davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-19
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. (OK)

I have submitted several complaints here and via certified mail. The investigation took more than 30 days and they refuse to remove the data. By law it is supposed to be removed.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern : I am a Pennsylvania XXXX ( ID # XXXX ), and I am submitting this dispute because MyCase and XXXX, XXXX improperly denied my application for XXXX payment services. A copy of the denial letter is attached. XXXX is a cloud based legal management system used by attorneys to store client information and bill client time. The service I applied for would have allowed me to accept credit card payments. As part of the review process to qualify for the service, XXXX used XXXX ( a real estate management company ) to investigate my credit report. XXXX claims that they pulled my Credit information from Experian. A copy of my Experian Credit report is attached. MyCase and XXXX appear to be either closely related or the same company, because they both have the same Corporate Headquarters address located at XXXX XXXX XXXX, XXXX, CA XXXX. 

XXXX claims that I was denied services because my credit score is XXXX and the date the score was allegedly created was XXXX/XXXX/2016. The Experian credit report does not show that that either XXXX or XXXX made a credit inquiry. See pages XXXX of the XXXX section of the attached Experian credit report. Furthermore my credit score is XXXX and not XXXX as stated in the XXXX credit denial letter. See page XXXX of the attached XXXX Credit Denial Letter. See page XXXX of the Experian report to view my credit score. 

Thank you for investigating this matter, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2016-11-02
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: KEYCORP (CT)

During Key Bank 's takeover of First Niagara Bank, XXXX payments were made to my XXXX Sapphire credit card, each in the amount of {$12000.00}. 

This error occurred due to faulty information I was given by a representative of Key Bank at my local branch office on XXXX/XXXX/16, and exacerbated by their online banking site after the transition on XXXX/XXXX/16. I called the Bank and XXXX credit card company as soon as I noticed the error on XXXX/XXXX/16. I have subsequently made many call and have spent several hours on the phone trying to get my money back. At on point, XXXX agreed to return my extra payment electronically within 3-5 business days. This did not happen. Key Bank said they could refund my account, then work with XXXX to return the funds to them, but this has not happened either. I finally called my US Congressman 's office to enlist their help in getting my money returned, but even he has not gotten a satisfactory answer as to when my problem with be resolved. 

As this was a very significant error, my checking account had over an {$11000.00} deficit for two weeks. I had mortgage payments that became due and were not paid as scheduled. I had to move {$10000.00} dollars from my savings to my checking so that I would not have issues with my mortgages and monthly bills. As such, I am losing the small amount of interest on my savings. If this goes on much longer, I will have to dip into more of my savings which could bring my accounts below the level needed to have monthly bank fees waived. Although this is minor compared to still being out {$12000.00}, they are penalties I should not have to incur. I am very grateful to have the funds to transfer, but this situation is causing anxious days and sleepless nights for my husband and I. As XXXX we hope for a less stressful retirement.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently obtained a copy of my consumer report and I have found that there are violations contained in that report. There transactions being reported as late on some accounts. This is not allowed by law. More specifically the following section of the law states that 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I explain these things more in depth in a statement that I will attach to this complaint.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (MN)

Experian has deleted and removed the following fraudulent account : XXXX XXXX : XXXX, balance : {$2000.00}, 3 times from my Experian credit report previously, but Experian keeps re-inserted and putting the fraudulent XXXX XXXX account back on my credit report. The XXXX XXXX account is not my account. Its a fraudulent account.I have never applied for a XXXX XXXX Bank credit card account. Someone stole my identity and used my personal information and applied for 4 XXXX XXXX Bank credit cards, including the account above. I have been a victim of identity for over 25 years.
Consumer complaint received 2022-02-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Due to financial hardship there was a flood in my home thus resulting in late on my XXXX payment which was made on XXXX second. I made XXXX payment on XX/XX/24 which is the last date before the account is considered late for XXXX. I received notification from TransUnion that my account was 30 days delinquent which is incorrect it was current as of XX/XX/24 and the following payment for XXXX was received less than 13 days later. I respectfully request my credit report be amended to current as all payments were received. I called XXXXXXXX XXXX on XX/XX/24 to address the incorrect reporting on my credit report and XXXX the representative would not listen to me or address my concerns. I asked to speak with a supervisor was told she would transfer me and instead they kept me on hold and then hung up the call. Which I encourage them to pull the call as all calls are recorded for quality assurance and monitoring. The representative was very rude and unprofessional and didnt address my concerns or create a ticket to address my concerns. This resulting in needing to file a complaint. This XXXX payment will hinder my progress with closing/selling my home in the next three weeks thus resulting in impending homelessness.
Consumer complaint received 2022-02-19
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NY)

This is an Identity Theft reporting issue about CREDIT REPORTING AGENCIES ( CRA ). In particular, Experian.com of XXXX XXXX and their ID Theft supervisor, XXXX at ext. XXXX. 
I spoke with a Experian credit Dispute Identity Theft supervisor named XXXX in early XXXX XXXX. My concern was as a victim of I D Theft, there should be a FCRA block under sec 605B to allow victims the right to rebuild their credit. I had XXXX item in public records that was negative : and due for removal XXXX XXXX XXXX, and despite all efforts is still there. as is the other Judgement ( not mine ) in my name while and Identified by XXXX ereports as IDdentity theft, see attached and should be blocked under FCRA Sec. 605B. 
Experian supervisor XXXX stated I should pay a lawyer to remove filing by vacating it. That cost too much money & I was an Identity theft victim entitled to mandate Experian to block negative inaccurate items from my CR under FCRA sec 605B. Experian supervisor XXXX advised me that the cheapest way to remove the one remaining NEGATIVE item on my CR was to contact the the XXXX warehouse and public records manager for Experian and ask for it to be removed. XXXX promised me that if I convinced Experian 's subcontractor, XXXX, to remove these judgments filing as a mistake due to I D theft or for any reason, XXXX would delete the filing under FCRA sec XXXX. So I did. and XXXX XXXX did indeed removeall refrences, see attched. I faxed the XXXX/XXXX/XXXX XXXX report letter from XXXX to XXXX twice during XXXX XXXX. XXXX is the consumer reporting arm of XXXX. XXXX reviewed my request and agreed to delete the Judgements from their data base and the personal report they did on me. I was very happy XXXX XXXX was helpful and aware of the damage that an Identity Theft issue could do to my personal credit report with all XXXX CRAs. As you know, XXXX is the GATEKEEPER of data for all public records reporting in America for ALL XXXX CRAs! 
Incredibly, Transunion has also refused to remove XXXX public Judgement for XXXX $ ( meaning there is no monetary value to the judgment ) involving Identity theft from my Transunion and Equifax reports, So I checked with the XXXX about why CRAs violate the FCRA law. XXXX sued all three CRAs in XX/XX/XXXX, forcing each of them to sign a Consent Agreement on XXXX/XXXX/XXXX that mandates them to give their workers the discretion to remove any Identity Theft related content or credit inquiries or credit files immediately. The CRAs agreed in the Consent Agreement with XXXX to delete these inaccurate items related to ID theft immediately or suffer additional fines and penalties. The CFPB must order Experian, XXXX, and XXXX to delete this Public Records based on identity theft content from my file. Experian supervisor XXXX said Door to Door Sales Act would allow him to delete this public record :
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously disputed several inquiries with TransUnion and never heard back on the following results, it has been several months already : - XXXX XX/XX/XXXX : Not my inquiry, resulted from identity theft - XXXX XX/XX/XXXX : Not my inquiry : company states a company applied for a merchant account. I am not a company nor have I ever owned a company. 

- XXXX XX/XX/XXXX : Not my inquiry, resulted from identity theft - XXXX XX/XX/XXXX : Not my inquiry, XXXX sent me a letter stating they were n't able to find why they ran my credit and they are requesting I provide them with my social, I will not provide my social as this initial inquiry was a result of identity theft. 

- XXXX XX/XX/XXXX : Not my inquiry, XXXX sent me a letter stating they were n't able to find why they ran my credit and they are requesting I provide them with my social, I will not provide my social as this initial inquiry was a result of identity theft. 

- XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft
Consumer complaint received 2016-08-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (TX)

I sent a money order for {$50.00} to XXXX Medical Center. I spoke to a representative by phone informing the money order number because they sent another statement that did not reflect the change in balance. They then sent it to collections when I sent a letter advising that I have already sent a money order and it was cashed and they are not reflecting the change in balance due. It states that I owe {$80.00} still. I did not file a police report yet but I am going to. The Money order was cashed Janurary XXXX 2016 it had my patient ref # and the business name listed on it. I 'm only disputing the {$50.00} I know I owe them {$30.00}. After XXXX and having my car flooded Im still playing catch up for expected and unexpected bills. I cant afford to pay something I 've already paid when I can be paying something I actually do owe.
Consumer complaint received 2017-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (OR)

I got a notice on Friday stating I owed money for medical bills. It went from XXXX to over 1200. What was a simple blood test, turned into a huge loss. I called Monday morning to make a payment. I paid XXXX to them. Tuesday morning I woke up to see my bank account drained. I called my bank who stated it was the collection agency. I only authorized the XXXX to be paid. They took everything I had without any legal authority.
Consumer complaint received 2022-09-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-09-07
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau 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. The following 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/2021 Balance : {$0.00}.
Consumer complaint received 2022-02-19
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-19
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (MD)

During XXXX and XXXX I purchased items through online venders. These hobbies are highly technical and required exact part specifications be sent. Often these products were either misadvertised or came in a different condition than described. Because of the frequency of this, it created a witch hunt of sorts on all levels it seems. I exercised or tried to exercise my rights to the best of my ability to challenge and dispute these with Branch Banking and Trust, BB & T. I went into the XXXX maryland location on XXXX and another on XXXX maryland. This is well noted that both XXXX XXXX and XXXX XXXX run/attempt to manage these locations. They are strong characters in the community, strong enough they are above the rules and assisting customers with complex issues. I have banked with BB & T for over 12 years, this has tarnished my relationship, causing close accounts and personal distress. I go in several times and try to get/give information relating to the claims opened in both XXXX and XXXX. It has been over a year and I am still fighting with this branch on all levels, while my original questions relating to the claims remain unresolved/unanswered, but not lost in the mix. They keep trying to group my several issues that they are creating over and over, its been going on for over a year, I wish I was allowed to wiretap the treatment. It is clear they are creating problems to confuse, complicate and distract from each individual issue to discredit me. I am telling everyone I know in the community with your names as well of those causing these issues, the whole community knows now and agrees. 

*What is needed from BB & T relating to all my claims/disputes opened in XXXX and XXXX is the following for each : *The letter is to include the following : 1 ) Date claim opened. 2 ) Company the claim was opened with. 3 ) The claim amount. 4 ) The status of each and when opened/closed. Please provide this to me in letter format. Please also send this information to the appropriate departments internally. This is/was my clear request on today 's call. Please provide me that letter answering the above after forwarding to the correct departments. 

*Please send the above to the company, as I have tried other steps with no remedy. Please also send a copy of this entire complaint and all future responses relating to the physical address on file through conventional mailings. Having a hard copy of this information to read in print is my clear request, as it greatly aids in my XXXX. This unique issue has never been addressed. I need this information or eventually it will be argued and demanded in costly legal trial through discovery. It 's been an unreasonable amount of time. The whole time I was XXXX they only got meaner, eventually XXXX and closing my accounts in my vulnerable time of need. It will never be forgotten. You are all personally liable, there is no plausible deniability.
Consumer complaint received 2022-09-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.