davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-22
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 have found some negative accounts on my report that was not authorized by me and I would like them removed. This is an act of fraudulent activity and it is affecting my life! I have requested for these accounts to be removed and have not heard anything about this complaint, I hope my second attempt will relieve me from this act of injustice. I complained about two familiar fraudulent accounts and noticed they were removed and placed back on my credit which is illegal and wrong! I have attached my identity theft report number for your convenience the report number wasn't generated for some reason but it is attached to the report sheet that the system was able to generate for your review.
Consumer complaint received 2020-12-08
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. (FL)

am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize.
Consumer complaint received 2019-08-16
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. (NV)

In XXXX I XXXX XXXX got XXXX  and I did 2 years in XXXX XXXX XXXX XXXX. When i was XXXX XXXX XXXX I applied for housing and was denied due to fraudulent accounts on my credit. Please do your due diligence and verify this account. I am requesting verification that you must show me according to the FCRA that this is a valid debt of mine. I have never had XXXX XXXX in my name. I am requesting that your company verify with XXXX XXXX XXXX that I was XXXX in their facility at the time this account was opened and remove from my credit files asap!!!
Consumer complaint received 2019-08-16
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. (NV)

Back in 2014 I was robbed and beaten by 2 men. I was rushed to the hospital and it was determined my XXXX was XXXX. Dr. XXXX XXXX ( XXXX ) did the XXXX. While there I was advised of medicaid. And the next day I signed paper work for a Nevada Medicaid card. When I got my card the Dr. Office was notified the lady told me everything was good. 2 years later I found out it was reported on my credit. And sold to a collection agency 3rd party XXXX XXXX. I found out that the Dr. Office never filed my claimed with Nevada Medicaid and it was too late for them to file. This is not my fault because I was covered under Medicaid. The Dr. Office failed to file my claim within a timely filing period which was their mistake. Please remove immediately from my credit report.
Consumer complaint received 2019-11-16
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: Fidelity National Information Services, Inc. (FNIS) (KY)

Hello, My name is XXXX XXXX XXXX and I have been disputing with Chex Systems for multiple years now. I have tried to reach out and speak with them on the phone and all that happens Is that I receive a copy of the report they have on file. I am now XXXX XXXX XXXX and messed up as a young adult with checking accounts to where I had to file bankruptcy. I have a good career in customer service now and am in the middle of a chapter XXXX and filed a chapter XXXX when I was XXXX. I thought everything was cleared up since, I did file on the banks. A lot of time has passed now, many years but, chex systems is still reporting bad things about me when it comes to me getting a credible checking account. I can not go through a credit union or checking account. I have tried to go to multiple credit unions, and banks to where they always tell me chex systems is still showing a XXXX XXXX  under my maiden name XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX for XXXX for NSF. Account number ending in XXXX RTN XXXX under my social ending in XXXX. I did not live at this address since XXXX. I had a XXXX account that I paid in full while living in Kentucky and they advised me that I am settled. There is another account with XXXX XXXX RTN XXXX account number ending in XXXX NSF XXXX stating PAID IN FULL. I have tried to get accounts with XXXX XXXX XXXX XXXX XXXX, University of XXXX, and other banks with credit unions. Not a single one will give a checking account because they state that I need to have chex systems cleared. No one at Chex Systems will help me. I am trying to buy a home for my XXXX XXXX and fix my credit. Please, help me get Chex systems cleared in full. 

Thank-you, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2019-08-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Revenue Enterprises, LLC (WY)

The first one is for the year XXXX and the second one is for the year XXXX. I had insurance for both of these but im not sure if my insurance was filled correctly to cover these medical items. The XXXX items amount was {$1800.00} and the XXXX item the amount is {$2400.00}. I set up payment for both of these and i have not seen any of the amounts going down in the amount. I have talked to these people and they have told me that i have to pay the interest down first well that is not even going down on the amount either. I set this up so they would not garnish my paychecks i cant have the garnisment cause im barely making it now cause i had to buy myself another new used car so i can drive to work. They have filed a XXXX Judgement on both items. I feel that i should be getting most of these items paid off but they just keep staying at the same amount i owe and no improvement. I just want this to improve soon. Thanks
Consumer complaint received 2019-08-16
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. (NV)

In XXXX I XXXX XXXX got XXXX and I did 2 years in XXXX XXXX XXXX  XXXX. When i was XXXX XXXX XXXX I applied for housing and was denied due to fraudulent accounts on my credit. Please do your due diligence and verify this account. I am requesting verification that you must show me according to the FCRA that this is a valid debt of mine. I have never had XXXX XXXX in my name. I am requesting that your company verify with XXXX XXXX XXXX that I was XXXX in their facility at the time this account was opened and remove from my credit files asap!!!
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (GA)

I had fraud on my account at Citibank on this past Friday XXXX XX/XX/2022. I had a fraud alert placed on that checking account and opened a new checking account. This would allow Citibank to move funds from my old account to new bank account. I have called there today for 1 hour to get my monthly XXXX deposit and other pay transferred to my account and they hung the phone up on me. I havent been able to get any funds for 5 days now. I have been banking with Citibank for 16 years and not understanding why they are causing this big problem and have verified that this is me calling. It is only the XXXX representatives that are causing all of these problems every time I call this bank. 

I dont know if this is race related, but this is unacceptable. 

I need them to transfer my money to my new account so I can pay my bills and buy groceries.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NH)

TD Bank has effectively violated the Error Resolution Procedure set forth by the EFTA ( 12 CFR 1005.11 ( C ) ( 2 ) ) On XX/XX/2019 I entered my local TD branch to notify them of several transactions that seemed suspicious. I was ordering supplies from what I thought was a legitimate supplier, and their delivery date was 3 days from when the order was placed. It has been over 3 months, I have no received anything. I told the customer service representative that I did not recognize the billing descriptors, and that it could be possible fraud or phishing, she recommended the dispute be entered as " services or product not received '' So on XX/XX/XXXX, I was mailed a letter from TD Bank stating that I, the " consumer '' needed to provide more information as to what was ordered and the expected delivery date, and that provisional credit has been denied for the amount of {$3700.00}. The reason? " Claim amount is too high to provide provisional credit, and that I have to wait 60 days until TD Bank receives communication from the merchant in question as to the validity of the transactions, before any credit will be issued. 

Now, I am a self-employed XXXX  XXXX XXXX for several processors, and I know EXACTLY what happens when a customer fills out a Regulation E form and signs it, which I did at the time of dispute on the XXXX of XXXX. TD Bank either has debited the merchant and is unwilling to provide provisional credit because they are uneducated on the process they MUST follow, or they are unable to debit the merchant because the merchant account has been closed. If they had followed the correct procedure and submitted the charge back in a timely fashion they may have received the funds. 

Regardless they have violated my rights under the EFTA to a provisional credit within 10 business days, as there is no ceiling as to the amount being a restriction in providing provisional credit. I have had this account for over 2 years, and I have 5 business accounts with TD Bank, which I am seriously considering taking elsewhere if this is not rectified immediately. 

It is now XX/XX/XXXX, and I have called the merchant, AND TD Bank every other day - I have received conflicting responses from multiple managers and reps, all saying different things. One rep even told me he was going to get me the person 's number who could " expedite '' my claim, this was interesting, so I held the line. He came back and gave me the number to my local branch. Are you kidding me???
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

XXXX is improperly and illegally reporting a paid medical debt. This is in violation with the HIPPA privacy act and the FCRA. 

There is no balance due to XXXX XXXX XXXX. It has been fully paid. 

XXXX XXXX was told to turn the debt back to the original creditor, the hospital but they ignored that request.
Consumer complaint received 2023-05-16
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. (IL)

Equifax has been listing me as deceased on my credit report despite multiple phone calls and certified letters informing them that XXXX have mixed my deceased mothers accounts with mine. These accounts are not mine I have sent them proof of life including my current adress XXXX XXXX XXXX XXXX il XXXXeven my passport, social security card and my current utility bill but they have failed to remove this XXXX XXXX inaccurate account. I have attached a photo of this account from my most recent credit report XX/XX/2023, Confirmation # XXXX ) along with of the past certified letters which I will provide below sent XXXXDespite my requests and evidence to prove this is a mix file and I am not dead, Equifax has ignored me, continued to list me as dead and violated my FCRA rights. I am not dead please help
Consumer complaint received 2019-08-16
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. (NV)

In XXXX I XXXX XXXX got arrested and I did 2 years in XXXX XXXX XXXX XXXX. When i was released XX/XX/XXXX I applied for housing and was denied due to fraudulent accounts on my credit. Please do your due diligence and verify this account. I am requesting verification that you must show me according to the FCRA that this is a valid debt of mine. I have never had XXXX XXXX in my name. I am requesting that your company verify with XXXX XXXX XXXXl that I was XXXXXXXX in their facility at the time this account was opened and remove from my credit files asap!!!
Consumer complaint received 2019-08-09
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. (CA)

This student loan was for my daughter who requested a deferment because she graduated from college with her XXXX in XXXX  in XX/XX/XXXX. Moreover she was still in school in XX/XX/XXXX - shows 60 days late ... also XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX ... she was still in school ... In XX/XX/XXXXit shows 120 days late ... could you please correct this ... thank you in advance.
Consumer complaint received 2022-04-26
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. (MD)

I am very upset and stressed right now, I recently checked my credit report and there is an account that doesn't belong to me and it is residing in my credit for quite so long already. I sent letters to the respective bureau about it last XX/XX/2022 but haven't receive anything in response. I felt I was being ignored and taken advantage, so I checked everything in order for me to address my concern and according to FCRA 611 ( 15 U.S.C. 1681I ) ( A ) - the investigation is just for 30 days only and the extension is for more than 15 days additional only, beyond those it gives the reason to immediately remove those items from my credit file. IT WAS MORE THAN 45 DAYS HAVE PASSED AND NOTHING CAME TO MY MAIL, EMAIL AND EVEN PHONE. THIS IS RIDICULOUS. THIS HAS TO BE STOPED.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (FL)

On XXXX XXXX, 2017, my husband and I applied for a car loan. We were very surprised that XXXX XXXX, a previous lender with whom we have had an excellent payment record, denied our request for credit. After having accepted an auto loan with XXXX XXXX at a higher interest rate, we perused the letter of rejection from XXXX and realized that there was a large disparity between the major credit reporting companies and XXXX, XXXX. Their low credit score of XXXX compared to XXXX XXXX XXXXXXXX explained the higher interest rate. 

We attempted to contact XXXX XXXX XXXX but they have no online access and only a toll free number which promises to return your call. Once reached, they request hard copies of social security identification numbers and other identifying information. 

It appears that we are not alone as the internet is full of complaints from other consumers who believe that this organization is purposely lowering credit scores in an effort to justify higher interest rates. 

Judging from the complaints on the internet, it appears that the majority of complaints are related to new car loans. 

We seek your help in researching this organization as they reflect a three hundred point difference from XXXX XXXX and XXXX 

We are not familiar with this company and will not provide any identifying information to a totally unknown entity. 

Could this be a scam?
Consumer complaint received 2019-08-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2019 all 3 credit reporting agencies, XXXX XXXX, XXXX  XXXX, TransUion XXXX report to XXXX those credit scores when I pull FICO it show XXXX XXXX, transUnion XXXX, XXXX XXXX, I maybe denial an equity line of credit because of this misrepresentation
Consumer complaint received 2017-12-21
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)

Beginning XXXX/XXXX/XXXX, and subsequently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I mailed notarized and certified handwritten letters to the 3 Credit Bureaus. Requesting verifiable proof of the following accounts on my credit reports. Acct # XXXX, reported by XXXX XXXX, unverified late payment. Another Acct # XXXX, reported by XXXX XXXX, unverified late payment, and Acct # XXXX, reported by XXXX, unverified late payment. For 3 months now I have been disputing these items. However, they have failed to provide me with ANY physical documentation or verifiable proof that I requested under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Nor the method of verification as required under Section 611 ( a ) ( 7 ). Otherwise, anyone could electronically respond with a fraudulent account resulting in an inaccurate credit reporting. 

Experian and XXXX continues to violate the Fair Credit Reporting Act, failing to provide the verifiable proof I am requesting. Instead, they ask that I submit another dispute only to stall and delay for another 30 days to only reply that the inaccurate information was verified. XXXX however, will not even respond. I called XXXX and they informed me that they were responding through email with the results of their investigation. The problem with this is that I 've never given them an email or corresponded with them through email. So who knows where they are sending my personal information. Even after bringing this to their attention and asking that they only contact me through mail, they continue to communicate through emails that I am not even aware of. I 'm requesting XXXX Experian, and XXXX to promptly remove the inaccurate and derogatory information on my credit report under Section 611 ( a ) ( 5 ) of the FCRA since after almost 90 days, they have been unable to provide me any verifiable proof. 

For example, on my credit report, XXXX shows that I am current on all payments and one month later I am 90 days late? Yet, the credit bureaus have done nothing to help resolve these issues. Instead, they have been using third party electronic systems to send an automatic response that things like this are verified. 

Due to their neglect and unwillingness to resolve this matter, I have suffered financially by not being able to obtain credit, and has caused strain on my relationship with financial institutions and mental anguish. I am requesting a settlement of {$1000.00} for each of the accounts that each Bureau has reported deliberately and incorrectly and that they immediately removing and correcting all items within my credit report that they have not veried through physical verification and method of verification in accordance to the FCRA.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I opened a MasterCard with XXXX brand.  I’ve had this credit card since XX/XX/2019. They gave me a credit line of $XXXX.  I’ve been making payments timely and using the credit card.  Just this month, I found out, after I made a payment of XXXX XXXX XXXX on a minimum payment of XXXX XXXX XXXX XXXX XXXX, they lowered my credit line from $XXXX  to $XXXX, without my knowledge.  When I called to speak with their credit team, the customer service rep stated that I was not allowed to speak to anyone.  I wanted to know why.  The customer service rep stated it was because of my XXXX score.  My XXXX score is now being effected because they lowered my credit line, yet I’m still making high dollar payments.  You can see that I’ve been making 3 times the minimum payment, yet XXXX credit card lowered my credit line which is now causing my credit score too stay low as well.  I’m concerned that now that I’ve stopped using the credit card, they will close my account and force me to pay up front or destroy my credit that I’ve been working to increase. I’m filing this report to make them accountable.  If they didn’t want me to spend the money, why did they allow me access to $XXXX???  I’m extremely worried that they will come after me by ruining my credit and expecting me to pay upfront all at once.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

attached in this complaint are my I.d Docs for verification Went to apply for a credit union today ''XXXX/XXXX XXXX XXXX XXXX XX/XX/2019 but was told they could not grant me access due to a security freeze on my XXXX   report, I have never asked or requested a freeze so i was shocked to be told of these news. I called multiple times to fix this issue but to no avail, I simply asking to remove the freeze if its there and to be sent a letter indicating this has been fixed to have the ability to open a new bank account with zero issues.