davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-30
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. (FL)

I have several hard inquiries on my credit report that I do not recognize : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX ( yes a second time )
Consumer complaint received 2018-09-30
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. (FL)

Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge.

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same.

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to th

e Federal Law and State Law. Therefore I request that all hard inquiries be removed.
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

My XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX credit card # : XXXX, and XXXX XXXX credit card # : XXXX is lost/stolen. All of the transactions on the accounts are all fraudulent and unauthorized. I have never used my XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX credit card.
Consumer complaint received 2020-04-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a dispute to remove inaccurate information and the credit bureau still has not removed this information nor have they sent any proof to verify that this information is accurate.
Consumer complaint received 2018-09-30
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. (FL)

I have several hard inquiries on my credit report that I do not recognize : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX ( yes a second time )
Consumer complaint received 2018-09-30
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)

As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from XXXX, Experian and XXXX, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.
Consumer complaint received 2021-04-06
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. (FL)

Because XXXX XXXX has provided me list of services provided by XXXX XXXX XXXX XXXX without a medical release of information, my privacy has been violated. At no time did XXXX XXXX provide medical release of information signed by me to submit my medical information to TransUnion and XXXX. At no time did XXXX XXXX provide copy of their contract demonstrating their business relationship with the covered entity. The sale of protected health information without individual authorization is strictly prohibited. Both TransUnion and XXXX  should be held liable. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 
Because a HIPAA-covered entity ( XXXX ) and its business associate XXXX XXXX violated my health information privacy rights, I have filed and attached a complaint with the U.S. Department of Health & Human Services - Office for Civil Rights ( OCR ). OCR can investigate complaints against covered entities ( health plans, health care clearinghouses, or health care providers that conduct certain transactions electronically ) and their business associates. I have also filed a complaint with the Florida Attorney General 's Office.
Consumer complaint received 2018-09-30
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. (NY)

As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from XXXX XXXX and Transuinion, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Ive downloaded my XXXX XXXX XXXX and find inaccuracy in your reporting. You are obligated by the law to report accurate information in my credit reports. Because you are not reporting it's accurate I am asking to remove this totally incorrect account. I attached part of all three reports so you can find your mistakes and delete an account. There are mistakes because I found a letter from the bank with explanations about this account.
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I have called and mailed letters to get this account verified. I have in XX/XX/2019 I sent them a letter to send me documentation that proofs this account does belong to me and they don't respond. The last letter was on XX/XX/2019 hopefully they respond this will be the 5th letter. I have also called and they give me the round around and they hang up.
Consumer complaint received 2018-09-30
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. (NY)

As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from Equifax, XXXX and XXXX, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.
Consumer complaint received 2020-11-04
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. (MN)

After Years & Months of confusion and stress. I finally have submitted a problem to consumer finance.gov about my ongoing issues with TransUnion. After Pulling all my credit reports and doing my own research I contacted TransUnion Customer Service and told them I believe I am a victim of an inquiry error on Tuesday XX/XX/XXXX. After talking with the operator she very quickly came up with the conclusion I was not apart of an inquiry error and that I should freeze my credit and call the banks of the inquiries I have listed on my report. I have 16 Inquiries on my TransUnion Report that I 100 % Did not Authorize Or Give Consent To these Banks/Creditors to pull my credit report at all and the 16 Inquiries I will leave all below with dates the inquires were made. 



TRANSUNION UNAUTHORIZED INQUIRIES CURRENTLY ON MY REPORT 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 XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX I proceeded to Talk with TransUnion Customer Service and even told them I contacted All the above banks and most of them told me the applications were flagged as fraudulent and I would have to file a dispute with Transunion. Unfortunately Since TransUnion is refusing to pick up my phone calls and even when they do the agent has a hard time explaining to me why they wont Remove the Negative/Incorrect Falsified inquires on my credit report which leads me to believe I am 100 % being treated unfair.
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Every time I try to access my account online using Eqifax it ask me these questions that they say are on my consumer report and I FAIL EVERYTIME!! I KNOW WHO I'VE HAD A LOAN WITH. NOBODY!! I KNOW WHEN I GOT A MORTGAGE LOAN. NEVER!! I KNOW WHEN I GOT A RETAIL CREDIT CARD. NEVER!! SOMEBODY NEEDS TO FIX MY CONSUMER REPORT BECAUSE AFTER A MONTH OF ANSWERING NONE OF THE ABOVE TO ALL THE QUESTIONS AND THEY TELLING ME IT'S INCORRECT IS REALLY TWERKING MY MELON!!!
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY (MA)

In XX/XX/2021, I filed for bankruptcy but specifically did NOT include open accounts TD/Target or XXXX  because they did not have balances. Recently, I checked my credit reports and see that both of the accounts are Closed and have derogatory comments stating that they were included in the bankruptcy. This is not accurate and has had a very negative effect on my credit scores. I have attached a list that I received from my lawyer of the accounts that were included in the bankruptcy. As you will see, TD/Target and XXXXXXXX are not listed.
Consumer complaint received 2019-08-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (FL)

I've contacted Homebridge Financial Services regarding my inability to make my regular monthly payments due to being laid off on XX/XX/2019. I have had to contact them repeatedly to ascertain what documents are still needed for completion of my package. 
I recently gained employment and will be starting a job onXX/XX/19. That information has been provided to the lender. 
I have not been given the option of getting a loan forbearance. This would be helpful while I am waiting to obtain my next 2 paychecks. 
I have contacted Homebridge to determine why they have not offered me a forbearance. 
At this point I have been unsuccessful in obtaining a forbearance or any relief from the lender as each time I call I am advised they need yet more documents. 
I feel the lender is deliberately making the process overly difficult to prevent me from obtaining relief on this issue. 
I am a XXXX veteran and will also be making my complaint known to the Dept of Veteran 's affairs. 
I need help resolving this issue.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Hello, I am making this claim against chase because I personally deposited a check that the insurance company sent me on XX/XX/XXXX. They told me that the funds were going to be available on XX/XX/XXXX and it was not like that, they withheld the check. For the amount of {$5300.00} I am not sure exactly the amount but it was impossible to take the check or to cancel it I went directly to the bank without knowing it the check was not signed by First Acceptance insurance, but the one who received the check at the bank I change it without any problem. The 8 days passed that the funds would not be released until they contacted the XXXX XXXX company and they gave them authorization of all the telephone numbers they said that they did not give authorization when it was lies XXXX XXXX was willing to help me so that I could recover my vehicle. They told me a different story that every time I called that XXXX XXXXXXXX needed someone of theirs to go personally to authorize that check, that the number I provided was not from XXXX XXXXXXXX or that it was not authorized in the system I was so frustrated since my vehicle was in an auto body and paint repair shop that I called the insurance company to cancel the check or try to do something but it was impossible because they had already cashed the check in my account but it was withheld and my account was closed to this day I have problems, that's why I lost my job, the car was taken by the financier from the workshop because I had no way to pay the amount of the damage to the vehicle I don't have a copy of the check because I personally left it in the bank. This surprised even the people who work at chase because I told them that it was very strange why they didn't cancel the check or send it back. This is all because they kept the check using my funds without the ability to release the funds to me or return or give me the opportunity to get my funds back. 
I would ask you to please help me resolve this case since the amount of this payment arrangement is still owed to my account, my credit was damaged, there were many damages caused to me by this situation. now mimes I opened an account with chase with the hope that they will solve something for me and I deposited 2 insurance checks, XXXX for a XXXX dollars and the other for XXXX and they also retained the XXXX check I would like to please get help.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion decreased my credit score by 23 points without any explanation or any negative change that happened in my record. I called them several times and no one is able to explain why my score went down. I have checked the other two credit bureaus, XXXX and XXXX and they both report accurately and have similar score for my credit. I have tried to make claims on there website but, there isn't any appropriate option to chose from for this kind of situation. Please help. I work so hard to keep my score high and stay on top of my credit history, it is frustrating to have scores taking away from you and have no explanation for it. It is likely that their system has an issue since, they are the only one reporting differently among the other two bureaus, however, they are not willing to fix the situation either.
Consumer complaint received 2017-10-11
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. (GA)

Dating back to XXXX XXXX and maybe even earlier, I have requested that Experian remove a Bankruptcy that is showing on my credit report because it was not verified according to the new law. They wrote me back saying that they verified it and I responded by asking them to furnish me with a more detailed description of how and with whom it was verified ( third party vendor ). I was never furnished this information just received another letter stating that it was verified through a third party vendor. I inform them that this could n't have been possible because my I had placed security freezes and suppressed my credit files with all of the third party vendors with XXXX XXXX being the first XXXX. Experian still has not accurately verified this account nor have it furnished me the names and address or other information of the company who verified. Since they have not provided me with adequate proof of verification this item needs to be removed from my credit file. It is against the law for them to be reporting unverified and non-validated information. It is not ok for Experian to say it is verified and not provide proof to the consumer.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I requested that this company Equifax send the me verifiable proof required to post the account listed on my credit report, which they never did which means its unverified and should not be on my credit report. Despite my three written requests, the unverified item is still listed on my credit report in violation of Federal Law. I need to know Who verified these accounts? How did they verify them? Equifax still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during their re-investigation.
Consumer complaint received 2018-09-30
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)

Transunion, XXXX, and XXXX  are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with XXXX they confirmed that the SSN for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to Transunion. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate information.
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I have never filed bankruptcy and was out of the country for a period of time. I realized bankruptcy entries on my report and contacted Experian to verify and delete this entry. They refused and asked me to contact the court. I called them and they advised they did not send this data or verifying this information. I believe they are relying on third party information that is inaccurate. I asked them for a method of verification and they have refused. After multiple attempts, this is my last attempt before I pursue legal action in the courts for their continued willful non-compliance that has caused me harm FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states : " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Since they claim to have verified this with the courts ( the original source and where they need to verify ), I am requested this information within the timelines stated by the FCRA. 
I am attaching a copy of the courts response and their stance on credit reporting. I expect them to furnish the CFPB as well with this information so they do not disguise a letter as sending it to me directly. I want this documentation for the record in case of a legal action.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 XXXX a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (DC)

on XX/XX/XXXX. I resent my FTC ID Theft affidavit, with new information attached to Discover card, both to their Office of Consumer advocacy and their credit reporting department. I sent the package via certified mail to confirm they received it. 

To date, they have refused receipt of the package because the package with the new information requires them to not post ANY information on my credit report. Since they are refusing to take the package via mail, I have to issue this complaint so they can receive it via this platform. 

This is yet another example of Discover Card 's shady and purposefully negligent actions in dealing with their gross failure in security regarding my personal information - assigning a card to someone else.