davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I'm using my rights as a Consumer to dispute inaccurate information of my consumer report. XXXX is reporting a charged off on my consumer report with a balance of {$120.00}. This was a secured credit card and which I made a {$200.00} deposit to open the account. I never received my deposit back after closing the account and any balance should have been paid off to zero with my deposit and the remainder sent back to me.

The reporting of such inaccurate information has caused severe dam

age to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.

You a

nd your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Re
sponsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Pr

ohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something
Consumer complaint received 2021-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/21, I reviewed my credit report and became aware that I have been a victim of identity theft. There are several fraudulent accounts on my credit report and I submitted the documentation to each credit bureau ( XXXX, Equifax and XXXX  ) to correct the fraudulent accounts on XX/XX/21. I mailed in a certified letter, signed and a FTC Identity Theft Affidavit to have the fraudulent item ( s ) removed. According the the Fair Credit Reporting Act, Section 611, I have to allow 30 business days for the investigation and then wait for a response. Today is XX/XX/21 and I can see XXXX  has deleted the fraudulent account however, Equifax and XXXX  have not. I have not been notified by mail from either XXXX  or Equifax of their investigation and it is clearly longer than the 30 business days as of today. The tracking number for XXXX  is : USPS : XXXX, Delivered XX/XX/21 and the tracking number for Equifax is USPS : XXXX, Delivered XX/XX/21. I have spent over {$500.00} of my time is mailing disputes and having to take off of work to take care of this matter. I am not submitting a formal complaint to get the expedited help I need to correct this and to also help me so I can take a loan out due to the world wide pandemic.
Consumer complaint received 2017-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (MD)

I hope my complaints fell in the right categories. I had a Navy Federal Credit card opened around XXXX. I had a excellent payment history for several years straight. My problem with Navy Federal customers service they were on several occasions was applying my payments to different account that did n't belong to me. And I stayed on the phone speaking from customers and the recovery department concerning my credit card account. Once I was able to get all my receipt together and present them to Navy Federal loan officers they came to the conclusion that I did make my payments on time but they were applied to someone else account. This went on for several months until my account went into default ( dark place )
Consumer complaint received 2022-10-24
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)

Hi I am submitting this 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 more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. XXXX XXXX. 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 negative account 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 homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-04-09
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. (NJ)

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. It has over 30 days since the initial dispute submitted. Credit reporting failed to comply with Fair Credit Reporting Act. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Credit reporting failed to provide documentation used to verify the dispute. Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 
regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed all the below accounts with TransUnion with a telephone agent on XX/XX/XXXX. All these accounts were paid in full to a XXXX balance, which is the reason I disputed them. Within a week or two of the dispute TransUnion updated the accounts thereafter to reflect the XXXX balance. I have an on line account and membership with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and TransUnion. I was able to view on line all of the above platforms with the exception of TransUnion, that all these disputed accounts were updated to a XXXX balance on my TransUnion credit report. My Tranunion credit score on XX/XX/XXXX was XXXX. On XX/XX/XXXX I reviewed on line XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX and realized my XXXX score dropped XXXX points to XXXX due those same XXXX accounts with balances close to the credit limits, that caused a high utilization rate that affected my fico score.Those account balances were back reported back on my credit report with the same old balances from XXXX. I contacted TransUnion on XX/XX/XXXX to redispute those same accounts that all should show XXXX balance previous. I dont understand how TransUnion can can make these reporting issues that have affected me obtaining financial products with favorable terms for my personal life and for my business. All accounts were paid to XXXX XX/XX/XXXX, with the exception of XXXX Loan, which was paid in full on XX/XX/XXXX.Those accounts are active account XXXX XXXX XXXX {$1600.00} bal/ {$1800.00} credit limit, active account XXXX  XXXX {$960.00} bal/ $ {$1700.00} credit limit, active account XXXX  XXXX {$470.00} bal/ {$1700.00} credit limit, closed due to payment in full XXXX loan {$3000.00}, XXXX {$360.00} bal/prior closed account in XX/XX/XXXX. Recently this week I have applied for credit card products and business funding that I was denied due to TransUnion miss management and handling of my credit report. My business needs are held up now until this is resolved and my fico goes back up to the same XXXX or same excellence area it was in prior to this violation of the FCRA.
Consumer complaint received 2022-01-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have a XXXX XXXX account that's on my credit report that is reporting information that should not be on my credit report. This has been holding me back from applying for new lines of credit. Experian and XXXX ARE BREAKING MULTIPLE LAWS. I have disputed this alleged account with Experian and XXXX on XXXX. Experian & XXXX  are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave anyone any written consent to report anything on my consumer report. NO CONSENT is indeed identity theft!! Additionally, they are also in violation of another law. These bureau 's are also in violation of U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave ANYONE any written consent to transfer, or use, without authority, a means of my identification. NO CONSENT IS INDEED IDENTITY THEFT. I demand to see an affidavit singed by an Experian or XXXX supervisor or executive detailing where I gave Experian or XXXX written consent to transfer my identification. I have tried relentlessly to remove these accounts with the credit bureau and they have failed to remove the information they illegally furnished. I will not be extending my credit report to anyone if this can not be resolved
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I contacted Equifax on multiple occasions on XX/XX/XXXX stating that I was a victim of their inquiry issue and the representative failed to honor the inquiry issue and failed to help me giving me terrible responses that didnt solve the problem. These are the following hard inquires : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I contacted TransUnion to let them know two accounts had been opened in my name and the person attempted to get a car in my name on several different dates. The representative said she could only address the items from the last 6 months which that is not right. I feel that because there were so many she didn't want to help me. I should not have to keep inquires on my credit report that I did not do & this is against the law. Your credit report is only supposed to have things that you have done not anything that has been added as a result of fraud. The inquires for XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX. Some one just kept attempting to get approved from different places for a car in my name. I did not do this and this information is not being reported accurately as it says you should by the law. Please delete all the items that I have listed above. 




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Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 

I did not authorize nor consent to any of the accounts being reported on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (NJ)

Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX
Consumer complaint received 2019-06-28
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. (FL)

i have send numerous letters to XXXX, all letter go with : 1.-copy of credit report with highlighted errors 2.- Dispute letter indicating all errors and demand to remove them 3.-Proper Identification, copy of DL, Voters ID, SS card this has been going on for the past 8, months and still is a night mare to get them to remove them, they send letters saying i didn't send proper ID, which is a lie or simply refused to investigate and remove just recently as yesterday my score drop 40 points and a loans i was doing got deny, here are errors which they refused to removed : Personal Statement Statements Personal Statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ( i ask for this i send 2 letters and even call and ask to removed Inquires 1.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX 3.-XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX these inquires were not authorized by me, they dont have a signature, i never requested any credit by any of them
Consumer complaint received 2022-10-24
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)

Hi I am submitting this 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 more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Portfolio Services, Inc. (NJ)

Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX ) XXXX CONSUMER PORTFOLIO SERVI Inquiry : XXXX XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX
Consumer complaint received 2022-01-25
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: CITIBANK, N.A. (CA)

Without my context, Best Buy credit card company pull hard inquiry on XX/XX/2021. I have been contacting to the company several times and they never resolved my issues. 
Please remove my credit hard inquiry from my credit report.