davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! - An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. - An account that I had removed XXXXXXXX XXXX  XXXX was back in my report! - Total of 4 inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! I demand an explanation of the miss handling of my report immediately and my account to be corrected. I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX  XXXX I demand the account XXXXXXXX XXXX to be corrected as OWNER and NOT Authorized user. I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.
Consumer complaint received 2022-09-20
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. (MD)

XX/XX/2022 XXXX XXXX did a Unauthorized credit check that put a hard inquiry on my consumer account. 

I called and emailed them I was told that it would be removed but it's still showing on my report and needs to be deleted ASAP.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: STATE EMPLOYEES CREDIT UNION (NC)

On Thursday XXXXXXXX XXXX I went to the State Employees Credit Union and applied for a checking account and wanted to try for a mortage loan. I was told I couldn't apply for eithier one because of a charged off account for a car i purchased for {$3300.00} through them 20 years ago. I was told from another bank that the account should not be able to pull up after 7 years. I am now XXXX XXXX XXXX and want to buy a house and the best route for me is state employee. Thank u in advance.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TN)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-08
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. (GA)

XXXX. Subject : Complaint Against XXXX and Transunion for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX and Transunion for their refusal to update my personal information on my credit report. On XX/XX/year>, I submitted a personal information update letter to XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/year>, I received a response from XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX. 
I believe that XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, TransUnion has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights. 
I request that the CFPB investigate this matter and ensure that Experian updates my personal information as requested. Additionally, I seek confirmation that my credit report will reflect the accurate and updated information without further delays. 
Furthermore, I demand a deletion of all personally identifiable information from my consumer credit report with the exception of :
Consumer complaint received 2022-11-18
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: Upstart Holdings, Inc. (CA)

I request that XXXX companies XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX not to report to any Credit Reporting Agency 's Pursuant to 15 USC 1681 where I have the right to opt-out of reporting any payments, history or any account information.
Consumer complaint received 2024-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I was frustrated with a dispute related to a car repair where Citi sided with XXXX XXXX XXXX, while XXXX XXXX ruled in my favor. I had split the {$2300.00} payment. The mechanic addressed the leak but failed to fully reassemble everything properly. 

I requested that my Citi account be closed. Later, I called back to reopen it and was initially told I would need to reapply. When I called again, I was informed they could submit a request to reopen the account. 

On XX/XX/year>, I called and was told my request had been denied, and I would receive a letter with the details. I asked to speak with the appropriate department and was given the number XXXX, which turned out to be a XXXX offer line. I called back and requested to speak with a supervisor but was told there were none available. I also requested U.S.-based support, as past requests had been mishandled due to language barriers, but instead, I was repeatedly transferred to an IVR system XXXX 

This scenario repeated when I asked to speak to the complaint department. Finally, on my third or fourth attempt, I was connected to a supervisor who read the letter to me. The letter stated that my account could not be reopened due to a late payment listed on my credit report. I explained that those reports were erroneous. XXXX has since corrected the late mentions, and the XXXX XXXX car loan was fully paid off with the late payments removed. 

I simply requested that my Citi AAdvantage card account be reopened the same daya process I know is possible, as Ive had accounts reopened in the past. This situation felt mismanaged. Additionally, I found it frustrating to have to make multiple calls just to speak with someone in authority who could properly handle my complaint and escalate it to the correct team.
Consumer complaint received 2022-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

This bottom feeder business is attempting to collect an alleged debt that is well past the statute of limitations for both credit reporting and/or legal action. Upon receipt, the business should immediately cease and desist all activities for an alleged debt on XXXX account : XXXX.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. 

Account XXXX XXXX has violates my rights. 

15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one is in violation of VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. reporting inaccurate charge off dates on my account, this needs to be deleted from all 3 credit bureau for inaccuracy dates. Saying charge off is still active from XX/XX/year> and charge off was way before that. Also charging off my cards with out warning for both accounts
Consumer complaint received 2022-09-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Resolutions, LLC (CT)

Credit resolution LLC contacted me about a debt i do not owe in XXXX. I explained to them that this debt is not owed and was wrongfully charged and was in dispute with the merchant. Credit resolution still went ahead and report this collection on my report since XXXX and this has caused me great pain and suffering. Drop in my credit score and denial of credit. 


Account info Account name CREDIT RESOLUTIONS LLC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3600.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$3600.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX
Consumer complaint received 2021-06-16
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. (CA)

I have recently discovered that Transunion ( credit bureau ) has been inaccurately reporting unauthorized inquiries that I do not recognize. The information listed below are the inquiries that are reporting inaccurately on my consumer credit report : An inquiry from XXXX  XXXX ( automotive ) on XX/XX/XXXX, another inquiry from XXXX  XXXX XXXX XXXX on XX/XX/XXXX, and an inquiry form XXXX XXXX  on XX/XX/XXXX. I have requested for the bureaus and companies to remove the inquiries and no results have been furnished to me as the consumer.
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

XX/XX/2020 - I opened Checking and Savings accounts with Citibank. I transferred {$2000.00} to Checking account. 
XX/XX/2020 - Someone stole letters with a Citibank debit card and a pin code. 
XX/XX/2020 - Someone used the stolen debit card to make purchases in XXXX and XXXX in the amount of {$640.00}. 
XX/XX/2020 - I checked balance and found unauthorized transactions in my account. I locked the debit card immediately, called to Citibank and created a claim. 
XX/XX/2020 - XX/XX/2020 - During few months I tried to return my money from Citibank. It is second complaint about this issue. More details about my steps in the first complaint XXXX. 
XX/XX/2020 - I created first complaint in Consumer Financial Protection Bureau. 
XX/XX/2020 - I received a response from Citibank through CFPB that my claim for Checking account was reopened. First complaint was closed in that time. 
XX/XX/2020 - Citibank denied my claim for Checking account again in the third time. 

Additional details for investigation : - I had never received the debit card. I didn't authorize anyone to use my debit card. All transactions from the debit card were unauthorized. 
- Purchases happened XX/XX/2020 in XXXX XXXX, CA and XXXX, CA. I was in a trip in XXXX XXXX, CA from XX/XX/2020 to XX/XX/2020. You can check my Costco Anywhere Visa Card by Citi-XXXX which have transactions for the whole period of my trip as a prove. I attached the file with transactions. Also, I attached XXXX receipt for that time. I went to the trip together with my wife and my friends. They can be witnesses. So, I was physically out of town and I wasn't able to do that purchases. 
- I had never received letters with the debit card and pin code. Please check USPS tracking data when Citibank mails were delivered. I notified USPS Informed delivery service about missed mails for XX/XX/XXXX. Feel free to compare tracking data for Citibank letters with my missed letters. 
- My mailbox wasn't broken. I didn't share keys from mailbox with anyone. XXXX XXXX XXXX XXXX leasing office is aware of my problem and they changed the lock in my mailbox. 

Questions to Citibank : - My debit card has " Zero liability guarantees ''. I notified Citibank about fraud in few hours as soon as I found unauthorized transactions. In accordance with the law and my Citibank debit card agreement I should not be responsible for unauthorized transactions. I didn't authorize anyone to use my card. Should I provide any additional form to claim it? 
- Why debit card letter and pin code arrived at the same day. It is a big security flaw. Why should I pay for it? 

Note : Another claim for Citibank Savings account is still in progress. I sent " Signed Statement of Unauthorized Use Request '' form for Savings account XX/XX/2020 to Citibank.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed a collection account on my report because it didn't belong to me. I have received the validation of debt letter from the company and neither the name or address belong to me on the bill provided. Please remove this incorrect information from my credit report.
Consumer complaint received 2020-07-12
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)

XXXX XXXX XXXX XXXX, aka XXXX XXXX XXXX aka XXXX XXXX  refuses to comply with the terms ad conditions of the CARES Act and continues to report me as 30 or 60 days late, when I have never been late. I made an arrangement due to the negative financial impact of the CoronaVirus, XXXX XXXX, REFUSES to correct inaccurate information, I have NEVER been 30 days late, let alone 60 days late since my first loan with in XXXX. XXXX XXXX has provided a false statement to the CFPB and to me. XXXX XXXX stated in a response that they have not reported a delinquency on my account to the CRAs. Yet at one point XXXX  had me at 30 days late in XX/XX/XXXX, Experian had me 60 days late in XX/XX/XXXX and XXXX  had me at 30 days late in XX/XX/XXXX. After 5 disputes, 2 with Experian, 2 with XXXX  and 1 with XXXX, XXXX  shows me current never late, Experian shows me 30 days late and XXXX now shows me 60 days late, with no 30 day late before that. XXXX XXXX refuses to comply with the FCRA or the CARES Act and is deliberately and blatantly refusing to made the required corrections to my credit reporting.
Consumer complaint received 2022-09-21
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 FCRA.The account below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  # XXXX has violated my rights to privacy. 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.15. USC 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 of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( XXXX ) 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 2022-03-09
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: CITIBANK, N.A. (NJ)

There are fraudulent hard inquiries on my credit report that I did not authorize on my XXXX credit report. I reached out to the creditors and they refuse to do anything about it even though I've told them it's fraud. I also reached out to XXXX and they refuse to remove it as well, even though nobody can verify it. 

Hard Inquiries : CBNA - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX of XXXX - XX/XX/XXXX 2020
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is in violation of 7 federally protected consumer rights under 15 usc 1692 and 4 unauthorized uses of registered trademark
Consumer complaint received 2020-07-12
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. (CA)

XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this  unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Ca XXXX