davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is a fraudulent account that was furnished to my consumer report and file for TRANSUNION LLC this month. However, it states that this fraudulent account was opened on XX/XX/2021. I pulled my consumer report on XX/XX/2021 and it does not reflect this fraudulent account on my consumer report so why is TRANSUNION LLC lying about furnishing it in XX/XX/2021. I have attached letter to TRANSUNION LLC, FTC report, drivers license, and proof of address. I do not understand why TRANSUNION LLC continues to furnish inaccurate information that they know defames my character. It is stressful and causing XXXX  because I do not know what they will inaccurately furnish next. Its almost like they are purposely furnishing things in my name to keep me from being able to have credit extended to me.
Consumer complaint received 2020-12-10
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: Screening Reports Inc. (MA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, SCREENING REPORTS, INC add a hard inquiry on my credit report per XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX  add a hard inquiries on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 at XXXX XXXX  I called Equifax and spoke to Agent XXXX, XXXX XXXX who informed me that my dispute was not updated in their system and could have been shredded but he could not provide me with the details of Equifax 's process when receiving dispute letters. In addition, he confirmed the address I sent the documents were correct as well as the documents provided to identify my identity, cover letter and details of my dispute. I requested to speak to a supervisor and Agent XXXX kept me on a two hour silent hold without any updates on if the supervisor would get on the line. He then disconnected the telephone.
Consumer complaint received 2021-06-04
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: Experian Information Solutions Inc. (NC)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2020-12-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

I have written Credit Collections Services and requested validation from them. I do not know who they are or why they are on my credit! It is my right to request the same information being furnished to the credit bureaus! I demand answers! HELP ME!
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is being reported on my Experian, XXXX, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I am tired of complaining about these same issues with this bureau. They repeatedly keep leaving the same inaccurate info on my report pretending that it's correct and some how I'm too stupid to understand anything. The stupidity is all within this bureau not in my home! See attached with comments that don't make any sense to me at all!
Consumer complaint received 2021-06-04
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. (NC)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (NV)

I have a major problem with the credit bureaus. First my data was breached in an XX/XX/XXXXdata breach and then someone used my info to get cars, credit cards, student loans, loans, medical care, and many other things in my name. I have filed a police report with XXXX XXXX XXXX and also and identity theft report with the FTC. I also filed disputes with all three credit bureaus and still they have done NOTHING and are trying to hold me liable for stuff I never personally received or authorized myself. There was even names, addresses, and other personal info that is fraudulent on my report as well. I have disputed some of this stuff multiple times and got NOWHERE.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The following accounts do not belong to me, therefore Im demanding that these accounts be removed from my credit files.

1. Credit Factor Accounts ( XXXX XXXX ) 2. Credit Factor Accounts ( XXXX XXXX 3. XXXX {$1000.00}
Consumer complaint received 2022-08-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent letters out on XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX, Experian. But still no response from Bureaus nor anything by mail showing verification of accounts. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions. 
please provide me with the accuracy of my accounts as this unlawful and hindering my report or I will sue the following bureaus.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Walwick, Inc (WA)

Merchants Credit Association again closed my complaint Case # XXXX/ XXXX without resolving it. I have talked to them many times earlier and they are not willing to help. I had uploaded documents which clearly shows that I received a bill from Merchants Credit Association stating there is a due of {$200.00} on account XXXX and I have made payment of {$200.00} to Merchants Credit Association already. This is false reporting by Merchants Credit Association. I have never request to apply that amount to any other account. My payment of {$200.00} should be applied to account # XXXX. They are still charging me interest on the paid account number XXXX which is inappropriate. I am attaching documents again which show due amount on account number XXXX and my payment amount. This should make it clear.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One continues to send UNSOLICITED credit card offers to my house for a person named XXXX XXXX. This person has not lived at this address in over 7 years. Capital One sends on average of 4-5 offers PER WEEK. I have consistently asked them to STOP SENDING these offers to this address. Yet they continue to do so, and I am tired of it. We are NOT interested in any Capital One products, we currently DO NOT have any Capital One products, and we do NOT PLAN on obtaining any Capital One products.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I recently called Equifax to temporarily unlock my credit file to turn power on with XXXX XXXX. I provided all my information and was verified. I started my service with XXXX energy in XXXX of 2020. When I called back regarding another matter the representative told me that the information that I provided her did not verify my identity. I know that whenever anyone does a credit check with a creditor it automatically updates you name, address and provided information in their system. I am using a public computer so I don't want to provide my social security number. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I made the call to duke energy, I believe, on XXXX XXXX, 2020. I believe someone has changed my information in the system.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XX/XX/2020 I made 3 reservations for 5 hotel rooms for a family wedding in XXXX, NY. The rooms were paid in full on my credit card with the understanding a full refund was available if cancelled within 21 days of the event ( XX/XX/2020 scheduled wedding ). 
the wedding was cancelled due to covid and I notified XXXX and the hotel directly to cancel the reservation on XXXX XXXX. The hotel kept giving me excuses why I hadn't received my refunds so I pursued a dispute with my credit card company ( Capital One ). They processed the credits to my account but then reversed 4 of the 5 credits saying the hotel had processed refunds. The hotel only processed 3 refunds not 4. They erroneously referenced the wrong ARN number on their response to Capital One. I again disputed the 4th refund and provided full information to Capital One. They sent me a letter asking for additional information on XX/XX/2020. I replied that the requested information had already been uploaded to them. They have closed out the dispute without a refund and told me to pursue to refund with the hotel. I pursued again with hotel and XXXX and they said no refund because I am pursuing it with the credit card company. I have exhausted every avenue and I would appreciate help in recovering my {$160.00} erroneous charge
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NJ)

I just called to activate my new XXXX XXXX credit card from XXXX XXXX and the representative told me on the phone that my account was closed and a letter will be sent in the mail. This has never happened before and I am completely embarrassed to have been treated this way.
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

I lived in XXXX XXXX XXXX XXXX  from XX/XX/XXXX - XX/XX/XXXX. My son was diagnosed with severe XXXX and put on a XXXX  and XXXX  for the entire time while living in XXXX XXXX XXXX. There was mold and construction dust in the Ac unit that was causing his illness. We notified the maintenance of the apartment complex who simply changed the filter of the Ac unit, but the mold and construction dust remained a problem. We decided to take action for our sons health and gave a 60 day notice that we would be leaving due to unlivable conditions in the apartment. As soon as we moved, my sons severe XXXX and XXXX  issues went away immediately. We have submitted several letters to the company directly about this matter and they pay no concern to the issue and are charging us for the last months rent money. They neglected to keep a healthy living environment and for that my son was on harmful XXXX  for almost one year. I have medical bills and prescription/ medical records to prove this. The charges they are requesting are unlawful and need to be removed from mine and my husbands credit report.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

I had checking accounts at both XXXX  and Wells Fargo that were charged off due to overdrafts caused by unauthorized debits. This occurred towards the end of 2019. I notified both banks of the unauthorized debits. Instead of stopping the unauthorized debits and investigating/providing provisional credit as required by Regulation E, both banks charged me hundreds of dollars in overdraft fees in addition to the unauthorized debits, charged off my checking accounts, and submitted negative information to a credit reporting agency. I received no Regulation E disclosures regarding my disputes from either bank, and the negative information reported is preventing me from opening bank accounts with other financial institutions. I had a similar thing occur at XXXX XXXX  ( I'd like to clarify that XXXX XXXX  is NOT part of this complaint ), but instead of charging me fees along with the unauthorized debits and charging off my account, XXXX XXXX  handled the situation correctly by refunding all unauthorized debits and any related NSF fees. My account remains open and in good standing. I don't understand how XXXX and Wells Fargo can get away with doing the opposite. They've harmed me financially and reputationally. This needs to be fixed.
Consumer complaint received 2020-12-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2020 at XXXX XXXX  Delivered to Agent for Final Delivery XXXX, PA XXXX i contacted credit reporting agency about a fraud on my report. agency did not follow protocol as needed to remove fraudulent account
Consumer complaint received 2020-12-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

on XXXX XXXX, 2020 at XXXX XXXX  Delivered to Agent for Final Delivery XXXX, PA XXXX i contacted credit reporting agency about a fraud on my report. agency did not follow protocol as needed to remove fraudulent account
Consumer complaint received 2023-03-26
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. (MI)

After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. There are inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. The account is for XXXX XXXX account number XXXX. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of my credit report.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (AL)

Why is self lender reporting a closed account on my report that has been handled. Not only showing the account as open when it is not they are also reporting a incorrect balance. If the loan has been paid off since XX/XX/21 and closed
Consumer complaint received 2021-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX Bank of America transferred {$1300.00} out of my account without permission. They claim this was to cover a vehicle that was totaled back in XXXX. I had gap insurance, so no balance should have been remaining. I called on XX/XX/XXXX and was told a manger would call me back that day because Bank Of America always sends out notices before they offset an account. I called again on XXXX and was told the same thin about a manager returning my call. I received a call today, XXXX from a manager and was informed that they typically offer a settlement or good faith payments towards balances like this, and they have in their notes that I asked them to not call me so they weren't able to offer those things to me. I informed him that that is a lie, as I have never asked Bank of America to not call me. I asked him to tell me where in the notes it is stating that I asked for them to not call me, and he said he would have to research it. 

Bank Of America has never sent me any correspondences offering me a settlement, good faith payments, or informing me about his alleged balance. Instead, they took money I had allocated towards bills with their unauthorized transaction. 

I asked the manager if I could pay a settlement, and he said no since they already had the money. Bank of America is an unethical financial institution that could care less about their customers.
Consumer complaint received 2017-12-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A. (GA)

I have a student loan with Citibank whom I can can not speak to about any my questions, concerns, or complaints.They are being serviced through XXXX XXXX, XXXX and they basically can only collect payments. Months ago, I tried to contact Citibank and XXXX to have my loan payments lowered and/or postponed and I received no help. On XX/XX/17 at XXXX XXXX, I called to make my monthly payment so that I would n't receive a late payment reported to the credit bureau and I was informed that XXXX reported the late payment at XXXX XXXX. Now my credit score has plummeted and they will not give a curiosity removal or reversal even  through I made the payment the same day as the reporting. I had no idea that they report to them at XXXX XXXX or I would have call on my lunch hour at work to make the payment.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I requested Transunion to delete the following account and inquiries based on 605B and I sent a copy of an identity theft report, police report, and letter personal statement about the follow inquires and someone utilizing my sociial security number to pull my ccredit score/ credit report. Police reports report ID, social securty card and health insurance card and credit cards were stolen. I mailed these items in XX/XX/XXXX and have no letter acknowledging they have deleted the items. 

I sent letter, 605B, Police report, FTC ID theft report, copy of NEW Drivers lIcense, Light bill, The follow accounts and inquires request to be deleted based of FCRA 605 B are : 1. XXXX XXXX XXXX XXXX account number : XXXX XXXX. XXXXXXXX XXXX account number : XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX