davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-04
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. (MS)

XXXX XXXX XXXX ( XXXX-XXXX ) They 've taken it off my report and re added it before investigation was done, and took more then 30 days to initiate any type of resolution. XXXX XXXX XXXX Did not even submit it to company, had results before Day was over, so did not try to get correct information on account as it 's settled. XXXX and Transunion. 

XXXX XXXX XXXX XXXX {$460.00} XXXX They did not contact creditor to update, settled account, this account was n't even mine, documents sent to creditor and submitted to XXXX, Transunion should not be on report as shown. 

XXXX I have no liability for this account and should be removed, this account has transferred to new account with student XXXX XXXX, and was in a criminal investigation and letters and file block was sent to XXXX per the XXXX XXXX XXXX, FTC and should be removed. XXXX XXXX and Transunion both have continued to lock me out of viewing and correcting my report by submitting documents, emails, and other forms of proof to substantiate my claims as they will not abide by the laws of the FCRA and should be held liable as pursuing legal actions toward them, other bureaus have used submitted documents and removed accounts in question. I constantly have fraud alerts added that I do not initiate and do not want or need on my reports and want that stopped immediately.
Consumer complaint received 2023-01-28
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. (VA)

Experian is reporting inaccuracies on my credit report regarding a fraudulent address ( XXXX XXXX XXXX, XXXX, Va ) and a fraudulent XXXX XXXX account number : XXXX. Experian has failed to delete these inaccuracies. I have proof XXXX  XXXX that this a fraudulent account.
Consumer complaint received 2022-04-05
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. (NC)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2020-09-17
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: Onity Group Inc. (MO)

Some time in XX/XX/XXXX, PHH Mortgage sold my mortgage to XXXX. I did not authorize this, initiate or suggest this change. My mortgage was with PHH Mortgage since XXXX. When PHH sold this mortgage, they closed my account. This caused my mortgage history to be eliminated with the credit bureaus, and showed up on XXXX, XXXX, and XXXX as a closed account. I did not authorize nor request the account be closed. 

This change also resulted in a 69 point drop on all my credit reports. When I called to dispute this, Transunion said there was nothing they could do about this, and to keep paying on time as I have been doing, and the score would rebound. 

This is absolutely absurd. I work hard on paying my bills on time in an effort to keep an outstanding credit report. 

Please address this situation. It's devastating to see your credit score is in the 700 's, but a business takes this action, dropping your score to 600 's, and the consumer has no say in the matter.
Consumer complaint received 2023-01-28
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: FC HoldCo LLC (TX)

It appears that various attempts were made to ruin my credit for purchasing a vehicle in XXXX and in XXXX. There were about 15 hard inquiries which were not me and I'm trying to have them removed from my credit report as they were fraudulent.
Consumer complaint received 2022-04-05
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. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint Equifax responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Opened a new account ( Checking/Savings ) consumer with Bank of America based on a promotion that stated we were eligible for a {$300.00} Promotion when using ACH. Other terms applied. We called a BOA center. The account was opened " online '' via the call. We then proceeded to a branch to validate our identity ( we, being Husband/Wife ). I have now called on numerous occasions and have visited the branch twice. We have not received the promotion. We have been told it is due to a missing targeted code on the account. However, when we opened the account this was not discussed and we were assured we would be receiving the bonus offer. The offer is available on their website here : XXXX XXXX XXXXXXXX We have also noticed that there is now another offer here : XXXX XXXX  XXXX
Consumer complaint received 2024-02-22
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. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (GA)

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. 

Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have 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 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX we closed on a mortgage with XXXX XXXX, XXXX of the lenders suggested by XXXX. The negotiations specifically excluded provision for insurance on the contents, as we did not need or want such insurance. We have been paying our monthly payment of {$540.00} since XX/XX/XXXX. Wells Fargo sent us a letter dated XX/XX/XXXX advising us that they have purchased our mortgage and will commence serving it on XX/XX/XXXX. The letter stated : " Rest assured, this transfer does not affect any terms or conditions of your mortgage. '' A letter dated XX/XX/XXXX from Wells Fargo stated that our hazard insurance had expired on XX/XX/XXXX and " We plan to buy insurance for your property '' There was no such policy, and I have been calling them numerous times to find out how they could legally change any of the terms of our mortgage. My calls have not provided any satisfactory response. We have now received an invoice to a payment of {$560.00} into our escrow account and that our monthly payment will increase from the {$540.00} we have paid for nine months to {$600.00} starting on XX/XX/XXXX. We are XXXX & XXXX years old and XXXX XXXX is our only income.
Consumer complaint received 2022-04-05
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. (CA)

In accordance with the Fair Credit Reporting act the following have violated my rights : account number XXXXXXXX XXXX XXXX last for of account number XXXX, XXXX XXXX XXXX XXXX XXXX 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 states : A consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

The merchant credited me through Citibank for a transaction that was not completed. The merchant provided proof of the refund and its receipt by Citibank but Citibank refuses to credit the account, stating that I must contact the merchant. See attached for greater detail.
Consumer complaint received 2021-03-04
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: Complete Credit Solutions, Inc. (TN)

On XXXX XXXX, Complete Credit Solutions began reporting derogatory information to my credit report. I contacted the collector requesting validation which they failed to respond to and proceeded to add derogatory marks to the already erroneously reporting credit file. There has been NO written form of communication, contract, or signature for this accused debt. According to the FCRA Complete Credit Solutions has violated my rights as a consumer and I'm requesting this account be removed immediately from all credit reporting agencies.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (IL)

On XXXX XXXXXX/XX/2022, I tried to deposit {$220.00} cash into my Regions Bank checking account using their ATM. The ATM took my cash deposit and returned a {$20.00} bill and gave me an error message. It returned my bank card to me as well. The ATM then returned to the welcome screen and did not add my deposit to my account. 
I immediately drove up to the bank teller window, spoke with XXXX, telling her what just happened. She told me that she noted the time and would fill out a report immediately. 
XXXX went by and I never received any information on my missing deposit. I went into the bank and was eventually helped out in receiving a provisional credit. After receiving the credit and having it for a XXXX XXXX, Regions then sent me a letter telling that they had reviewed the situation, and they took back the provisional credit. 
I have since gone into the bank XXXX asking for any information or help on getting my deposit back. XXXX will write down my phone number on a post it note with other random notes, tells me she will call within a XXXX XXXX, but never does. I was also advised, by XXXX, not to use the ATM, as it is unreliable and this same situation has happened to other customers. 
Any help or suggestions would be much appreciated
Consumer complaint received 2021-08-09
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. (MD)

I have been in contact with Equifax about these inquiries that arent mines they told me to get a police report which I did they have still failed to remove these inquiries
Consumer complaint received 2020-09-17
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. (TX)

XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7400.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance {$0.00} Date OpenedXX/XX/XXXX Dispute Item Reasons Additional Comments XXXX # XXXX I have no knowledge of this account XXXX # XXXX I have no knowledge of this account XXXX # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I've tried to access my credit report from Equifax on XX/XX/year> and XX/XX/year> on annualcreditreport.com and I've also contacted Equifax at XXXX. They refused to let me access my free weekly credit reports online.
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (SD)

XXXX XXXX services is attempting to collect an unverified invalid debt that has been disputed and never validated. They have done a inquired check of my credit report with out my permission and without written communication and a opt out in writing.

debt is alleged until proven 15 USC 1691.

Fraud Alert. This account does not belong to you.

No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report.

Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported. 
Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report.

Provide me with bona fide evidence that you have abided by the law.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2021 I first disputed an unauthorized charge on my Chase Bank credit card ending in XXXX of {$42.00} for a XXXX XXXX XXXX subscription. 

After months of disputing this same charge Chase Bank which the XXXX had accepted subscription cancellation on XXXX Chase advised me the only solution was to discontinue this card number and replace with a reissued card with exact same benefits and a new card number which I agreed reluctantly to do. After a rigorous process of notifying legitimate merchants Chase gave the new number to the disputed merchant.
Consumer complaint received 2023-01-28
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)

For several years I have disputed negative accounts on my Transunion account. They accounts they said have been " verified. '' when I ask for verification, none is ever provided. I am writing this complaint that the most recent disputes specifically student loans over ten years old are not mine. I have continuously asked for verification and have gotten none. Please assist.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2018-04-03
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

The vehicle was involved in an accident and, declared a Total Loss. the insurance co paid the loan off in XX/XX/2017. However, the lender has failed to properly report the loan Paid and, instead has reported the account Open and, delinquent. I have filed disputes with the Credit bureau but, the lender refuses to update my Credit report. I have documentation obtained from the lender including payoff letter and, payment history. Lastly the lender refuses to provide a payoff letter with the correct payoff date.
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

on XXXX XXXX XXXX 
I have XXXX clients. They paid me XXXX XXXX each .that 's their payment from selling me good services. 
XXXX XXXX XXXX XXXX XXXX XXXX 
Someone had a dispute with me XXXX time, but I fixed it and refunded my money. 
I want to complain to paypal. They suddenly and permanently limit my accnt without explaining the reason. Mine is fine to sell on paypal. Everything they asked for. I gave in. then XXXX day I suddenly received an email saying that it is permanently limited. I am being too careful with paypal. I hope you can help me to restore my account. I have begged and begged for it several times. I left my accnt first. So I can get my balance first because I need it because it's more support for my family. Thank you very much.
Consumer complaint received 2023-01-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 9th 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 alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXXXXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (PA)

Radius Global never sent my a 5 day notice notice before placing this collection on my credit report. This is a violation of the FCRA and my customer rights. 

If you believe you sent me the 5 day notice then produce the certified XXXX receipt with my signed signature showing I received your companies notice if not delete this account immediately.
Consumer complaint received 2022-04-05
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. (CO)

Since becoming the victim of identity theft, I recently checked my credit report with transuion and XXXX and notice that I have 2 accounts from ( XXXX ) and another from a company called ( XXXX XXXX ) that are fraudulent accounts that's showing on my credit report that does not belong to me. Farther more, I discovered from reviewing my credit report from transuion that I have 11 negative inquiries thats reporting on my credit reports that does not belong to me. The 11 negative inquiries are the following XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX 's XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX 's XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX These accounts are fraudulent and does not belong to me.