davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2021-05-12
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. (FL)

I just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2021-05-12
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)

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX/XXXX, and the three major credit bureaus ( Transunion, XXXX, XXXX  ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX , appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WV)

I sent XXXX dispute letters to Equifax due to them reporting inaccurate account on my credit report. I asked them to investigate and if they found this account verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion has made several errors in the past several years with combining my twin sisters credit information with my information and merging our accounts together after requesting the accounts be fixed. I have tried to refinance my home on 3 occasions. Each time I have been denied due to inadequate credit information. This happened in XXXX when I bought my home. Again XXXX when I attempted refinance, and now again XX/XX/XXXX when I was trying another attempt to refinance before interest rates increased. I could have refinance in XXXX with a lower interest rate if the information was correct in the system. I have been on the phone at least 5 times with Transunion and supervisors in there special unit department. The most recent dates and talking with 2 people each date is XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am currently unable to even pull a report now because they have given me my sisters SS # and made her name my alias now. So now I am no longer able to pull a credit report, because they say I am unable to be located. I have received a credit in the mail twice with my name on it and now her name on it with using XXXX social security number, sometimes hers and sometimes my correct number. They have really made this very confusing for the creditors. Each time I call Transunion, they report the error has been fixed, however that is not true and the situation continues to escalate. I need the two names and SS # been recognized as two separate individuals and have the correct credit information under the correct person!!!!! My next step will be legal due to the prevention of my ability to refinance etc!
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

I had to file a Consumer Proposal ( Orderly Payment of Debt ) under the bankruptcy act here in XXXX. When I did that, I found XXXX credit cards opened fraudulently in my name. 
XXXX from XXXX Bank, XXXX from XXXX, and XXXX from USAA totaling {$25000.00}. 

When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. 

I contact the banks immediately, asked for the application - I was ignored. 
I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. 

My Consumer Proposal paid them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TX)

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 
I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XX/XX/XXXX, Bank of America redid my escrow analysis for my mortgage account. The escrow analysis completed had included some updated information from my taxing authority for the XXXX XXXX  XXXX. Included in my tax payment was a one-time charge from the XXXX XXXX  XXXX XXXX XXXX for late fees, which was my responsibility. The one-time charge amount was {$1300.00}. Subsequently, I paid back the escrow account by myself to cover the charges. The total overage paid from the escrow account totals {$1800.00} for the end of last year ( XXXX ) which was in the form of an escrow advance. I have since returned the {$1800.00} to the escrow account which left the balance at the beginning of the year at {$0.00}. Monthly escrow payments in XXXX have been paid based on the previous tax rate every month. 

The tax principal for the account increased to XXXX from the previous XXXX. So there will be a difference there that will need to be adjusted but only needs to be based on this amount. Also to note, the insurance payment of {$1000.00} for XXXX XXXX needs to be included. 

Bank of America continues to refuse to update any information regarding the account. This has been an ongoing problem with them not even attempting to resolve issues. I had to previously file a regulatory complaint for the same reason. The only way to resolve these issues is to file these complaints. I already advised Bank of America that if they do not update the information, they would be getting a complaint. To this day nothing still has been done since I called last month.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-07
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. (OH)

Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the XXXX  Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX   there are about 1000 soft inquries
Consumer complaint received 2022-03-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-05-12
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 — Problem with personal statement of dispute
Company: Colony Brands, Inc. (IN)

XX/XX/21 and XX/XX/21 dispute results from XXXX  both show they did not take the proper steps to delete the creditor from my credit report. 
I requested XXXX XXXX, acct # XXXX for validation of the debt and they did not furnish me with anything just updated it as charged off. They did not mark " notice of dispute '' by consumer within the 30 days. FCRA, Section 623 ( a ) ( 3 ) and Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.
Consumer complaint received 2023-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC (CA)

In XX/XX/2023 this XXXX XXXX XXXX collection came into my credit report as collection. 

I contacted my tax attorney and he sent a letter to XXXX XXXX, who was originally on my credit report. They only had my file in there system for 14 days before selling it to Williams rush and associates XXXX. 
So nothing came out of me hiring someone to help. I contacted Williams and rush they spoke to me extremely poor and sound like someone from an inner city gang was doing business from their backyard. I got absolutely nowhere with contacting them. 

I contacted the rent a center company and they assigned me to an area manager. She tried everything to help me for 6 weeks to find any proof that I owed this company any money. 
She told me the store that reported my collection is closed and they have no access to any data base. She said they dont have any access to their computers or system either. That store has a paper storage that she doesnt have access to unless theres some warrant. She wasnt able to help me with anything I dont understand how a company thats been closed can claim I owe them money not have any proof I was ever in their store or rented anything from them. 

Ive had identity theft with this company and owe this company no money. Ive never received a call from them in my life.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Lending Club Corp (IL)

On XX/XX/2021, I opened two accounts with XXXX XXXX using my debit card. Days later, the accounts were closed due to the funds being returned. That was never the case! The funds actually were deducted and posted to my account as a debit. For months now, I've been trying to get my money back but XXXX is saying the funds were never deposited. I have a copy of my transaction from that day showing proof that the funds were deducted from my account. 

XXXX XXXX  aka Lending Club Accts # XXXX & XXXX
Consumer complaint received 2018-07-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (MI)

The agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. The agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, XX/XX/2018, created Summary judgment, dated XX/XX/2018, and created Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account number XXXX XXXX, XXXX account number XXXX XXXX XXXX Account number XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-12
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. (FL)

For the last six months Ive sent that multiple FTC reports disputes to regional acceptance in reference to a debt that I do not owe. The debt is fraudulent. I do not assume responsibility for this day it is not my debt. Not sure of how it keeps coming back verified. I have requested something with my signature in my information which can not be provided because Ive never done business with this company Ive never entered into a sign written contract with this company I demand that this debt is removed from my credit report to date thank you.
Consumer complaint received 2022-07-07
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX  XXXX/XXXX  XXXX
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX  should also not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted both XXXX XXXX and XXXX XXXX, as well as the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2024-03-06
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. (MI)

Account name, XXXX XXXX XXXXXXXX XXXX Delete or remove account for inaccuracy. XXXX XXXX not listed on Equifax or XXXX credit report. XXXX reports original balance {$27000.00}. Equifax reports the original balance as not identified. XXXX doesnt list the last payment date. Equifax doesnt list the last payment date. Without a last payment date there is no way to determine an accurate fall off date. This is a violation of inaccuracy. Delete the account. XXXX reports status as closed, {$28.00}, XXXX written off. Equifax reports status as charge-off with no amount listed. This is inaccurate reporting data. Delete the account from my credit report. XXXX reports balance updated XX/XX/XXXX. Equifax reports balance updated XX/XX/XXXX. Inaccurate reporting data, delete account immediately.