davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have sent two payments to Bank of America certified mail in XXXX. It is now XXXX and Bank of America has yet to apply my payments to my account or return my payment. On XX/XX/2022 Bank of America closed my account and kept my payment without notifying me. This puts this financial institution in dishonor and holds serious grounds for civil and criminal liability.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # 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 has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2016-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I recently found out that apparently I have either become a victim or identity theft or my file has merged with someone else or both. I have come to realize multiple concerns with regard to my report with Transunion. First off, my file shows multiple names that are not mine nor that close to mine. here are some of the variances ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX to which none are mine. I have also found that the majority of accounts, collections and inquiries that are reporting with Transunion are related to multiple addresses that I have never lived, for example XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX, XXXX, XXXX just to name a few. 

Over the past couple of weeks I have called a total of four times, tried to dispute over the phone and online to no avail. I have also tried a total of XXXX times to upload my ID and bank statement for verification purposes and even faxed on 3 different occasions this past week also to no avail. I keep getting told that they never receive my documentation which makes it impossible to dispute erroneous information without anyone being able to verify my identity. 

At this juncture, I have quite a number of concerns ranging from personal contact information, tradelines, collections and inquiries that are in fact not mine yet are currently reporting under my si=ocial security number and date of birth. Additionally, I have a security freeze on my credit report ( unbenounced to me ) that also increases my inability to view, discuss and request changes to be made to my file. To date, I have had absolutely no traction with anyone in the Fraud or " Special Handeling '' departments that are willing to help me. I have already begun the process with the other reporting entities with some success. Where as I have yet to even be allowed to begin with this company.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I disputed the collection account from XXXX XXXXXXXX XXXX but on XX/XX/2022 the agency replied account verified without removing the account. Base on literature I read this account should not be reporting on my credit file because it creates, ( 1 ) an adverse situation regarding my credit profile and to me trying to obtain new credit, ( 2 ) credit bureaus are not to put anything on your credit report without written instruction, and ( 4 ) collection accounts are not to be put on credit reports, therefore they are violating my right to privacy under pursuant to the Fair Credit Reporting Act 15 U.S.C. 1681 Section 602 ( A ), 15 U.S.C. 1681 604 ( 2 ),! 5 U.S.C. 1681c ( a ) ( 4 ).
Consumer complaint received 2022-07-17
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. (GA)

I disputed the collection account from The XXXX XXXX but on XX/XX/2022 the agency replied account verified without removing the account. Base on literature I read this account should not be reporting on my credit file because it creates, ( 1 ) an adverse situation regarding my credit profile and to me trying to obtain new credit, ( 2 ) credit bureaus are not to put anything on your credit report without written instruction, and ( 4 ) collection accounts are not to be put on credit reports, therefore they are violating my right to privacy under pursuant to the Fair Credit Reporting Act 15 U.S.C. 1681 Section 602 ( A ), 15 U.S.C. 1681 604 ( 2 ),! 5 U.S.C. 1681c ( a ) ( 4 ).
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. ()

I have been trying to resolve unauthorized use on my account which occurred in 2018 XXXX with Chase Bank which resulted in my funds been stolen although they have resolved some of the disputes and paid out the claim I am trying to resolve the balance of the claim but cant do so as I cant get access to my closing bank statement. I was told that once the first claim was paid I could proceed with the next one, the issue is I don't have access to a statement to continue.
Consumer complaint received 2018-05-30
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. (IL)

On XX/XX/2018 I contacted this credit bureau to have inquiries removed that were not mine. There are a list of inquiries most of which are duplicated on my report. Please instruct the bureaus to remove these fraudulent inquiries as soon as possible.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

On XXXX/XXXX/XX/XX/XXXX & XX/XX/XXXX XXXX ( XXXX XXXX XXXX made an inquiry of my credit file with Transunion without my concent
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2020-05-28
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. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX, DEPT of ED/XXXX acct # XXXX, has violated my rights. 

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 a account without my written instructions.
Consumer complaint received 2021-11-04
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. (IL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (UT)

o whom it may concern, The reason of my dispute is that I do not feel like my credit should be penalized because I was never notified that my payment had gone up from XXXX to XXXX  for the XXXX payment.. After I talk to someone I sent XXXX more and they put it into the escrow instead of putting towards the actual payment. I spoke to someone else on the phone and paid the XXXX with my bank account and then on XX/XX/XXXX I spoke with someone and she told me that my payment was 1947 and I only had sent XXXX so I paid her over the phone the XXXX I already sent an extra XXXX on the XXXX to cover the XXXX. I will attach proof of payment to see what I am talking about. Also the way I found out is because I checked my credit report and that is how I noticed that it was affecting my score.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me, The following alleged account is listed as a collection with PAST DUE balance of XXXX under account name of XXXX XXXX XXXX, this is a violation the FCRA and XXXX XXXX compliance reporting standards.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I purchase a refrigerator online from Home Depot. On XX/XX/XXXX around XXXX I received a call from Home Depot asking if I was making charges for {$4800.00} in XXXX XXXX, TX. I said no. He said he was close my account and decline the charges. He said I would be sent new cards. On XX/XX/XXXX I looked at my account online and saw that the account had not been closed. Fraud charge was still on. I called again. The customer rep. said she would close the account and remove charges. I asked her where the charges were made. She told me XXXX XXXX, TX. It was XXXX XXXX XXXX from XXXX, TX who made the charge. Today, I look at my account again. I was issued new cards which are in the mail, but that {$4800.00} charge is still on my account. I called again. Ended up talking to XXXX in the fraud dept. Nothing they can do for 60-90 days. No investigation was started till I called on Sat and now it takes 7-9 days before they start. I am applying for a mortgage and can not have this huge mistake on my credit report which could affect the outcome of a mortgage.
Consumer complaint received 2024-02-13
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am unable to view my XXXX Report or Scores. I have submitted a complaint a few months ago with regards to this same issue. Please help. Why can't I see my XXXX report or scores. 

There are also incorrect address reportings on XXXX and Transunion : XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Incorrect Employer Information - XXXX XXXX XXXX XXXX XXXX XXXX have an account reporting that is not my account : XXXX XXXX XXXX ; This may be reporting on my credit file in error, please help me get this removed. I am in the process of trying to purchase a home and the fact that I can't see my XXXX and these other scores is holding me up. 

I don't know what else to do. XXXX is not showing my report and this has been going on for more than a year.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

My driving record has 2 accidents listed because the claim made one was incorrect but im going to get car insurance again and im being penalized for both accidents even though one of the claims wasn't paid out because it was incorrect. I tried solving with the insurance specialist and i keep getting a hotline number for Lexus Nexus and no response. so i call insurance back and they tell me to call this really good company that will fix it. it ends up being lexus nexus again. no option to talk to someone in customer service. does this company actually fix things? been over a week and no response calling multiple times a day NEVER able to get someone on the line, no option to hold for someone, just says thank you someone will get back to you and ends the pre-recorded call.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion please be advised that I sent a dispute letter to you challenging incorrect information on my credit report on XX/XX/2024. It is my understanding of the law that you are required to complete your investigation within thirty days. I will attach my dispute letter that is dated, and time stamped. I do believe your company is in violation of the FCRA for false and inaccurate reporting of the following accounts : XXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. DEPTEDXXXX Account Number : XXXX Remove this account from my credit report due to it being over 7 years old. XXXX XXXX XXXX Account Number : XXXX Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely. XXXX Account Number : XXXX You are reporting inaccurate information such as disparities in the High credit limit last reported and date last active. This is a violation of the FCRA.
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TX)

My client requested our services to help them with credit reporting errors and debt collections. My client had submitted a fax through our office for a collection activity from Convergent Outsourcing. This letter was sent on XX/XX/2021. Please see fax confirmation and letter attached. 

As of today XX/XX/2021 my client still has not received a response as allowed under the FCRA. Under the FDCPA regulations the collection company Convergent Outsourcing is in violation for failure to reply to my clients lawful request. 

This incorrect reporting is causing damage to my clients credit on all three credit bureaus. 

on XX/XX/2021 my client called Convergent Outsourcing at XXXX. Customer service representative claimed they could not find his information when giving his last four numbers of his social security number, last name, phone number. Than the representative just hung up on him once requesting why no response since sending his letter on XX/XX/2021.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After reviewing my credit report again, I can still see the inaccurate late payment accounts that need reporting and correction through your company. The Bureau violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Consumer complaint received 2023-05-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDICO. INC (ND)

I received a phone call from credit collection Bureau, they stated I owed XXXX I'm debt, most of which is more than six years old. When I asked for a debt validation letter after explaining that this is the 3rd credit collection company to contact me about this specific debt one being from XXXX the birth of my child which was covered under XXXX they refused, I spoke with the supervisor who also refused.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (SC)

I would like to have my investment application to have access to my account. Specifically XXXX. They have the option of " XXXX XXXX '' investment. It takes your purchases and rounds them up to the nearest dollar and invests that difference. I cant do this due to PNCs security.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was an victim of XXXX XXXX! i never had an apartment and I never opened an mobile phone account i been on my mother plan since i was in XXXX XXXX  I XXXX XXXX of 2022 i never had an apartment i am still livining with my mom!
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2022-07-17
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. (FL)

Consumer Finance, Per the attached letter from XXXX  XXXX, and the prior complaint number XXXX, Equifax is to remove all the late pays from my XXXX  XXXX account ending in # XXXX. Please have this handled immediately as its damaging my credit and affecting me from obtaining a home loan. Thank you.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

the following accounts appear on my credit report, without any authorization, they are not mine, they are hurting me Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MA)

Re : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MA XXXX Phone XXXX On Friday, XXXX XXXX I got a text from Chime asking if I had changed my Password. I call Chime and informed them that I had not and that all the transactions that had just taken place were not mine. 

The hacker had gained total control over my acct. changing all my information. Thus blocking me out of my own acct. 

Chime requested I submit proof of my identity which I have over 12 times as of today. 

The only communication chime has had with me is me calling them and requesting they address this issue and replace the XXXX taken from my account. My email go unanswered. 


I have submitted all the information they have requested but as of today I am still locked out of my acct and have no money. 

Please help me get my money back. 


Regards, XXXX XXXX
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear XXXX XXXX XXXX I am writing to bring to your attention a concerning issue regarding XXXX reporting practices on my credit report. It has come to my attention that they have unlawfully reported outdated information, which is negatively impacting my credit profile. I demand the immediate removal of this erroneous item from my credit report. As a responsible consumer, I believe it is essential to ensure the accuracy and integrity of credit reporting, and such inaccuracies should not be tolerated. I kindly request your assistance in resolving this matter promptly. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX