davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (PA)

On XX/XX/2019 I opened a Keybank checking account for a {$400.00} promotion. 

After opening the account I was to make a direct deposit of {$500.00} within 60 days in order to receive the {$400.00} sign on bonus. The qualifying direct deposit was made on XX/XX/2019. On XX/XX/XXXX I inquired through the bank 's chat portal when the bonus would be deposited and was told I would need to inquire by way of email and wait 24-72 hours for a response, which I found unacceptable for a simple question regarding an advertised promotion. 

Today on the phone their customer service agent informed me no bonus could be deposited for 150 days ( 60 days from account opening + a 90 day investigation to confirm I've fulfilled the terms of the promotion [ to reiterate : the terms of the promotion were to open a checking account and make a direct deposit which should be automated ] ).
Consumer complaint received 2022-07-26
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. (IN)

I have new and updated information for complaint # : XXXX ; Equifax violated my rights under 15 usc 1681i ( a ). Pursuant to 15 usc 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency SHALL PROVIDE TO A CONSUMER A DESCRIPTION REFERRED TO IN PARAGRAPH ( 6 ) ( B ) ( iii ) BY NOT LATER THAN 15 DAYS AFTER RECEIVING A REQUEST FROM THE CONSUMER FOR THAT DESCRIPTION. As of XXXX XX/XX/2022 Equifax responded to CFPB stating that it is still working on my issue. It has been well over the 15 day time frame, which is a violation of the law granted for Equifax to send me their method of verification for re-investigation. I filed with CFPB and they sent it to Equifax XXXX XX/XX/2022, where I requested my entire consumer credit file and report, as well as exercised my rights under 15 usc 1681i ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc 1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name of the company who furnished this information and the name and employee number of the employee whom you spoke with. Pursuant to 15 usc 1681a ( e ) I an demanding the following : Which neighbor did you speak with? Which associate did you speak with? Which friends did you speak with? Which acquaintances of mine did you speak with? Was the information that you received factual? Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this information must be permanently be removed from my consumer report. 

On XXXX XX/XX/2022 I filed complaint # : XXXX with the CFPB disputing the above alleged account and reported late payment, as well as outlining how Equifax violated my rights as a consumer under 15 usc 1681. The subsections Equifax violated are as follows : 15 usc 1681- ( a ) ( 1 ) 15 usc 1681- ( a ) ( 2 ) 15 usc 1681-a ( 3 ) 15 usc 1681-a ( 4 ) 15 usc 1681b. ( 2 ) Your company ( Equifax ) responded alleging that the referenced account ( s ) were verified on XXXX XX/XX/2022.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/2016
Consumer complaint received 2023-03-27
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX  XXXX Balance : {$5500.00}
Consumer complaint received 2023-03-27
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2019-09-04
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. (MO)

Multiple inaccurate information is being reported on all three of my credit reports from all three credit reporting companies. Example ; XXXXXXXX reports collection amount as {$450.00} and Transunion reports the same account as {$0.00}. I have filed several disputes asking for the information to be removed that is inaccurate. Also there has been no proof of a signed contract for these collections on my credit report. No explanation of how it came back verified. I need to see original documentation from these collection agencies with signed contracts from me or they need to be removed immediately. It is the LAW.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. MY IDENTITY WAS ALSO STOLEN IN A FRADULENT DATAT BREACH VIA ONLINE AND THERE WERE SEVERAL FRAULENT INQUIRIES MADE WITHOUT MY PERMISSIONOR KNOWLEDGE. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-13
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. (NY)

Experian has not legally investigated this collection item. The last reported date is XX/XX/2019. I have requested an investigation numerous times as this account is not mine and continues to show up on my credit report. All of this violates the FCRA.
Consumer complaint received 2023-03-27
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. (PA)

There are three ( 3 ) derogatory items on my credit report from XXXX XXXX XXXX reported on XXXX XXXX, 2023 for the following amounts : XXXX XXXX XXXX  These are medical debts under XXXX these debts Starting in 2023, medical collections tradelines less than {$500.00} should no longer be reported on consumer credit reports. I have asked the credit bureau to delete these debts from my credit report multiple times.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have made several disputes with Equifax, and have never had issues. THey sent me a letter requesting for me to verify my identity ( which was done already when I mailed my disputes ). They are refusing to reinvestigate the bankruptcy on my credit report, which has come off XXXX as the information was incorrect. 

The latest dispute that I made on XX/XX/XXXX, shows they completed it on XX/XX/XXXX but on the dispute it shows they verified it on XX/XX/XXXX. So they did not reinvestigate the dispute and remove it. I have attached all the information as requested by Equifax as well.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$83.00} XXXX XXXX XXXXXXXX Balance Owed : {$70.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2019-01-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

This morning when I arrived to work there was a phone call from Navient. They did not leave a message. Later in the morning, Human Resources provided me with a fax regarding a request for employment information. It was assumed that I was looking for work. This could put my current job in jeopardy. I have not contacted Navient to discuss this issue.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (SC)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-07-26
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)

I Spoke with XXXX XXXX within the XXXXXXXX XXXX XXXX XXXX  ) for 1 hour and 1 minute pleading my case, and she acknowledged that XXXX did receive our CFPB complaint but did not act up on it because XXXX assumed that the complaint came from a third party!!! I use a company called XXXX to send out my mails because due to a pre-existing condition I cant go to an actual post office! The fact that XXXX is assuming instead of factually investigating, is a clear violation of 15 USC 1681 ( a ) ( 3 )! Your company ( XXXX ) assumed this role. You were not given express permission by me, the consumer, or a competent Court of Jurisdiction to report these erroneous inquiries, late payments on my consumer report. Therefore, not only did you fail in the initial investigation of these wrongfully reported informations, but you also assumed this role, and assumed these wrongfully reported informations were valid or as you like to say VERIFIED, which is a clear violation of my consumer rights.
Consumer complaint received 2019-09-04
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. (NV)

I recently disputed a chapter XXXX bankruptcy filing that is on my credit report. The Public record was included in my FTC identity theft report. Transunion is stating that the bankruptcy is verified as correct. This could not be true. There are NO other tradelines on my file that are included in a bankruptcy. There are NO addresses associated with a chapter XXXX filing on my credit report. Lastly, XXXX Bankruptcy DO NOT verify to credit reporting agencies.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I closed My Account With Capital One Credit paid in full Card 6-9 Month ago and cut up the card .now I'm getting reports from capital one in the name of XXXX XXXX stating to Visit the Alerts section of XXXX  from Capital One such as Heads up : A lender reported that the status of your account delinquent Account as well as View your alerts for credit report changes, use of your SSN with a different name or address, or dark web activity associated with your identity.

Stating I Have derogatory status I Paid all Creditor except New mortgage i explain to creditors i need 30-60- days to pay off Car Payment plus all credit card which I did XX/XX/XXXX Email Found on Dark Web XXXX XX/XX/XXXX Breached Site : XXXX Password : Not Exposed Your email has been exposed on the dark web. Don't worry, we'll help you get through this. Before you take action, be sure to review all the information below. 

also Date found on dark web XX/XX/XXXX What should I do? 
You should reset the password for your email account along with any other accounts associated with your email address. Tap on the " Let 's Take Action '' button to learn more about creating strong passwords and checking for signs of fraudulent activity. 
Why am I getting this alert? 
Helping you keep tabs on your personal information is a top priority, so we'll regularly scan the dark web for your SSN and email address. We'll send you an alert if we find your SSN or email somewhere suspicious. Learn more about alerts. 
The only person causing this problem is a company I paid off months ago XXXX XXXX XXXX Account Balance {$25000.00} paid in full XXXX Paid In full as agreed XXXX   XXXX XXXX Account Balance {$25000.00} -- Paid In full as agreed XXXX XXXX XXXX Account Balance {$1700.00} Paid In full as agreed XXXX XXXX XXXX XXXX paid off by new owners New Account XXXX XXXX  XXXX Please correct this Error with this company or Dark Web
Consumer complaint received 2022-07-13
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)

IVE NEVER HAD A STUDENT LOAN AND THIS IS CURRENTLY REPORTING ON MY CREDIT FILE WITH XXXX DIFFERENT INDIVIDUAL LOAN 'S ON MY EXPERIAN, XXXX AND XXXX CREDIT REPORTING FILE ACCT NUMBER XXXX
Consumer complaint received 2024-03-21
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (AZ)

I am enrolled and have been enrolled for the current academic semester. Although, I am taking eight week courses, instead of the traditional sixteen week courses.

Any time I take eight week courses it creates a loop that effects me and my cosigners credit score drastically. The Clearing House letter is not received until classes have started for the student. For the first two months of the semester, it does not show I am enrolled which causes my loans to be taken out of default for " not '' being a part time student. Even though I am, my classes just begin later in the semester. It is the same amount of credits and full course just condensed to a shorter period of time. This falling out of deferment period greatly effects my credit score as well as the cosigner on my student loans. There doesn't seem to be a root fix for this issue currently since it's " just how the system works, '' I was told. For now, I can file for correction here, once I have my Clearing House letter, I was also told. So I spent time writing this out more thoroughly since I may have to do this very thing again in the future when I take eight week courses.

Please see the letter from the Clearing House I had to special request to get before my classes started. A letter that they may not be able to get to me any earlier in the furture. I have attached this document to remedy my credit score and put it back in good standing. I have three loans that should show as in deferment with no missed or late payments via the start of this school semester. There are two under Discover Student Loans and one for XXXX XXXX. 

Discover Student Loans ACCT # : XXXX Discover Student Loans ACCT # : XXXX XXXX XXXX ACCT # : XXXX Please make sure this information is updated and reflected on the cosigners credit report as well, that is also associated on these accounts. Thank you and have a great day!
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX and I am submitting another CFPB Complaint to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I am demanding you to please correct the following accounts as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$33000.00}. Under the Fiar Credit Rporting Act, I am entitiled to request an investigation and ask you to correct the erroneous information being reportedon my Credit File.
Consumer complaint received 2022-07-26
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.