davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
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. (GA)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
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 Dept of ED : XXXX ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ) Bankruptcy XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXXXXXX DepXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I have been fighting the past 3 years with Experian, XXXX and XXXX in reference to my credit report still showing XXXX delinquent/ late payments for XXXX XXXX for an auto loan. I have submitted documentation to all XXXX Bureaus stating my payments were never late or missing per the Chapter XXXX I filed in XXXX. I even submitted the payment schedule to XXXX 's Bankruptcy dept and their customer service. 

No one seems to want to correct this information to reflect payment in good standing as being paid on time and in full per the agreement. 

None of them can seem to explain the error or verify it.
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: Experian Information Solutions Inc. (IL)

n accordance with fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance what fair credit reporting act XXXX  Account XXXX XXXX consumer n accordance with fair credit recording act XXXX Account XXXX XXXX XXXX 15 u.s.c 1681 section 602 A States I have the rights 15 u.s.1681section 602 A Section 2 it also states a consumer reporting agency can not fumish A account without my written instructions
Consumer complaint received 2020-05-20
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. (TX)

I have inaccuracies on my credit report. I've sent verification letters on XX/XX/2020 and method of verification letters on XX/XX/2020 and their only response is updated. There is a clear error on my report stating that I am late 90 days and 120 late but the months before that its stating that I'm on time.
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: EQUIFAX, INC. (IL)

n accordance with fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance what fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance with fair credit recording act XXXX  Account XXXX XXXX XXXX 15 u.s.c 1681 section 602 A States I have the rights 15 u.s.1681section 602 A Section 2 it also states a consumer reporting agency can not fumish A account without my written instructions
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Gatestone & Co. International Inc. (MI)

Over the last 4-5 weeks, Gatestone and Co. International has called my employer, relatives and friends about an XXXX bill I owe. 
1 - They do not call me at all. I had to get messages from friends and family about their calling. Called my family liars when they said I was not home. Gatestone is calling people all over the US who I DO NOT live with and haven't spoken to in years. I had to call them to find out who they were and what debt. 
2 - The debt they were calling about, yes I owe but not behind in payments. So I asked why they continue to chase ... no response, just repeating that I owe money 3 -  Specially told them not to call anyone but me and they have my number ... They are harassing my ex-husband & his family. We have been divorced 13 years 4 - Today XX/XX/XXXX, they called my employer insisting that I handle this debt and call them back. Again, embarrassing, no phone to me and my account is up to date. 

This is outrageous!
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Integrated Asset Recovery LLC (FL)

Portfolio Recovery LLC have been calling me twice a day tying to collect on a department credit card account that has been closed for over 15 years. I have told them that I don't owe them any money and that they need to stop calling me. I have also written to them and stated the same. They are still calling.
Consumer complaint received 2023-01-19
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. (KS)

Bureau is illegally reporting inaccurate information in violation of the law 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 ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; if the original debt XXXX XXXX account was indeed mine it would be illegal for you to report it unless you received written consent from me the consumer. Which you did not. 

the original debt XXXX  account is listed as charged off {$920.00} on my consumer report meaning said company would have received a tax credit for the balance charged off and sent out a form indicating it would be counted towards my personal income. ie ( debt paid in full ) for this debt to then be sold to XXXX XXXX as a debt unpaid is both fraud and illegal XXXX XXXX lists the debt amount as {$1000.00} again reporting a debt that is not mine with inaccurate amounts is both fraud no consent again from me the consumer is identity theft!

15 U.S. Code 1681c A 4 states- ( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. these are just the first 3-4 violations that have come up not including the invalid debt amount and the unverified information the bureau and collection agency have reported
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2024-05-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (TX)

Note : if you will see the Total amount of vehicle has been changed twice. Now XXXX claims that a different amount has been changed from XXXX. On my credit reports it shows different. Also see documents of a Security hack with my personal information involved. XXXX claims it is from XXXX XXXX XXXX lied and said they did not sell my debt to anyone? Maybe they didnt sell but why does XXXX have my information? This has gotten to be harassment from XXXX. Thank you to CFPB for listening to this ongoing racket of XXXX. I know for a fact that they have something to do with the GAP insurance I had as well.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I disputed a XXXX XXXX XXXXXXXX account on my credit reports. Today I received notice that my dispute is settled and it is still remaining on my Experian credit report. I am again submitting the letter from XXXX XXXX XXXX XXXX that shows proof this is to be deleted off my credit reports.
Consumer complaint received 2018-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear officer, This is XXXX, my family is a victim of wire transfer fraud on Monday XX/XX/XXXX ( {$120000.00} ). The fraud wire transfer was on Monday morning XX/XX/XXXX around XXXX. We discovered the fraud on Wednesday XXXX around XXXX XX/XX/XXXX. The name and the account number do not match in the wire transfer. However, Bank of America ( which holds the fraud account ) still released the fund to fraud account on the same day of the wire. Bank of America didn't hold the funds before they got more information about the transfer. Even though the fraud account is a newly opened account, Bank of America still released such big amount of money to the fraud account. Please help us!! 

Fraud Recipient name : XXXX XXXX XXXX XXXX Fraud Recipient Bank XXXX Bank of America Fraud Recipient Account Number : XXXX My name : XXXX Sender 's bank : XXXX XXXX , New York Account number : XXXX
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (NY)

I originally applied to XXXX mortgage for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX mortgage provided mortgage services to my account but was never the lender or owned my mortgage. XXXX  mortgage is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX mortgage is also reporting the exact same information which is correct but XXXX  mortgage services need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.
Consumer complaint received 2021-11-30
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)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-07-24
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. (TN)

XXXX XXXX XXXX Ending in XXXX In XX/XX/2020 I called XXXX XXXX  Credit card and told them I had the XXXX. They stated to me it was no problem, that my payments would not be marked late. When I went back to work the end of XXXX I called XXXX XXXX  on XX/XX/2020 and paid the account in full. On XX/XX/2020 XXXX closed the account and put it in " charged off '' off status on my credit report after paid in full. The late payments during the virus months and the charge off after payment in full has severely damage my credit. XXXX XXXX refuses to fix. This is unacceptable that a credit card company not only mireported late payments and a charge off and refuses to correct the tradeline on my reports!
Consumer complaint received 2021-07-19
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. (PA)

Please update immediately this is not a dispute. Information has been reported incorrectly. Change my status. I received a letter from XXXX  for all 14 student loan accounts. This has stressful and ruining my life.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (CA)

In XXXX of 2020, I received an alert that my credit points had dropped ten ( 10 ) points due to PHH Mortgage company submitting negative  information. In XX/XX/2020 due to Covid19 also known as the Corona Pandemic PHH assured its borrowers that they would work with them during this time and sent emails stating that they would not charge any late fees, report negative marks on anyone who applied for a forbearance, and yet they did.
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (MA)

On XXXX/XXXX/2016, an unauthorized ACH posted to my TD Bank account in the amount of {$2000.00}. I went into the bank on the day it posted and signed a dispute claim. Three weeks later, I saw that the money was still not refunded to my account. I called TD Bank 's fraud department to get a follow-up, and was told that the dispute had been resolved in the other party 's favor because the other business claimed I had in fact authorized the charge. The member of the fraud department to whom I spoke could not give me any information regarding the entity that debited my account, what evidence had been provided suggesting that I had authorized this ACH, or tell me what else I could do to get my money back. 

Imagine that your bank account is debited {$2000.00}. You go into the bank and tell them that you did not authorize the dispute. Three weeks later, the money is not back in your account, and when you call their fraud department to inquire, they tell you that you are n't going to get the money back and that there is simply nothing else they can do to help you. This is what TD Bank has done to me.
Consumer complaint received 2022-04-05
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)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2021-07-19
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. (PA)

I sent in dispute letter about inquire 's that was from identity theft XX/XX/2020. Trans Union have not responded. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have called Trans-union multiple times to fix the wrong addresses and phone numbers listed on my credit report. The agent tells me to write a letter which i did a year ago, then told me to send in information, I've done that. My bank said it is NOT my responsibility to provide information they should know. This is fraud because i have tried to rectify this issue. 

This is messing up buying a house & credit cards i apply for.
Consumer complaint received 2021-07-19
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. (PA)

Please update immediately this is not a dispute. Information has been reported incorrectly. Change my status. I received a letter from XXXX for all 14 student loan accounts. This has stressful and ruining my life.
Consumer complaint received 2021-01-25
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: DISCOVER BANK (UT)

The information that is being reported on my credit report is not accurate. 
Company or Organization : DISCOVER BANK Account Number : XXXX Date that I discovered it : XXXX / 2019 Total fraudulent amount : {$15000.00} I have reported this information to FTC and will attach the file. This account, stated above, is fraudulent and needs to be removed.
Consumer complaint received 2023-01-20
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. (AZ)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be removed from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX # XXXX. I have been in contact with Bank of America, and they submitted initial explanation of my original inquiry, however there are still questions. I have reached out twice to the representative, and left two voicemails, however have not heard back. I understand that since it's XXXX XXXX / XXXX week, communication is a little delayed, however I would like to receive a final response on " other deferred amount '' totaling {$3800.00} pertaining to the Home Modification loan of 2010. My question is, is the deferred amount a fee of the modification loan process, or is this amount corresponding to missed payments? At no time during this time was a payment missed, but rather the payments were purposely withheld by BOA so that I could qualify for the XXXX XXXX loan. Therefore the deferred amount previously mentioned is non-existent. I would like to have clarification on this question. Thank you very much in advance.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why its dismissed. Well today ; I logged onto XXXX  to verify that all of the information was correct ; ie. case numbers, closing dates ; etc., and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XXXX  is XXXX ; however what being reported on all 3 credit bureaus and probably XXXX and XXXX is incorrect information. Its being reported as XXXX.
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. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX US DEPT ED XXXX U S DEPT OF EDXXXX XXXX DP OF EDUC XXXX USDOE/XXXX  XXXX
Consumer complaint received 2020-07-24
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same with the inquires all the accounts are not mine