davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the  representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax has refused to give me a copy of my Equifax report for over a year now. Also according to a background check Im listed as dead. There is also a spouse /guardian listed on my credit report there are incorrect names and addresses that I have never had. Security questions that are not real end to me. Which brings up red flags all of the issues that I have mentioned are on XXXX and I cant even get an online report from Equifax.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft and there is an unauthorized and fraudulent account listed on my Trans Union credit report that do not belong to me. The following account is fraudulent : XXXX XXXX Bank, XXXX/XXXX/12
Consumer complaint received 2022-05-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

Last year I applied for to XXXX XXXX XXXX cards one  XXXX master card and the other XXXX rewards  Visa. In a matter of months XXXX XXXX close the accounts with you no reason when I called to request to have the bank account open and they stated no because it was past the 30 day tender I would like to see legislation passes law or banks can not close accounts within a year of the client having the account or if the account is in default my credit has been excellent and so has my relationship with them whats going on at XXXX Or that legislation is not taking action.
Consumer complaint received 2022-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 15 U.S code 1681n Infamis of pulls for the following pulls : XXXX XXXX XXXX bank - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX & XXXX bank XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX  of XXXX account shows that I have a late payment on XXXX XXXX which is incorrect and balance is current and on time. 

Remove all late payments and change the payment status to current because of Cares Act. 

This account was paid as agreed on time I was never late XX/XX/XXXX this is information is inaccurate and completely false. You can not report inaccurate information this a violation FDCPA false misreporting please update account to current and paid as agreed on time Transunion
Consumer complaint received 2022-03-17
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BlockFi Inc (CA)

On XX/XX/XXXX, I withdrew cash from my blockfi account. I followed up several times up through XX/XX/XXXX and customer service continues to say they are " processing '' my withdrawal but I still don't have my money. I don't know of any bak that takes nearly a week to transfer money.
Consumer complaint received 2022-03-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX along with XXXX and XXXX are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX XXXX XXXX. The first problem, XXXX does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. XXXX, XXXX claims to work on behalf of The XXXX XXXX XXXX XXXX  XXXX ( the alleged creditor ). XXXX and XXXX claims to work as a Power of Attorney for The XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The XXXX XXXX XXXX XXXX XXXXXXXX is not the secured creditor, nor have they invoked XXXX or XXXX and XXXX to collect a debt. We also had a Licensed XXXX XXXX XXXX cross reference our findings please see attached. XXXX has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. XXXX and XXXX and XXXX are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. XXXX, XXXX refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. XXXX, XXXX in connection with XXXX and XXXX are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.
Consumer complaint received 2022-08-30
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. (CO)

In accordance with the fair credit reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (MI)

I had an key bank account and was a victim of a person posing to be an employer. They mailed me a check and I put the check into my account and then they told me to send them the money in XXXX check cleared and then check turned out to be fake. I informed the bank I was scammed. The closed the account and charged it off as fraud. I since then have opened a XXXXXXXX XXXX  account and because the way this key bank account is reporting they have locked my account up.
Consumer complaint received 2022-03-17
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)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (CA)

Allied Collection Service, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, purchase a medical bill from XXXX XXXX. The medical bill was placed on my XXXX XXXX credit file on XX/XX/XXXX. This bill has incorrect information, this bill does not belong to me, the date for the bill is dated, XX/XX/XXXX, for the amount of {$2600.00}, now {$2600.00}. The date and sum amount due for this bill is incorrect. I had no medical services rendered to me on XX/XX/XXXX. I contacted Allied Collection Service and informed them that this information is incorrect, I made a request for the collection agency to provide me with documentation of dates and sum amounts due, I need verification. The collection agency has refused to provide me with valid documentation of this debt.
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (TX)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXXE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aldridge Pite, LLP (GA)

XXXX XXXX along with Aldridge and Pite are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX ) illegally. The first problem, XXXX does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. XXXX, XXXX claims to work on behalf of The XXXX XXXX XXXX XXXX  XXXX ( the alleged creditor ). Aldrige and Pite claims to work as a Power of Attorney for The XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The XXXX XXXX XXXX XXXXk XXXX is not the secured creditor, nor have they invoked XXXX or Aldridge and Pite to collect a debt. We also had a Licensed Financial Private Investigator cross reference our findings please see attached. XXXX has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. XXXX and Aldridge and Pite are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. XXXX, XXXX refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. XXXX, XXXX in connection with Aldrige and Pite are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I was impacted by the data breach at Equifax. My personal information, including my full name, social security number, and my date of birth, has been compromised. This could result in identity theft and impersonation attempts. 

https : //www.consumer.ftc.govXXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

I am writing to follow up on my ongoing complaint regarding an entry on my credit report that I believe is inaccurate and misleading. Despite previous correspondence and efforts to rectify this matter, I am disappointed to find that the discrepancy persists across all three credit bureaus.
Consumer complaint received 2022-03-17
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)

EQUIFAX IS REPORTING A COLLECTION ACCOUNT THAT IS NOT ACCURATE OR MINE. PLEASE REMOVE THE CCS COLLECTION ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. 
*** PLEASE BE ADVISED*** According to the law 15 U.S. CODE 1681 ( A ) ( 1.A ) Any account being disputed must be removed while under investigation. 

If your fail to follow this law it is an {$1000.00} violation.
Consumer complaint received 2022-03-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF NEW YORK MELLON CORPORATION, THE (GA)

XXXX XXXX along with XXXX and XXXX are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX XXXX illegally. The first problem, XXXX does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. XXXX, XXXX claims to work on behalf of XXXX Bank of New York Mellon ( the alleged creditor ). XXXX and XXXX claims to work as a Power of Attorney for The Bank of New York Mellon on behalf of XXXX. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The Bank of New York Mellon is not the secured creditor, nor have they invoked XXXX or XXXX and XXXX to collect a debt. We also had a Licensed Financial Private Investigator cross reference our findings please see attached. XXXX has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. XXXX and XXXX and XXXX are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. XXXX, XXXX refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. XXXX, XXXX in connection with XXXX and XXXX are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.
Consumer complaint received 2023-06-02
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-17
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to bring to your attention some discrepancies I have discovered on my credit report regarding late payments. Upon reviewing my credit report, I noticed that there are late payments listed for certain accounts. However, I want to clarify that these late payments are not accurate representations of my financial history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX