davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. (VA)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-27
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)

I am writing to let you know that your company is reporting inaccurate credit information on my credit report. Accordingly, I request that the following information be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account ( date opened : XX/XX/2018 ) ending in account # XXXX, is being reported incorrectly. I have never had account with XXXX for solar panels. This was my fathers account that he opened in XXXX of XXXX. I have and always had nothing to do with this debt/ account. I was only XXXX XXXX XXXX when my father opened this account and had no job or ability to co-sign on this loan ( or need to sign on this loan ). The sales rep for solar panels took the unauthorized, unilateral, fraudulent and ( horrid ) liberty to add me as a co-signer to the account, even though I never provided my consent to sign this. Never has any paper work been explained to me. Since this happened, I have explained the situation to the solar panel company, and it subsequently fired the sales representative for fraudulently signing the document on my behalf. This was solely my fathers account, which has been personally discharged through XXXX  XXXX bankruptcy. The company told me that the inaccurate inclusion of this account on my credit reports would be fixed, however, and disappointingly, this account has remained on my credit report and is causing my credit score to suffer. Please delete this entire account as it is not mine, and also delete any inaccurate late notations, from my credit report. 
As I am sure you are aware, and as demonstrated above, furnishers are not a reliable source for information, therefore, please conduct your own investigation into my dispute. I thank you for your understanding this matter and I look forward to your favorable consideration.
Consumer complaint received 2023-03-27
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. (MD)

XX/XX/22 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating They do not report any bankruptcies to anybody So if thats the case, how did the credit bureau verify this bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section ( 3, E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit Bureau violated my given right under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (PA)

Lost job due to Covid and was told that would work with me on making payments. Made payments via phone monthly but was reported that I was not making monthly payments during this time and negatively impacted credit report and score. Payments would not process on time incurring numerous late fees and other charges. Incorrectly applied payments towards principle instead of interest payments causing more fees to accrue. Would make payments arrangements and the payments would never process causing more fees and negatively impacting credit report. Also after providing prof of insurance on property added insurance and charged me for insurance duplicately. Thus incurring more charges and fees that caused to fall further behind. All this also caused account credit line to be temporarily suspended. Finally caught up by going into branch and talking with a representative. However credit report and score have been damaged tremendously.
Consumer complaint received 2023-03-27
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: NAVY FEDERAL CREDIT UNION (VA)

Pursuant to 18 USC 8, I owe no debt, These companies ( Navy Federal CR Union, XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-01
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: AES/PHEAA (FL)

I disputed accounts on my credit reports that were not mine. And the credit bureaus will not accept my dispute. These are the accounts they will not remove : 1 ) XXXX XXXXXX/XX/XXXXXXXX XXXX {$300.00} Charge off accounts 2 ) XX/XX/XXXX{$300.00} charge off account 3 ) FED LOAN SERV {$33000.00} late payment account 4 ) XX/XX/XXXXXXXX XXXX XXXX {$520.00} charge - off account 5 ) XX/XX/XXXXXXXX XXXX {$260.00} charge-off account 6 ) XX/XX/XXXX {$910.00} collection account
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received a promotion mailer in XXXX for {$300.00} bonus payment after XXXX days with {$1000.00} deposit, and additional {$100.00} for new savings account. On XX/XX/XXXX, I opened both checking and savings accounts and received my first direct deposit of greater than {$1500.00} on XX/XX/XXXX well before the XXXXday deadline. According to the payment schedule, my bonus of {$400.00} should have been paid by end of XXXX. After not receiving the payment, I called the bank on XX/XX/XXXX to inquire about the payment. They asked for the code, which I gave over the phone. I was then transferred to a supervisor, who then made me repeat the code, and then proceeded to tell me that my account was not tied to the promo-code and therefore I would not be getting the bonus payment and there was nothing she could do. I asked how come, because I went to the weblink provided on the mailer and entered the code, prior to opening my accounts, and she said, maybe there was a glitch in the system. I then expressed, that was not really a suitable answer, because a glitch in their system was not my fault and I should still be paid the bonus, because I have the mailer in hand and the code. I asked if they could look into it further to see what happened, and she said no, this is where it ends, that is why you were transferred to me. I told her I felt like I had been scammed and would be filing a complaint, so the same thing does not happen to someone else. I would like to receive my bonus payment and an explanation of what happened in the first place. 

Thanks you.
Consumer complaint received 2023-03-27
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: CITIBANK, N.A. (GA)

Wayfair and CitiBank NA has filed false claims to XXXX on XX/XX/2023 stating my credit card was opened up due to identity theft and fraud. Citibank Security Fraud employees sent documents via US Mail to XXXX to collaborate their lies. XXXX opened an investigation against me # XXXX. This is Wayfair and CitiBank ongoing discriminatory and harassment against me because I was shopping at WayFair while being a XXXX woman. To this date my credit card accounts balance is incorrect. To this date I have false accusations against me by their XXXX employees ongoing discrimination against me because of my Race. Their employees has lied repeatedly, generated false account notes, open misleading fraud allegations against me all because I was shopping while XXXX. Today, CitiBank employee by the name of XXXX threatened me and demanded I supply him with my other credit cards that are managed by CitiBank. I only provided my Home Depot credit card information. 

I filed a lawsuit dispute against Wayfair for merchandise that I purchased that the company refused to provide. Wayfair provided the credits back to my credit card and I thought the matter was over with. Because the merchandise that was sent to my home was 2 beds that I never ordered was returned. I made a conference call with XXXX from Wayfair and XXXX from Citibank and on the call Wayfair Rep XXXX read all the credits she processed back to my credit card! I thought the matter was over. Unbeknown to me Employee from Citibank reported to XXXX that my credit card is a fraudulent card application and they closed my account! Citibank Security Fraud department then on XX/XX/XXXX call the Police and gave false information to the police stating, Her credit card is in collections and she made a threat! The Police responded to their false accusations and came to my home at approximately XXXX. The caller who made the call gave the Police the name as XXXX XXXX and a phone number that begins with XXXX area code. 
XXXX confirmed that a fraud investigation is currently opened against me. 

To date CitiBank and Wayfair discriminated against me because I shopped with Wayfair while being a XXXX woman. Their lies, false accusations is causing me tremendous stress and anxiety that due to their lies that the Police will come to my home and kill me just like what happened to XXXX XXXX and XXXX XXXX XXXX when Police killed them based on false information and calls from people telling lies! I need help! Citibank has lied repeatedly Wayfair has lied repeatedly! I want to be compensated for this ongoing harassment and discrimination because I am a XXXX woman!
Consumer complaint received 2020-06-22
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$4500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (NE)

Initial issue stems from use of my Best Buy CitiBank credit card. A transaction was made in-store and paid in full the following month of roughly {$320.00}. It was my understanding this account was paid in full. Evidently not. I received ZERO notifications indicating late or missed payments and somehow my bill was sent to collections in the amount of roughly {$650.00} after 9 missed payments. Again, with NO notifications. I called BestBuy and waited 45 minutes to talk with a rep who said she couldn't help me, so I asked for a supervisor. 5 minutes later she said I needed to call back because no supervisor was available. I call back and waited 52 minutes this time only to be told the same thing. Im unable to make a payment even if I tried and my online account has been deactivated. I have no way of clearing this debt, of which, I am contesting the amount owed and it's validity. 

I then contacted XXXX XXXX ( XXXX ) to see what information they had and spoke to a gentleman that sounded highly intoxicated, didn't identify himself as a debt collector and immediately asked for my full SSN. He wouldn't accept my full name, which seemed very strange and there was no way im giving my full SSN to someone that can not identify themselves, especially a company I don't know is even remotely valid. 

Please assist in finding details about this debt, who holds it and how to fully dispute the amount owed. My original transaction was only {$320.00} and I paid it in full at the time of purchase. How could my balance possibly be double the original purchase price regardless if payment was made or not?!
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XXXX XXXX XXXX have a complaint filed about bank of America stopping me from cash a check from their bank. The check was in my name issue from its own bank .As of XX/XX/2020 Now funds are being stolen from the internal bank system. Employees are refusing to log notes about active fraud taking place. Retaliation. Starting to see elements of unilateral arrangements and contracts. Accountant financial fraud. Misstatement are transparent.
Consumer complaint received 2020-06-22
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. (TX)

XXXX should not be reporting to Equifax a collection/chargeoff in the amount of {$970.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account belongs to XXXX XXXX XXXX. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2023-03-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am so displeased with the way my information was used by Portfolio Recovery Associates. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same. 
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX and XXXX, so at this point, you really should be protecting my privacy. This is detrimental to my emotional and psychological health and well-being, to the point that I had to have my pastor pray for me several times. 
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (IN)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX {$720.00}
Consumer complaint received 2023-03-27
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: WELLS FARGO & COMPANY (CT)

Wallet with SSN, My Sons SSN, IDs, Cards And More Was Used and Stolen Back In XX/XX/2016. Resolving Full Credit Report Prior To Applying For My XXXX XXXX. Please Call Me Urgently For More Information. 

Thank You Regards, XXXX XXXX XXXX - 15 U.S.C. 1681c-1 and 15 U.S.C. 1681c-2
Consumer complaint received 2023-03-27
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. (CA)

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX .... 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-03-27
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. (LA)

I'm filing a complaint against Transunion for reporting inaccurate information on my credit report. They reported that I have a late payment on XXXX XXXX XXXX in XXXX, XXXX when I have paid the account off on XX/XX/XXXX, This is my first step to taking this matter seriously because it seems to be getting ignored again and again.
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CT)

In XX/XX/XXXX I contacted and enrolled in a non-profit credit counseling company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ) They put together a repayment plan with all my credit cards ... all agreed except Comenity Bank XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX proposed and has been paying {$390.00} every month since XX/XX/XXXX but Comenity me to the credit bureaU AS PAST DUE AND DELINQUENT which adversely affected my credit score. 

In early XX/XX/XXXX I wrote to Comenity Bank and requested a reduction in my monthly payment They failed to respond and instead, have been calling me daily