davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (IL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was a victim of a scam and now Bank of America is making me pay for the funds they released in the amount of {$2500.00} from bad check that was given to me when they knowingly were holding off on making the transfer until the bad check was cleared. Bank of America said they did the transfer to the other person as a curtesy to their customers and the check was a scam. They also told me that since it was a teller transfer that the bank that I went to do the transfer had to file the claim. I made an appointment to go to the bank so they can do the claim on XX/XX/30 at XXXX. When I got there, they said that they don't do that but I gave them the phone number that they had to call. He was on the phone on hold with the fraud department and they told him that I was not able to do a claim since it was a teller transfer. They suggested to him the operator on the phone that I get a lawyer because I had to payback the {$2500.00} that they transfered to the person who was at this point the scammer. Shame on me for falling for the scam but shame on Bank of America for also scamming their customer. How can a bank release funds that I don't have and pending for a check to clear.
Consumer complaint received 2023-01-13
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$990.00} ; If the credit bureaus feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-03-09
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: CrossCheck, Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXXT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Consumer complaint received 2023-01-13
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$990.00} ; If the credit bureaus feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Blitt and Gaines, P.C. (IL)

To whom it may concern, on multiple occasions I have been contacted by both XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ( XXXX ) as well as their counter partners Biltt and Gains, P.C. ( BG ), in regards to a phantom debt which is alleged to have been originated between myself and a company called XXXX XXXX ( XXXX ). 
When I was first contacted by XXXX, I explained to the collection agent that I had never heard of XXXX nor did I have any accounts with a company by that name. I asked for the details of the account and later pulled my credit reports in an attempt to authenticate what the agent from XXXX, had shared with me. 
Upon reviewing my credit reports I realized that I in fact had never had a creditor by the name of XXXX, within my entire credit history. Shortly thereafter I received another call from an agent working for XXXX  asking for payment on this unknown XXXX account, I reiterated to the agent that I was unaware of any such account with a company called XXXX. I advised the collection agent that I would like to be sent a copy of any promissory note or written agreement, which would bare my signature for of terms that I allegedly agreed to repay on a loan from XXXX. I never received any such proof of validity of this debt which is in violation to the Fair Debt Collection Practices Act ( FDCPA ). These communications with XXXX transpire within the first two weeks of being contacted by their office. 

To this date I have not received any information that would provide any details of the debts origination date, nor in what form that I am alleged to have utilized these funds. 
To add insult to injury this debt is still not reporting to my credit reports and I have been pursued for a judgment by XXXX, along with their counter partners BG, in XXXX county circuit court of Illinois. On XX/XX/2014, a judgment was entered in favor of XXXX. The judgment has now provided both XXXX and BG, the ability to garnish my pay checks as a result this phantom debt created by XXXX and enforced with BG. 
Im seeking assistance from the CFPB, to place an inquiry into both XXXX and BGs actions against me the matter of illegal debt collection tactics, fraud, and additional violations to the FDCPA. This debt has never reported to my credit reports nor does it at this time, and I have never ben provided written documentation which would indicate that I originated any such loan with XXXX.
Consumer complaint received 2022-10-05
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. (IN)

The Lender falsely reported a 30 days late payment for the month of XXXX. This is inaccurate, i made my payment on time, as the screenshot shows. There is also a lack of consistency in the reporting to the three credit bureas. No data reported to XXXX, or XXXX.
Consumer complaint received 2020-02-26
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: AMERICAN EXPRESS COMPANY (NV)

I applied for an XXXX XXXX AMEX card today. Prior to applying, I verified that it was not stated that my personal credit would be pulled. In fact, the SSN entry box had an information icon next to it which, when clicked, clearly states that my social is only being used to verify my identity. This is a business account and as such should not report on the personal side anyway. If I granted permission or authorized this inquiry, then it was hidden which violates UDAAP and should be immediately removed as it was obtained illegally. American Express refuses to acknowledge their illegal practices which obviously violate UDAAP.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries 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 2023-01-13
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: EQUIFAX, INC. (NY)

I have been sending numerous letters to Equifax for them to remove the account that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, XXXX seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-06
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 noticed many inaccuracies on my credit report. On XX/XX/2022 I check my credit and found the account with XXXX financial # XXXX to be reporting incorrectly on my credit. 

I am not disputing the validity of the account however I am reporting inaccuracies on all three credit bureaus. The disputes were sent out on XX/XX/2022 stating the inaccuracies on my credit report. 

On XX/XX/2022 I received a response from XXXX stating the investigation was completed and the account was updated. 

Upon reviewing my credit on XX/XX/2022 I notice that XXXX never investigated my disputes. DATE OF LAST ACTIVITY, HIGH CREDIT and COMMENTS are still reporting inaccurate and inconsistent. 

I did not receive any response from Experian or XXXX. 

I have attached my initial disputes, the credit reports with all the inaccuracies, the investigation completed by XXXX and an up-to-date credit report showing the inconsistent and inaccurate information. 

Please remove this account from my credit report.
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (CA)

I have disputed this incorrect reporting with the XXXX bureaus, indicating this was paid/equipment returned. I still have had no luck getting Stellar Recovery to remove this information from my credit files.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the FAIR CREDIT REPORTING ACT, XXXX has violated my rights. Under 15 USC 1681 SECTION 602, states that I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2, states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have noticed many inaccuracies on my credit report. On XX/XX/2022 I check my credit and found the account with XXXX financial # XXXX to be reporting incorrectly on my credit. 

I am not disputing the validity of the account however I am reporting inaccuracies on all three credit bureaus. The disputes were sent out on XX/XX/2022 stating the inaccuracies on my credit report. 

On XX/XX/2022 I received a response from Transunion stating the investigation was completed and the account was updated. 

Upon reviewing my credit on XX/XX/2022 I notice that Transunion never investigated my disputes. DATE OF LAST ACTIVITY, HIGH CREDIT and COMMENTS are still reporting inaccurate and inconsistent. 

I did not receive any response from XXXX or XXXX. 

I have attached my initial disputes, the credit reports with all the inaccuracies, the investigation completed by Transunion and an up-to-date credit report showing the inconsistent and inaccurate information. 

Please remove this account from my credit report.
Consumer complaint received 2023-01-13
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian, XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/19 Balance : {$14000.00}
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

Was charged 18 months of interest, on snowblower that was sold to me as being interest free for 18 months then if we still had a balance after the 18 months I would be charged interest on the balance after that, tryed working this out was told pay the {$1000.00} for snowblower today and they would save me some of that charge, and that when I would pay my payment every month that I should have told them to take it of off the old balance first, so since I did not do this its my problem and owe them that {$560.00} interest, and I could close the account if I didnt like these terms, and could never have a account with them again THIS IS HOMEDEPOT CARE OF CITIBANK
Consumer complaint received 2019-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently had a credit report that showed I had several student loans that had and t to collections and that I owed child support. None of which is true. I have never had any student loans and have never had to pay any child support. It states that I owe {$6200.00} in Va child support and approximately {$10000.00} in student loans. There is also several medical bills that have been sent to collections that do not belong to me. I have never been to any of the medical facilities listed. On my credit report a XXXX XXXX is listed as one of my names. My name has NEVER been XXXX XXXX nor do I know anyone by that name. I have attached a copy of the false claims on my report.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a email that I received yesterday from Bank of America. I have had this credit card for over five years. I have never missed a payment. In the email they stated that they were closing my account. I called the customer service agent and she stated that is was based on risk management factors. 

I did not know I was constantly being monitored in ordered to keep my credit card. I pay on time, I have had this card for years, so why? She said that I had too many inquires, high balances, and late payments on my credit report. I reminded her that I already had the card for some time and was never late. 

This is the first time I have ever had this happen to me? Is this a new practice. I am concerned, is this a signal of things to come in the financial sector? Are the banks tightening up their belts and cutting off the fat? 

I just want my Bank of America credit account to be reopened, to lose it will make my credit score drop terribly.