davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

On XX/XX/2022, I opened a checking account using promo code XXXX. Using this offer code, I was to be paid a {$300.00} bonus by U.S. Bank if I met the following terms : Deposit {$5000.00} in new money within 30 days of account opening and maintain for 60 days. On XX/XX/2022, I initially deposited {$200.00}. I deposited the remaining {$4800.00} on XX/XX/2022, therefore bringing my total deposited to {$5000.00}. I then held the {$5000.00} in deposits for more than 60 days, until XX/XX/2022. Therefore I very clearly met the requirement to deposit {$5000.00} within 30 days, and hold that balance for 60 days. however I did not receive my {$300.00} credit. I brought this up with U.S. Bank, and they said that somehow the first {$200.00} deposit was " not an eligible deposit '' and therefore I had only deposited {$4800.00}. There is nothing in the attached terms of the offer that says which deposits are " eligible '' vs. " ineligible. '' It just says deposit {$5000.00} in new money, and all {$5000.00} of the deposits were new money. Therefore I am owed the {$300.00} bonus. My spouse also applied for the exact same bonus and did the exact same 200+4800 and they did receive the {$300.00} bonus.
Consumer complaint received 2020-02-13
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: Experian Information Solutions Inc. (GA)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX XXXX, XXXX, Dept of Ed/XXXX,  XXXX, XXXX XXXX  and XXXX. I see a lot of people running my credit and I didn't know about this please take these inquiries off to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX Police and the FTC.
Consumer complaint received 2020-02-13
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: Experian Information Solutions Inc. (TN)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX AND US DEPT ED. I see a couple of inquiries as well that I don't know about as well XXXXXXXX, XXXX, XXXX XXXX, XXXX/XXXX. I have contacted the police and the FTC.
Consumer complaint received 2020-02-13
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. (TN)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX AND US DEPT ED. I see a couple of inquiries as well that I don't know about as well XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX. I have contacted the police and the FTC.
Consumer complaint received 2018-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2018 I sent a letter To TransUnion Credit Bureau as well as several times before asking for specific information such as names of persons and exact details on how a bankruptcy is being verified, According to FCRA I have the right to this information However I received letters back that says its being verified through the court. So I reached out to the court that supposedly verified the bankruptcy to obtain in writing as to how they verified the bankruptcy or if they report to any of the credit bureaus. They responded in writing that they DO NOT report anything to credit bureaus. And that its probably being gathered through the XXXX system. So I reached out to XXXX as well and they also DONT contact credit reporting agencies. Im well aware of the FCRA Laws and know that this is a violation of rights. XXXX   and XXXX  has already removed the bankruptcy from my credit file because they were also in violation I would like for TransUnion to follow suit.. I have sent the letter that I received from the court to TransUnion and they still refuse to remove the bankruptcy.
Consumer complaint received 2022-12-15
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. (GA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



The fraudulent items are XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2022-07-05
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. (TX)

1.Account Name : XXXX XXXXXXXX Account Number : XXXX Amount XXXX 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
Consumer complaint received 2018-07-03
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Ameritech Financial (MD)

I have attempted to contact Ameritech regarding the payments I have been submitting to them monthly in the amount of {$99.00}. I also paid them document fees that were over {$1200.00}. I have been paying this company for years and this was a complete scam because I could have done the paperwork myself. I did do the paperwork myself. All they did was send it in for me.
Consumer complaint received 2022-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

We were informed by BBVA ( now PNC Bank ) that our mortgage loan would mature on XX/XX/XXXX, per a letter from the bank dated XX/XX/XXXX. To our surprise the amount due on XX/XX/XXXX was not our required last payment of XXXX, but we were informed that it was XXXX. 
We paid the XXXX in fear of foreclosure on XX/XX/XXXX. 
We have requested an explanation or payment record supporting the XXXX discrepancy from BBVA on XX/XX/XXXX and PNC Bank on XX/XX/XXXX. 
While we did receive a request for more information from PNC Bank which we provided on XX/XX/XXXX, we have yet to receive any information to support the balance we feel we were forced to pay.
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit Bureau took more than 30 days to complete my investigation
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After submitting letters by certified mail to XXXX XXXX XXXX XXXX the collection company that it is reporting me and also to the 3 credit Bureaus XXXX, TransUnion and XXXX. The information in my credit report still showing discrepancy. On XX/XX/XXXX it was showing as the account was closed and then in XXXX it was active again. Also, the balance showing in that account keeps changing constantly. Up to this day the company XXXX XXXX XXXX XXXX as been able to provide proof that this account belongs to me, and it hasn't been verified with the credit Bureaus. Please investigate this matter and correct the disputed item as soonest possible.
Consumer complaint received 2019-08-01
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. (AL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

they used my credit to apply for different products and transunion is not removing them. They have been confirmed as fraud by creditors. Please see attached documents. 
in regards to case XXXX to transunion
Consumer complaint received 2020-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

I purchased my home on XX/XX/XXXX and my mortgage was sold from XXXX XXXX XXXX to the company called NewRez. When I purchased my home my full payment was {$720.00} that number includes the Mortgage insurance, homeowners insurance and principal and interest. I received my first letter from NewRez on XX/XX/XXXX stating my first payment due on XX/XX/XXXX would be {$720.00}. I received a second letter from NewRez on XX/XX/XXXX stating the payment due on XX/XX/XXXX would be {$520.00}. When I called to ask why the payment changed no one knew why so I paid the full amount which I knew to be correct of {$720.00} and asked the employee to figure out where the money needed to go so my mortgage and homeowners insurance would be paid. I paid the correct full amount of {$720.00} in XXXX and XXXX and then I received an email from NewRez stating that they ran a mortgage analysis and that because I hadnt be paying enough my payment would be going up starting XX/XX/XXXX to {$760.00} when I talked to a customer service rep from NewRez on XX/XX/XXXX I asked that they redo the mortgage analysis because no one seemed to know where my payment was going I was advised it could take 30 days to redo. When I called on XX/XX/XXXX to get a status update the employee informed me that the request for the analysis redo hadnt been started and that they would start it that day so I paid what I believe to be an incorrect amount in the month on XXXX and XXXX and will probably have to again in XXXX because i cant seem to get anyone who has any idea whats going on with my account or what my payment should be every single time I call.
Consumer complaint received 2020-02-13
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. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. Equifax is also reporting this account as ( 120 ) days late. ( Please see page attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of a collection/charge-off, as well as late payments, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

This is an addendum of complaint # XXXX regarding Equifax. I am entitled to a free credit report and after FINALLY finding the location to request a copy of my report and being told to call or write to access my report I called their phone # where I was told to send a copy of my XXXX, Social Security card, a pay stub, drivers license, utility bill, my name, address, social security # and date of birth. Yet, if I want to purchase a copy I can gain 24/7 access in 5 minutes. This is NOT RIGHT! I, as a consumer, should not have to bare a more burdensome means to obtain a report that I am legally entitled to receive, than for that which consumers can pay for and access in 5 minutes.
Consumer complaint received 2022-12-15
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)

I sent reports to all three credit bureaus three times and explained to them that my name is reported incorrectly. Here 's the list of inquiries : Item 1 : My name is not correct on my credit file. The correct name is XXXX XXXX XXXX Please remove XXXX XXXX. Please remove XXXX XXXX Item 2 : I do not live at ; XXXX XXXX XXXX XXXX, XXXX  XXXX I do not live at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please correct the information that is on my report because it is incorrect. 

Item 3 : XXXX  XXXX The amount of the debt is incorrect. 

Item 4 : XXXX XXXXThis information is not correct. The amount is not correct. 

Item 5 : XXXX XXXX XXXX The amount of the debt is incorrect. 

Item 6 : XXXX XXXX XXXXThis information is not correct. 

Item 7 : XXXX XXXX XXXX -- - The amount of the debt is incorrect. 

Item 8 : XXXX XXXX XXXX The amount of the debt is incorrect. 

Item 9 : XXXX XXXX is not my account. It is incorrect. 

Item 10 : XXXX XXXX XXXXThis is not my account. It is incorrect. 

Item 13 : XXXX  XXXX XXXX I did not authorize or open any new accounts. 

Item 14 : XXXX XXXX XXXX did not authorize or open any new accounts. 

Item 15 : XXXX XXXX did not authorize or open any new accounts. 

Item 16 : XXXX XXXX XXXX not authorize or open any new accounts. 

Item 17 : XXXX XXXX XXXX I did not authorize or open any new accounts. 

Item 18 : XXXX XXXX I did not authorize or open any new accounts. 

Item 20 : XXXX XXXX XXXX- I did not authorize or open any new accounts. 

Item 21 : XXXX XXXX This is not my account. It is incorrect. 

Item 22 : XXXX  XXXX I did not authorize or open any new accounts. 

Item 23 : XXXX I did not authorize or open any new accounts. 

Item 24 : XXXXI did not authorize or open any new account with this vendor. 

Item 25 : XXXX XXXXI did not authorize or open any new account with this vendor. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help in this matter.
Consumer complaint received 2020-02-13
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. (FL)

THE DISPUTED ACCOUNT HAS APPEARED ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. I AM NOT LIABLE TO THE LISTED AND I AM REQUESTING FOR THE ACCOUNT TO BE COMPLETELY REMOVE OFF MY CREDIT.
Consumer complaint received 2020-02-13
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. (FL)

THE DISPUTED ACCOUNT HAS APPEARED ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. I AM NOT LIABLE TO THE LISTED AND I AM REQUESTING FOR THE ACCOUNT TO BE COMPLETELY REMOVE OFF MY CREDIT.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 XXXX placed Account # XXXX as a charge off on my credit reports; dropping substantially my Credit Score. 
On XX/XX/2022 I contacted XXXX regarding Account # XXXX and reached an agreement to delete this account from my credit file on the XXXX Credit Bureaus XXXX XXXX XXXX TRANSUNION & XXXX ) XXXX I am attaching a letter to support this claim. This letter states that the account # XXXX has a zero balance and no further payments are required. 
On XX/XX/2022, I sent Certified mail to each reporting agencies ( XXXX, TRANSUNION & XXXX ) with a copy of the letter provided by XXXX stating that the account was satisfied and requesting removal from my credit report. 

On XX/XX/2022 my Credit Report showed removal of the Account # XXXX from the XXXX credit Bureaus ( XXXX, TRANSUNION & XXXX ) On XX/XX/2022 my Credit Report, shows that account # XXXX from XXXX was placed back on my credit report, stating a balance of {$2700.00}. 

In accordance with the Fair Credit Reporting Act SUNTRUST/TRUIST acct # XXXX the credit bureaus violated my rights with reporting inaccurate information on my credit report accounts.
Consumer complaint received 2021-08-23
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: JPMORGAN CHASE & CO. (MD)

XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX JPMCB CARD XXXX  XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a validation of debt. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! 

Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from JPMBC CARD for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out.
Consumer complaint received 2022-07-05
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. (TX)

1.Account Name : XXXX XXXX XXXX Account Number : XXXX Amount XXXX Date opened XX/XX/XXXX 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
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (VA)

I had a Barclays XXXX Credit Card ending in XXXX that I opened in XXXX and closed in XXXX. I need to file a claim against one of the purchases and I need my full credit card number associated with my purchase. Barclays helped me get the statement associated with the purchase but I am unable to get the card number assigned to me. This will result in a loss of {$3700.00} for me because I can't file the claim. This number was assigned to me and it doesn't make sense that Barclays is unwilling to give me the card number that was my own. I have tried to work with Customer Service but all I hear is that it is not possible. 

I received the statement but conveniently it doesn't have my 16 digit account number on it. Barclays has also not reported the account numbers to the credit bureaus when all the other banks report the credit card numbers to the credit bureaus. This has put me in a situation that is very problematic for me.