous entry on my report.

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. 
Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from XXXX XXXX XXXX credit reports. I demand the account be verified or removed immediately!
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I do not recognize this account and have never had a debt with this creditor. I do not know where they came from. Maybe you are mixing up this account with someone that has a similar name as me. Also, I have no idea of any of these inquiries. Please investigate incorrect information.
Consumer complaint received 2018-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

On Saturday, XX/XX/XXXX, I checked my PNC Bank account and saw that my balance was {$1000.00} lower than I had expected. I called PNC Bank, and they told me that someone had used my identity and walked into a PNC Bank branch on Wednesday, XX/XX/XXXX, and withdrew {$1000.00} from my checking account. The fraud services representative at PNC Bank then compared the signature from the {$1000.00} withdrawal against my signature on file from when I opened the account, and noted that they did not match. Upon further investigation, PNC Bank called me later that week and told me that this incident occurred at the branch on XXXX XXXX XXXX. I was told by the fraud services representative that the {$1000.00} that was taken from my bank account would be returned to me within 3 days of my initial phone call to them on XX/XX/XXXX. I have not yet received the money, and have made repeated phone calls asking why. Each time, PNC 's response is vague and and unhelpful, and I am concerned that the {$1000.00} that was taken from my bank account will never be returned to me.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I need to update me credit file. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX , XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My current employer is XXXX XXXX XXXX XXXX, XXXX XXXX SS XXXX MY DOB XXXX I was viewing the rest of my report and I noticed there were unverified account I do not recall ever doing business with these companies XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Consumer complaint received 2022-02-06
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. (NC)

I have recently reviewed my credit report and found a duplicate account that does not belong to me. I have reached out to the company via letter already to have the issue investigated and delete and I have to received a response. This information is damaging my financial profile. There is another account on my credit report that does belong to me but the account has been paid off. Please help me remove this duplicate account asap so that i can fulfill my financial obligations in a timely fashion. None of the dates are adding up at. I was advised by a financial lawyer that i have a right to an accurate credit report. I have attached a copy of my letter as well as the duplicate account in question. 


Date Opened : XX/XX/2016 Account number : XXXX Account Status : Derogatory Thanks
Consumer complaint received 2018-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NH)

I ordered and received 3 pair of shorts from XXXX on or about XX/XX/2018. I returned all 3 pair  in same pkg on XX/XX/2018 prior to receiving my statement. When I received my statement I noticed a late payment fee so called on XX/XX/XXXX and spoke with several customer service representatives and was told they would waive the late fees and I only had to pay {$9.00} to pay balance which was for shipping label I used to return the shorts. I paid it that night and have received another statement for late payment from XXXX. Apparently the 3rd pair of shorts was never credited. I emailed customer service on line and was told they only showed credit for 2 pair! This is obviously an error on XXXX or XXXX part. I am disputing the balance! {$9.00} plus late fees. Bringing balance to {$34.00}!!! Also XXXX reported late payment to credit reporting agencies which has affected my credit score. I reported dispute to them as well.
Consumer complaint received 2018-08-12
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: EQUIFAX, INC. (FL)

On XX/XX/2018 I submitted a dispute to Equifax stating that a hard inquiry by XXXX XXXX XXXX dated XX/XX/2018 on my Equifax was NOT approved by me. 

On XX/XX/XXXX Equifax replied with confirmation Number XXXX statingthey had investigated the dispute and did NOT remove the hard inquiry form XXXX XXXX XXXX. They provided me with the following invalid address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wrote a letter to XXXX XXXX XXXX using that address and my letter was returned by post office as NOT deliverable.
Consumer complaint received 2023-08-16
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. (NY)

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 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 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 2022-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened 2 checking and one savings account on XX/XX/2022 with Bank of America XXXX in XXXX, TX. To fund the accounts, I deposited a Cashier 's Check from XXXX XXXX in the amount of {$120000.00}. I was told that " a little over {$5000.00} would be available in a couple of days, no later than XX/XX/XXXX '' and that the remaining funds would be available " a couple days after that ''. Bank of America gave me a receipt for the deposit, dated XX/XX/2022 and a Notice of Hold indicating that {$110000.00} of the {$120000.00} deposit was on hold and would be available on XX/XX/2022 at XXXX. 
On XX/XX/2022, I checked my account on my BofA App and saw that the funds were available. I can not recall the exact amount, but between {$5300.00} and {$5700.00}. I then switched over several of my credit cards, utilities, services that were set up on auto pay to my old account with XXXX to my new account with BofA. Only two drafts were scheduled to occur prior to XX/XX/XXXX and those two totaled well under the {$5000.00} plus I had available. On XX/XX/XXXX at XXXX, BofA sent me an email indicating they were putting the entire {$120000.00} on hold and funds would not be available until the XXXX but I did not see it until the next day, XX/XX/XXXX, when I received an email making me aware of a NSF for one of the two drafts I had scheduled. I logged into my BofA account and saw they had removed the funds that had been made available to me 2 days prior and that the 2nd auto pay transaction had also failed, resulting in a second NSF. 
I tried to go to the branch on XX/XX/XXXX to resolve the issue but the branch was closed and nobody was answering the phone. So I called the customer service number on the BofA internet site. Over several phone calls I spoke to 3 different people, including the risk manager. They would not tell me why my deposit had been placed on an extended hold or why the funds that had been available for me on the XXXX were taken back. ( The third person I talked to filed an internal complaint, numbered XXXX ) They also refused to make any funds available to me so that I could honor my payments to the two institutions that had attempted an auto pay earlier in the week. 
I called XXXX to see if they were aware of any issues with their Cashier 's check from their end. They said there were no problems on their end and that it was ridiculous that BofA was taking that long to validate the check. I see on your site that holds on deposits for new accounts are common, especially larger deposits, but that a minimum of {$5000.00} is to be made available to the account holder within 2 business days and the remaining is to be made available no later than 9 days. They have not met the {$5000.00} in 2 business days obligation and have provided no explanation for the delays.
Consumer complaint received 2022-02-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (CT)

The company I'm dealing with is XXXX XXXX XXXX. They call multiple times a day harassing me about a debt I believe I'm not responsible for. It is a XXXX phone bill. The debt is now over 6 years old I've been called by them hundreds of times over the years and they keep re aging the debt on my credit report it is currently saying debt is only 1 year 3months. I've disputed this as fraud multiple times but no one on there end cares. XXXX XXXX XXXX is crossing the line with harassment tactics.
Consumer complaint received 2018-05-03
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. (GA)

The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-07-04
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. (NE)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX 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 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 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 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 2022-07-25
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. (MD)

My son who has an XXXX account gave me a card to use for emergencies. I now have his account on my credit report as belonging to me which is lowering my score. His balance is more than I make in XXXX XXXX as I work part-time. I am about to purchase a car and my credit score should be higher but because of this error on my report, it is not. 

I have complained to Experian twice, explained the situation, sent them his contact info. They refuse to remove it. I am NOT in any way responsible for paying this bill which runs {$37000.00} a month. 

Please help.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

1. XXXX XXXX XXXX  is reporting to XXXX XXXX and the three major credit bureaus such a XXXX Equifax and XXXX that my closed first premier card as open with a XXXX credit limit. This is inaccurate and fraudulent. I don't have this card and it paid in full with O balance. 
2. XXXX XXXX is reporting the first premier card muliple/duplicates of the card must be deleted.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Hello, XXXX XXXX  are reporting misleading information on my credit report that should've been removed last year. These two late payments are well over 2+ years old and it's significantly impacting my credit report. My credit worthiness has taken a big dip because of XXXX XXXX  reporting late payments that shouldn't be reporting on my credit report.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX continues to reinsert three accounts that have already been settled and paid. The accounts initially reported to Transunion as a collection account on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX the debt owed was paid and settled and XXXX XXXX reported this to the bureau. Since that time the accounts have been removed 4 different times after XXXX continues to report and reinsert these derogatory accounts even though they are paid & settled as agreed upon. 

XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX-XX/XX/XXXX XXXX XXXX reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- XXXX XXXX   reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX- XX/XX/XXXX XXXX XXXX reports & reinserts all three accounts back on my report. 

XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- XXXX XXXX reports * reinserts all three accounts back on my report.

( Record of Accounts Activity & Updates attached ) In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the consumer is to be notified of any reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material.

( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such notification & this is a very serious violation of the FCRA. Not to mention, each time XXXX XXXX reports & reinserts these accounts on my Transunion credit report my credit score decreases by 20-30 points every time! When they accounts are removed I only gain 5-7 of those points back, which is tremendously affecting my credit score and creditworthiness.
Consumer complaint received 2022-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I ordered a dress from Saks Fifth Avenue on XX/XX/XXXX in Order # XXXX. The dress never arrived, and the XXXX tracking showed that it was returned to sender, Saks Fifth Avenue. However, as of today, XX/XX/XXXX, I have not received a refund. I've called XXXX twice to address this issue, but no refund is forthcoming, despite the fact that XXXX has access to the same. XXXX tracking information showing that the dress was ( a ) never delivered to me and ( b ) returned to XXXX. ( Link to tracking info : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Today, I spoke with an employee named " XXXX, '' whose employee number is XXXX. She refused to issue me a refund and refused to connect me with a manager. 

XXXX has been holding my money for over a month without delivering any product, knowing that the product was not even going to be delivered as XXXX had returned the item to XXXX.