davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXXXXXX XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected. 
I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations.
Consumer complaint received 2020-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

A cold call from XXXX ( XXXX XXXX XXXX. Claimed to be debt collector for att. Claimed I owed over XXXX. Read off my Name, address and phone number. Requested my social security number. I responded that I had no accounts with att. I refused to give any personal information. I googled the number. It has been reported as a scam by others.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$380.00} XXXX {$0.00} XXXX  XXXX {$2100.00} XXXX {$22000.00}
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 I purchased an adjustable bed base on XXXX, I received a base a few days later but it wasn't the base that I had ordered. So, I contacted the seller by phone and explained to them the issue. They asked for photos of the bed and the labels on the box which I provided to them however they never responded to my emails. So I kept emailing and calling them but the only thing I got was mistreatment from XXXX, the advisor I spoke with on the phone. So, being that I was unable to even have them come to my house to pick it up I opened a claim with my bank stating that I never received the product that I had purchased. After I did that they finally called me back stating that they had scheduled a pickup and that they would refund me my money. They sent a driver by the name of XXXX and another guy and they took my base back but never refunded my money. I sent them multiple emails after that, I called and left voicemails but they NEVER replied again to my emails or ever called me back. They now have the base they had delivered to me and my money and I have nothing. The claim with my bank was denied because I had initially created the claim stating that I didn't receive the item that I purchased because they sent me the incorrect one. Now Chase won't open another claim under the current issue being that I already returned the item but never got refunded. 

Item purchased : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Order date : XXXX XX/XX/2020 Order total : {$1700.00} Order # : XXXX
Consumer complaint received 2020-07-14
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. (MD)

Over a month ago I called XXXX  customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from my credit report.
Consumer complaint received 2022-08-17
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. (FL)

XXXX XXXX sent me an email that someone had accessed my credit report & i had not applied for anything credit wise - i found a company called XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX had accessed my credit report without my consent- i called them and they said someone in California had applied ONLINE for a credit card in my name and they did not issue because of too many inconsistancies ... i ask them to remove the HARD hit from my credit as i had not signed anything or given them consent - i put fraud alert with the XXXX major reporting services- and sent them proof of my residency in Fl -- -- i sent a letter to XXXX XXXX Bank as well and called them which they kept telling me to send the info along with a FTC report to the credit bureaus and to date they still have NOT removed their HARD hit -- -- -why am i being punished and made to do all this work when they were the ones that illegilly accessed my credit report - and it was obvious from the beginning it was FRAUD so why will they NOT remove their inquiry?
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-07
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: EQUIFAX, INC. (GA)

I submitted a dispute for XXXX XXXX, and Equifax confirmed that they did receive my dispute and submitted it on XX/XX/2018, it is XX/XX/2018 and this account is showing disputed. I called yesterday XX/XX/2018 and spoke with one of the representatives and he states that it is still under investigation. I has been almost 2 months and they have not removed this account from my credit report. From my understanding a company have 30 days to respond to an investigation, but XXXX XXXX has failed to comply. I then called again to ask that this account be removed from my credit report and another rep stated that the account was not in dispute and she have to send another dispute. I asked her what was the result of my dispute from XXXX and she said she did not know.This is seriously a violation, your company gave XXXX XXXX  more that 30 days to respond and they have not. This is unfair to me because my credit score has suffered from this invalid account, that Equifax could not get the company to respond to their request for validation, but then try to sweep it under the rug.
Consumer complaint received 2020-07-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DBA XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA USDAFSA XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2021-12-02
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. (FL)

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. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (TX)

XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX XXXX and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. 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.
Consumer complaint received 2022-11-20
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (KS)

I am a victim of identity theft and XXXX XXXX  unlawfully pulled my credit report, unlawfully opened fraudulent account in my name even though they sent a letter stating the had NOT opened the account all despite the fact I have credit freezes on my credit report. I want the inquiry on my credit removed and the fraudulent bank account closed. Identity theft report attached.
Consumer complaint received 2022-11-20
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. (KS)

I am a victim of identity theft and XXXX XXXX  unlawfully pulled my credit report, unlawfully opened fraudulent account in my name even though they sent a letter stating the had NOT opened the account all despite the fact I have credit freezes on my credit report. I want the inquiry on my credit removed and the fraudulent bank account closed. Identity theft report attached.
Consumer complaint received 2021-12-02
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: Navient Solutions, LLC. (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with NAVIENT. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report for the month of XX/XX/XXXX and 120 days late payments for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ;
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2018-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Fidelity National Information Services, Inc. (FNIS) (OK)

On XX/XX/XXXX I wrote a check to XXXX XXXX for the amount of {$24.00} It was converted to an ACH. I had at the time in my account {$24.00} I thought at the time I had XXXX but I was wrong. There was a debit to my account I was not aware of until I received the notice of the returned check in my email.for {$14.00} I do not have overdraft on this account, ( and the check would not have cleared any way but it is important to note this as an oversight on my part and not a blatant move to de fraud a merchant ) the check was sent back, when I saw what had happened I called XXXX to find out what I needed to do, they told me I would have to contact XXXX, I called XXXX on XX/XX/XXXX at XXXX XXXX  Cenrtral time and the agent told me after searching for several minutes that she found the check and asked me if i wanted to pay it today I agreed she said it would be {$49.00} I agreed to pay it when she put the card number in the system she said the check was currently being sent back through and I could not pay it over the phone she then stated I would still need to pay the XXXX return check fee though. I argued and hung up today XX/XX/XXXX they have attempted to debit my account for XXXX on behalf of XXXX stores but I did not have that much in my account. 
I am asking if they can continue to attempt to debit my account without my authorization, and If I must pay a return check fee for a check that cleared upon re deposit?
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

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 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (CA)

US Bank put a hard inquiry to my account without my consent or knowledge. Instead they pretended to offer me a credit increase and 'asked ' me a few simple questions about my household income without informing me that this would put a hard inquiry on my credit report.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have sent out certified mail to XXXX and I also disputed multiple times online through XXXX to get a fraudulent closed account of my credit report by Capital One Bank I have sent in a police report a ftc and a fraud affidavit report showing that I have been a victim of identity fraud I have Frozen all three of my credit bureau accounts and placed a security freeze. XXXX and XXXX has removed the fraudulent account but XXXX is giving me a very hard time and the runaround Capital One Bank also The fraudulent account and debt that's on my credit report has a total of {$440.00} it was opened XX/XX/2019 and it was closed XX/XX/2019 I have contacted them multiple times to remove this account because it's not accurate and it shouldn't be there if I have the information to verify that my identity has been stolen it should be removed and it's giving me hard financial hardship to obtain loans Etc I don't know the specific dates i have to dig up receipts in my email thank you