davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Credit Recovery, Inc. (MS)

southern credit recovery {$200.00} account # XXXX i have no knowledge of this balance, and this collection was done without my knowledge or consent i called i called them directly about this account but they refused to cooperate with me i also called XXXX, XXXX, XXXX  they were willing ti cooperate with me of this fraudulent error by the collections department
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Verisk Analytics Inc (CA)

XXXX XXXX ( by Verisk ) can not provide consumer report per FCRA. 

Per the company 's website https : //fcra.verisk.com/, the only method to request for a consumer report is to call the XXXX Consumer Report Request Line at XXXX. 

However, no one answered the phone after a dozen of attempts ( within company 's business hours ). Therefore the company makes the consumer report inaccessible to consumer.
Consumer complaint received 2020-12-15
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. (MD)

The XXXX XXXX  Account is Inaccurate and Fraudulent Info reporting on my credit profile The dates of reporting are inaccurate and its been over 7 years on my credit report XXXX XXXXemove it from my credit report and it should be remove from the other credit report companies XXXX and Equifax
Consumer complaint received 2021-10-20
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. (TX)

XXXX XXXX {$2600.00} Closed 13 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$2600.00} {$3800.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$690.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 120 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX XXXX XXXX - On Time XXXX  Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account closed at credit grantors request Your statements- Contact XXXX XXXX XXXXXXXX XXXX XXXX XXXX SD XXXX By Mail Only Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Payward Ventures Inc. dba Kraken (NJ)

At Kraken Exchange, on XX/XX/20, early AM, I opened a 6 XXXX  long position ( 2x leverage ) at {$18000.00}, with a stop-loss at {$17000.00}. At XXXX when XXXX was trading up around $ XXXX {$19000.00} and the buy-sell volume increased on the platform, my position was liquidated at {$17000.00} and - {$9500.00} was deducted from my account. A position that should have been up a few thousand dollars at the time was liquidated. They claim that they had a candle wick go all the was down to {$16000.00} at XXXX, meanwhile the candle body was $ XXXX {$19000.00}. The exchange was that illiquid and couldn't handle all the orders so my position was stopped out at {$17000.00}. XXXX and XXXX US didn't have this {$16000.00} XXXXXX/XX/XXXX, only Kraken. 
Kraken offered me double the amount of the loss in XXXX credits to be used only for trading fees. I said no thankyou. They refused to refund my {$9500.00}. I have since requested my account to be closed.
Consumer complaint received 2020-07-25
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: BARCLAYS BANK DELAWARE (NC)

I have a loan with BRCLYSBANKDE and BRAND BK/GS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BRCLYSBANKDE and BRAND BK/GS with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-10-20
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)

XXXX and Equifax are violating the United States federal code law under 15 U.S. code 1681b - Permissible purposes of consumer reports I never gave them or the companies below any written consent to report anything on my consumer report or consent which is identity theft. 

XXXX Inquiry : Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXXXXXX XXXX Date : XX/XX/2021 Account Name : XXXX XXXX  XXXX Date : XX/XX/2021 Equifax Inquiry Account Name : XXXX, Date : XX/XX/2021 I have sent them a letter stating that they have violated these laws and they have still not deleted this from my consumer report.
Consumer complaint received 2020-12-15
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. (PA)

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.
Consumer complaint received 2020-02-01
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: Experian Information Solutions Inc. (IL)

The closed accounts listed below are not my account/creditors, however its on my credit report. 
XXXX XXXX XXXX - Account number XXXX Amount {$1700.00} Date XX/XX/XXXX XXXX XXXX- Date XXXX XXXX ; Amount {$12000.00} XXXX XXXX-Date XXXX XXXX Account number XXXX ; Amount {$250.00} Bankruptcy- Account number XXXX, Date XXXX XXXX and XX/XX/XXXX Bankruptcy - Account number XXXX ; Date XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX- Date XX/XX/XXXX, XXXX Amount {$23000.00}
Consumer complaint received 2021-10-20
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: I.C. System, Inc. (NC)

I initially contacted XXXX on XX/XX/2021 via written communication concerning an item listed in collection for the amount of {$210.00} published on my report by I C Systems. I disputed the item as " questionable '' as I have no idea as to why this is listed on my report. At the time of initial dispute " Affected by natural disaster '' was reflected in the comments. Prior to obtaining a copy of my credit report I had no communication verbal, written or otherwise with the collection agency nor have I recently been affected by a natural disaster. 

The result of that dispute was that the item was " verified '' and the " Affected by natural disaster '' comment was removed. I subsequently submitted a dispute for method of verification on XX/XX/2021. I asked specifically for ALL correspondence and conclusive documentation of my ownership of alleged debt. The response I received on XX/XX/2021 was a general response as to how XXXX conducts its investigations. It is my belief that this item in fact has not been verified and they have failed to comply with my request to properly investigate and delete from my report. 

To date, I have not received any form of response from I C Systems as result of this indirect communication. The item in question is still published to my credit report and the collection agency continued to report while in dispute.
Consumer complaint received 2017-09-19
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. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
Consumer complaint received 2021-10-20
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. (CA)

SEVERAL YEARS AGO MY PERSONAL INFORMATION WAS COMPROMIZED THROUGH XXXX DATA BREACH. I HAVE RECEIVED A LETTER WHICH SAYS TO BE AWARE SO MY IDENTITY WAS COMPROMIZED. AFTER A YEAR I HAVE RECEIVED SEVERAL LETTERS FROM DIFFERENT COMPANIES THAT I HAVE OPENED AN ACCOUNT WITH THEM AND DID NOT PAY UNDER SOME FRAUDULENT ADDRESS. I HAVE CALLED AND NOTIFIED ALL THESE CREDITORS AND ALSO I HAVE CONTACTED THREE MAJOR CREDIT BUREAUS AND ADDED A SEVEN YEARS FRAUD ALERT. CREDIT BUREAUS ADVISED ME TO GET AN IDENTITY THEFT REPORT AND FORWARD IT TO THEM SO THEY CAN BLOCK THESE FRAUDULENT INFORMATION. IT HAS BEEN OVER SIX MONTHS THAT I HAVE FORWARDED THEM ALL THE REQUESTED INFORMATION BUT CREDIT BUREAUS REFUSED TO BLOCK OR REMOVE THESE FRAUDULENT INFORMATION THEY NEVER SENT ME ANY RESULT OF INVESTIGATION. I HAVE CONTACTED THEM BY PHONE AND BEEN TOLD THAT THESE INFORMATION WILL STAY ON MY REPORT FOR SEVEN YEARS. THESE FRAUDULENT INFORMATION IS REALLY HURTING MY CREDIT RATING AND MY LIFESTYLE. 
I HAVE JUST BEEN A VICTIM AND NOW SUFFERING BECASUE XXXX COULD NOT PROTECT MY PERSONAL INFORMATION. PLEASE HELP.
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-12-15
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)

I e reached out several times advising this bank that I did not open an account and Id like to see a signed document as to who authorized an account to be opentin my name. The will never send anything and this is hurry to my credit .this company wants me to pay for their actions by opening an account with no identification and if so a they have yet to send me documents to assure that they did not allow anyone to steal my identity the bank is XXXX XXXX  XXXX XXXX XXXX XXXX Florida
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I made a payment via electronic banking to Home Depot Credit Services in the amount of {$5100.00} on XX/XX/XXXX. Unfortunately I intended for it to go to my Home Depot Project Loan account but I sent it to a Home Depot credit card account that is closed due to inactivity. 
I contacted Home Depot and they claim no knowledge of my payment. I never received any notice the credit card account was closed nor any communication about my money being received or being returned. 
They will not provide any phone number for their Payment Research Center, only an address to mail inquiries to in XXXX XXXX, MI. I am concerned by their actions they will attempt to steal my money and I am requesting your help.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

I had scheduled a {$1300.00} payment to pay off the balance of my American Express credit card on the due date which was XX/XX/XXXX. I observed that American Express did not process my payment as I scheduled for the due date. I immediately made the payment on XX/XX/XXXX and now have a mark on my XXXX  and credit score and a late payment fee.
Consumer complaint received 2018-08-02
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: Experian Information Solutions Inc. (IN)

On XX/XX/2018 I sent certified mail to Experian containing 3 notarized documents containing my current drivers license, social security card and proof fof residence for the last 6 years at the same address on DL. I have been experiencing issues of someone using my name and trying to obtain credit and bank accounts under me identity. 
I asked Experian to remove all the old address from my file. According to the Fair Credit Reporting Act they can not list addresses that are not deliverable to me by the USPS. I just received Report # XXXX for XX/XX/2018 and it states that they will not remove the old addresses or any other incorrect data such as misspellings of my name. 
I contacted one of my ole landlords and they told me they just received an offer for XXXX XXXX of credit approval in my name. I need these addresses deleted for security reasons. Thank you for your assistance. Also XXXX and XXXX XXXX have already removed the old info.
Consumer complaint received 2022-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

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 COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2021-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I HAVE A XXXX ACCOUNT APPEARING ON MY CREDIT REPORT THAT I THINK IS LINKED TO MY IDENTITY THEFT CASE FILED BACK IN 2019
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I have reached out to Exquifax and XXXX XX/XX/2019 to verify this debt and have yet to get a response as it has been passed 30 days but they have updated the balances on this account when this is a charge off and should not be reporting a balance. Theres also  several violations with the way this account is reporting as well for example both bureaus are reporting a different high balance, a different date of the opening of the account, reporting the account as not disputed, the payment statuses differ as well as the last payment dates. The term length is not listed with Equifax which is another violation! According to the FCRA all bureaus should be reporting the same information across the board. All of this information is inconsistent, and inaccurate.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I am looking back at some descrepancies in insurance check deposits at Chase bank for personal checking account in 2012. I requested the check images which Chase saves and uploads to online banking for me to view. The images for 2012 are not available and when calling customer service, they stated they can only go back 2 years. I don't believe the check images are deleted, instead archived. Chase should not hold back potential evidence that I require as a customer. The check deposit images are mandatory and in the world of big data, Chase may be withholding my check deposit images from my viewing to prevent me from filing a complaint if descrepancies are found.
Consumer complaint received 2019-08-29
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. (IL)

The following accounts are reflecting the wrong balances. All the following accounts should be reflecting XXXX balances. 

XXXX XXXX XXXX Closed Account Showing Balance of {$500.00} Should Reflect {$0.00} Balance XXXX XXXX XXXX  Closed Account Showing Balance of {$290.00} Should Reflect {$0.00} Balance XXXX XXXX XXXX - XXXX XXXX  Derogatory Account Showing Balance of {$160.00} Should Reflect {$0.00} Balance XXXX XXXX - XXXX XXXX Derogatory Account Showing Balance of {$640.00} Should Reflect {$0.00} Balance
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2019-08-29
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. (IL)

Below are inquiries on my report that I do not recognize along with the dates that the inquiries occurred. Can you kindly verify these inquiries and remove them? 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX