davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2017-05-29
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. (SC)

I have made several calls to this collection agency regarding double reporting on my credit bureau report. Nobody has any desire to speak with me and just go back to the balance I owe. Date of first delinquency is  XXXX   XXXX ,  2014  and date assigned matches. They double reported on  XXXX .
Consumer complaint received 2020-11-10
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have written a check to myself from another bank account and deposited to my Bank of America account in order to move money within maybe a business day because typically this is what happens, and Bank if America has put a hold on my check for more than 10 days. 
This is an extremely long hold and it exceeds the hold within federal law of 9 days. 
Bank if Americas policy is that checks with less than XXXX XXXX funds should be made available within 3 days. My check was XXXX usd. This hold they put on my check is preventing me from paying my rent on time and causing me to pay a late fee to my landlord. 
This is absurd and they are not willing to help at all. I have tried calling them to see if they could release the hold and they simply say no theres nothing they could do.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AR)

Credit Acceptance agreed to let me skip a payment. Then they put me being late 5 times on my XXXX, XXXX, and Experian acts. This is not fair to me I never would have skipped a payment if I knew this was a result. I asked them to remove it they would not. I have not ever been late on this acct
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I applied for a refinancing mortgage XX/XX/2016 from XXXX 's Banks under the advice of a sales rep who I had worked with before from another institution. I provided all documents same or next day. The lender kept responding with higher rates and rising closing costs. In other words, it was a complete bait and switch operation. I spent over {$1000.00} in application fees and appraisals. They keep promising a resolution, but 4 months later, no refinancing. I have missed all the favorable rates and if I start over with another lender, my application will be tainted with numerous inquiries to credit authorities. 

I am requesting that they close the loan on the terms that were initially offered.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Requested XXXX XXXX to opt out from reporting to credit bureaus Per the FCRA as a federally protected consumer. 16 CFR 313.10 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, AZ XXXX Attached Opt out notice below
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-03-15
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. (CT)

I pulled a credit report on XXXX XXXX, XXXX, since XXXX, and witness hard inquiry errors. I sent a letter on XXXX XXXX, XXXX, looking for the hard inquiries to be removed, then another on XXXX XXXX, XXXX, to follow up and have not received a response. 

On XX/XX/XXXX, I visited the TransUnion website to online dispute the hard inquiries, an automated response gave me a number to call. I called and spoke with XXXX who transferred me to XXXX and the call was dropped. I called again and spoke with XXXX who transferred me to XXXX. XXXX explained disputes can not be done online and they have not received any letters for the dispute, took down the disputes, and said he would contact the inquiries which can take 6 months on top of the two months applying for disputes. 

I never applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Transunion is reporting inaccurate account information fraud information I have filed to the FTC for Identity Theft with report number XXXX
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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 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 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

In XXXX of XXXX, I totaled a car purchased with a loan issued from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX. I was unable to pay the remainder of the loan at that time. 

On XX/XX/XXXX the loan was charged off. My financial circumstances have changed dramatically since then, and in XXXX of XXXX, I called them and arranged to pay the remainder of the debt. They told me they would update the credit bureaus ( they reported the loan to XXXX  and Experian ). 

They reported incorrect data to the credit bureaus. As of now, it states that I was 60 days late in XXXX of XXXX and that the debt was charged off in XXXX of XXXX. This is incorrect as the debt was charged off in XXXX of XXXX and I paid the outstanding balance in XXXX of XXXX. 

I have made frequent attempts at contacting the company itself and disputing the charge with both Experian and XXXX. Per my understanding of the FCRA, this should be removed for incorrect information. Any help or advice would be appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-02-23
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. (CT)

In response to a previous complaint ( XXXX ) regarding XXXX XXXX, Equifax responded and said that XXXX XXXX was no longer reporting on my Equifax report. However, XXXX XXXX is still showing on my Equifax report.
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

I disputed a debt with Americollect account number XXXX for {$710.00} on XX/XX/22 and again on XX/XX/22 advising that I have no knowledge of this bill and upon contacting the original creditor XXXX XXXX XXXX, they could not provide an itemized billing, medical records, or contract signed by me nor verify there is a debt owed in this amount for me or any member of my immediate family.The debt is also linked to an unknown and invalid address not linked to me. I am requesting this invalid debt that does not belong to me be deleted immediately from XXXX and all other credit reporting agencies.
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (CA)

On XX/XX/2018, I opened an account with Bank of the West through an online promotion they have advertised. The promotion is for {$150.00} when opening an any deposit checking account and making a direct deposit of $ 250+ and/or 10 debit card transactions for two months. After successfully opening the account on XX/XX/18, providing SSN, personal information, details, I was happy to have been approved for the account, assigned a Checking Account Number and Routing number. To my surprise, Bank of the West sent me a letter explaining that they would be closing my account due to credit reporting agency. The letter stated that they have closed my account due to Credit Reporting Agency and that they have determined I am not eligible for the account. This is concerning on many levels. Bank of the West collected my information, checked my credit, obtained my SSN, opened my account, checked my eligibility issued an account number, allowed me to create an ACH relationship with another bank, accepted deposits/transfers and then wants to close my account now after continuous activity. Simply unacceptable. 

This is an unacceptable banking practice and I do not believe this is appropriate considering Bank of the West 's initial application approval and subsequent closure WEEKS later. As a result of this closure, I am also ineligible for the account bonus as promised in terms and conditions.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

my license was stolen. today i received a notification from a credit bureau stating that hard inquiries were recently posted to my credit file and also that there was a new address showing for the state of new jersey, added to my file as well. the inquires i listed are fraudulent as well as the new address that's listed. attached is a copy of my identity theft report.
Consumer complaint received 2020-11-10
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. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX  and the Federal Trade Commission.
Consumer complaint received 2023-03-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

To whom this letter may concern, I am reaching out about my dispute and validation letter request, I have filed back in the early-part of XX/XX/2023 to all three Credit bureaus ( Experian, XXXX, XXXX XXXX ) XXXX have spoken to each representative of all three credit bureaus in regard about my disputes and validation letter stating a requesting for proof of validation and given 30 for the investigation from the original debt creditor. I have experienced the response from all three credit bureaus.The first was from XXXX. The XXXX associate ( s ) lied to and stated they have not seen letter, then it was stated that they received a letter from a third-party. I verified the letter to them and spoke about when I sent it out and the Fair Credit Lending Act. I also sent out the information of there form of a dispute form over the inaccurate credit account found. I was given mixed information from both the associate and supervisor. They later verified the letter ( s ) that where sent out and want to me re-submit another dispute on the phone/email. There was not result resolution to this issue and I would like for it be taken Care for me please. I have experience similar experience with the other two as well. all I have received from them is that my information is still " pending '' on their investigation timeframe. I had sure to give additional time on the matter, still failed to verify back this information I am request and I would like for taken care effective immediately.
Consumer complaint received 2022-11-19
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. (SC)

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 2022-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I XXXX XXXX XXXX am on a XXXX XXXX income. I have medical insurance through XXXX and XXXX XXXX XXXX XXXX XXXX. I have been having issues with a debt collector agency by the name of Wakefield and Associates who alleged that I owe some type of medical debts that I do not owe. Any and all medical bills were retroactively paid and afforded by my insurance company. Wakefield and Associates have not made any lawful attempts to notify me of specific details such as dates, times, agencies owed or service provided for which any alleged debts were acquired. They have falsely attached negatory marks on my credit report without any legitimate evidence of any debt. They are using my credit report as XXXX in hopes to acquire any illegitimate monetary assets they hope to gain through predatory tactics. I grant permission for contact of my medical insurance providers as well as medical providers that have treated me. I wish to publicly accuse Wakefield and Associates of illegally editing any debt amount allegedly owed by myself. Every time I have disputed the allegations Wakefield and Associates then edit monetary amounts claimed to be owed. I support this accusation with the fact that no legitimate evidence of verified proven debt has been discussed with me in neither writing nor verbal notice, as well as the lack of verified detailed information or details of any debt claimed on any account placed on my credit report in the form of negatory marks and accounts. Due to this lack of notice of verified detailed information I suspect Wakefield and Associates of being dishonest and illegally attempting to gain assets through unspecified means. The accounts and negatory marks that they have applied to my credit report are false, and knowingly untrue. I permit any medical billing statements to be acquired as evidence. To my best and truthful knowledge I owe no form of debt to Wakefield and Associates, and at a later period today I will be providing a photo of current medical balances. In order to support my testament. Further investigation of any alleged debts that has been claimed to be owed by myself to Wakefield and Associates is much welcomed as well as any detailed information regarding the allegations.
Consumer complaint received 2019-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Someone using the email XXXX has opened a XXXX  account whatever that is we dont have that in the XXXX. It was my email but I've closed the email account. Said the name was XXXX. Can you look into this please. I think someone has stolen my identity in the USA somewhere.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I was looking at my Experian credit report XXXX XXXX and I notice my information was found on the XXXX XXXX they opened accounts with my information I never heard of or applied for I want the credit companies to fix this matter immediately cause im always turned down from mortgage or trying to apply for credit
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Never got a notice - I have excellent credit - chase closed my acct for nonuse - said they mail one notice which i never got - i learned acct was closed when checking my credit report -which now is dinged from this - NOT RIGHT and Chase will not fix the issue they caused.
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (MI)

We had an over draft of XXXX and received XXXX in fees which id over a 500 % intrest. The online tools where not functioning and they acknowledged they were not but said they cant do anything
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called XXXX via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have inaccurate information on my consumer reports that is affecting the process of buying a house. Transunion is reporting late payments on my consumer reports from XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX XXXX XXXX acct # XXXX., the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; subsequent to this the law also states 15 us code 1666b timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Nobody has sent me proof nor have i received my periodic statements 21 days before the payment was due, the burden of proof is on the consumer reporting agencies and I have still yet to be proved. My next step will be litigation. Therefore, please update these accounts as paid as agree or delete.