davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (LA)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2020-10-21
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. (MA)

There is a hard inquiry on my Experian credit report that does not belong to me. I contacted the company who reported it, I was told by one of their representatives that someone applied for a business loan using my information. I added a fraud alert to my credit report and sent Experian a  certified letter XX/XX/2020 and haven't heard anything back. I asked the company to remove it and they said that it has to be investigated they don't remove it. Here is the company 's address : US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Reported XX/XX/2020 XX/XX/XXXX
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Opportunity Financial, LLC (SC)

I was charged {$240.00} AND {$240.00} for the same transaction. I have contacted XXXX about the additional charged with evidence from XXXX and a personal receipt stating there should only be one charge in the amount of {$240.00} on my account. 

I was told by XXXX to contact XXXX to refund my card with the temporary hold of {$240.00}. 

XXXX has continuously charge my card and deny my dispute for the duplicate transaction/temporary hold. I have tried to work with XXXX with this issue for over 2 months now and they are refusing to apply the correction with rightful evidence.
Consumer complaint received 2020-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXX contacted me with his email and talked a part-time job with me. The part-time job is helping him to collect money owed his company in America. He gave me 5 % of the money as omission fee. I accepted it. He told me that XXXX XXXX owed his company {$98000.00} and asked me to contact XXXX. I contacted XXXX and got a check from XXXX. I deposited it on XXXX. I checked my account on XX/XX/XXXX and my account showed the money is available on XX/XX/XXXX. XXXX XXXX emailed me and ask I keep my commission fee and wire transfer {$19000.00} to XXXX XXXX using my bank of america account ( {$22000.00} ). Because I checked my account is available and think it is safe to do it. I wire transfer {$19000.00} to XXXX XXXX on XX/XX/XXXX. However, When I checked my account on XX/XX/XXXX, the deposited check is returned. I just realized I was a victim of a scam and lost {$19000.00}. 
When I found the check is returned, I contacted Bank of America to recall the transfer on XX/XX/XXXX. I got their response on XX/XX/XXXX and said they can not recall it successful.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

On XX/XX/XXXX around XXXX I went to the atm machine at US Bank and tried withdrawing money. I tried taking out XXXX $ and the machine said hardware malfunction and that my account would NOT reflect this transaction. Did not give me the money and my account is XXXX $ now. Called that branch and they said they are not responsible for it. This happened to 4 other people while I was there trying to resolve it. Called the bank the next day, and again they said everything is fine with the atm machine and could not help me. US Bank is taking unemployment money from people!!!
Consumer complaint received 2017-09-08
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. (CA)

This company discovered a breach of personal information onXX/XX/XXXX and did not report it to the public until XX/XX/XXXX. Meanwhile there is someone putting inquires on all my credit reports because they have my information and the company has failed to inform me or anyone of that matter. It took 6 weeks for myself and other consumers to find out, while in the meantime credit reports and scores are being affected. On top of that in there findings 3 executives decide to sale there share of the company and protect their self and personal information has been compromised. These unauthorized inquires should be removed.
XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc. XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX
Use Credit Union Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc. XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Bankcard XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2020-05-05
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. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX {$5400.00} XXXX XXXX {$1900.00} XXXX XXXX {$860.00} XXXX XXXX DEPTEDXXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX {$4200.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$16000.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX {$98.00} XXXX XXXX  XXXX {$260.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$54.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00}
Consumer complaint received 2020-11-18
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XX/XX/XXXX, I wrote a TransUnion a letter in good faith requesting they delete inquiries on my credit report that were previously deleted and re-added after computer glitches in XX/XX/XXXX and again in XX/XX/XXXX. The two glitches were the problem and error of TransUnion. By not giving me 5 days notice they were re-adding the deleted inquiries back on my credit report, they violated my rights. They responded with a letter denying to remove the inquiries. The deleting and then re-addding due to their glitches has caused a hardship for me along with violating my rights. I asked for the CFPB to help stop TransUnion from continuing to victimize me by requesting all the TransUnion inquiries be deleted from my report by already submitting one complaint on this issue. TransUnion responded to the complaint and again refused to delete the inquiries they added back on my credit report without giving me the proper notification before doing so. In response to this, I refuse to accept the results! TransUnion should not be allowed to mock the CFPB 's authority and continue to victimize me by ignoring my rights!
Consumer complaint received 2021-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NV)

On XX/XX/2019 I went to the emergency room sick. XXXX XXXX hospital XXXX XXXX XXXX XXXX XXXX NV XXXX. XXXX 's name on my receipt is XXXX XXXX .I negotiated the bill with the billing department From {$5600.00} to {$2200.00} in good faith and paid in full {$2200.00} on XX/XX/2019 and I saved the receipt. And about 3 months after I payed them I received an additional bill from DR XXXX XXXX for the same hospital bill I already settled and payed. for an additional {$1800.00} from a XXXX XXXX XXXXXXXX XXXX XXXX and an an additional {$250.00} from XXXX XXXX XXXX for the same hospital bill I already payed.
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
Consumer complaint received 2020-05-05
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. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX {$5400.00} XXXX XXXX {$1900.00} XXXX XXXX {$860.00} XXXX  XXXX DEPTEDXXXX  XXXX $ XXXX XXXX XXXX XXXX  XXXX {$4200.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX XXXX {$420.00XXXX XXXX  XXXX {$16000.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX {$98.00} XXXX XXXX  XXXX {$260.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$54.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00}
Consumer complaint received 2020-11-18
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. (PA)

I like to file a dispute for the following accounts. XXXX XXXX, XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXX {$780.00}, XXXX XXXX XXXX XXXX {$1600.00}, XXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX {$3700.00}, XXXX XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX {$12000.00}. These accounts are all fraudulent accounts. I have reached out to these creditors inquiring about these accounts and have ask them to provide me information on when these accounts was open, how was they open, what address and what type of information was used to open these accounts. These creditors stated either they have to find the information or they could not provide that information as some of these items are old. I have never opened up any accounts with these creditors and I believe these accounts was open up fraudulently in my name. The following inquiries are also fraudulent as well. XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX Inquiry date : XX/XX/XXXX, XXXX/XXXX Inquiry date : XX/XX/XXXX, XXXX Inquiry date : XXXX  XXXX, XXXX, XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, I have attached a copy of my Identity Theft FTC Report. The report number is XXXX.
Consumer complaint received 2023-01-31
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. (MO)

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 30 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not XXXX percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Last Activity/Date Opened/High Balance/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Consumer complaint received 2020-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Stuart-Lippman and Associates, Inc (TX)

My wife received a letter stating she owes {$12000.00} to an XXXX. 
Here is the information : Stuart -Lippman and Associaion XXXX XXXX XXXX XXXX XXXX Az . XXXX XXXX We do not own this bill. 
Improper written disclosed. 
Not a licensed collection agency I own XXXX  XXXX XXXX, XXXX and XXXX XXXX. Licensed collection agencies.
Consumer complaint received 2020-09-13
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. (MN)

The following credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20XXXX XXXX XXXX XXXX  XX/XX/20, XXXX XX/XX/20, XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/20. Furthermore, I want all fraud and security alerts deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.
Consumer complaint received 2020-11-18
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. (MA)

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

Name Account : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have kept all documents sent to the company along with certified mail receipts. I will use this in courts as proof.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$750.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ), XXXX, XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1900.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$61.00} XXXX XXXXXXXX XXXX XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-09-13
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. (MN)

The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX, XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20. Furthermore, I want all fraud and security alerts deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (WA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2021-11-27
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. (MI)

In the past I had a secured credit card with XXXX Bank. The card was eventually lost or stolen and charges were made on my behalf. The account was closed and reported as a charge off. Because the account was secured with {$250.00}, the balance of {$300.00} was reduced to {$58.00}. Although not responsible, I paid this balance in full. I contacted the creditor and asked for the account be updated correctly or removed completely as terms of our payment agreement to which they agreed. Months have gone by and they still report the account incorrectly per our agreement because it is still harming my credit. They continue to update this as a charge off. I would like the account to be removed completely from all my credit reports.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wanted to freeze my credit at Transunion and they asked for a credit card. Nowhere on the website ( to my recollection ) was there mention of a fee or subscription price. I entered my info and was signed up for a $ XXXXmo service I did not want. I called them and asked to cancel and refund, which they said they did. I received an email saying they cancelled but it made no mention of a refund. I was told to wait and check my credit card for the refund in 3-5 business days. So they can bill me instantly but take 3-5 days to refund me. Very predatory.
Consumer complaint received 2020-11-18
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. (NJ)

The XXXX account on my report is incorrectly showing a 30 day late for XXXX of this year. I already spoke with XXXX, and they said they would fix it. I couldn't have had a late payment, as the loans were deferred by the CARES act. It has been 30 days, and my report still hasn't been corrected.