davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 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 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 XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Security National Financial Corp (TX)

I'm writing to have two late payments that were reported to the credit bureaus removed from my credit report. The two late payments of over 30 days occurred in XX/XX/XXXX and XX/XX/XXXX. 

I've had on time payment history since I bought my home in XXXX of XXXX, and when I was notified of the payments for these two dates not processing I immediately paid the full balance and have made on time payments ever since. I'm requesting these be removed from my credit report.
Consumer complaint received 2022-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

I have made numerous contacts with Credit Bureau Systems ( CBS ) regarding inaccurate medical debt being reported on my credit profile. The account balance was the financial responsibility of my secondary insurance company, XXXX XXXX XXXX. 
The client of CBS, XXXX XXXX XXXX, had all Coordination of Benefits information at the time of the service and billed numerous other visits to both insurance providers in the same time period. CBS states they will not contact their client for proof of timely filing and claim submission. When disputed, they report this information as verified and accurate to XXXX because " their client says that is the balance due ''. I have made numerous attempts to coordinate communication between CBS and the responsible secondary insurance provider. 
The provider agreement between XXXX and XXXX XXXX XXXX " The Provider also acknowledges and agrees that at no time shall Enrollees be responsible for any payments to the Provider with the exception of Enrollee expenses and/or non-covered services '' The balance is either the responsibility of XXXX XXXX for failing to meet timely filing guidelines, or of XXXX XXXX XXXX if the claim was filed but payment was not made. 
Failure of Credit Bureau Systems and XXXX to conduct a thorough investigation into this matter, and to continue reporting inaccurate information is an infringement of rights under the FCRA.
Consumer complaint received 2022-06-07
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. (NC)

Unauthorized inquiries on my report from identity theft XXXX XXXX  XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I used the snap deposit with my bank BMO. I deposited a check from my employer " XXXX XXXX XXXX, XXXX ''. The check amount is {$2400.00}. After BMO stated my check was accepted, now they are freezing my account and stating the check is fraudulant. I was handed this check personally by the account manager of XXXX XXXX XXXX. Our our department of Security Dispatchers recently transitioned to a new company called XXXX XXXX XXXX, so this check from XXXX XXXX is considered the final check from the company which inclused worked hours, overtime hours worked, and unused vacation time. I have spoken to several people within BMO and now they have resorted to hanging up on me. I also want to share that I will be filing a lawsuit with small claims against the bank as well. They have no right to freeze my assests when regarding a company they and I are very familiar with.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (UT)

XXXX XXXX while searching for XXXX airline ticket at checkout it offered no annual fee, $ XXXX {$300.00} = {$70.00} ticket, after {$2000.00} spent receiving XXXX miles, and after applying online it says instead of approval it will look further into it. I received card approval next day via email, and card XXXX XXXX. I was surprised to see a charge {$99.00} annual fee right away XX/XX/XXXX. I was also offered XXXX miles instead after XXXX  dollars spending, also nowhere in writing does it mention the {$300.00} credit for ticket purchase. I called their representative who said she never seen {$99.00} charge right away before and was surprised but was powerless to change it. I asked to close the card and was told I am responsible for {$99.00} payment before I can close it for a service I never used. I am filing a complaint for unethical bait and switch practice of Barclay bank XXXX XXXX XXXX.
Consumer complaint received 2022-06-08
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. (TN)

In accordance with the Fair Credit Reporting act XXXX and XXXX Account # XXXX and also XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX 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 2022-06-08
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. (NY)

XX/XX/22 XXXXXXXX XXXX XXXX i reported to experian that this account was showing inaccurated amounton my report causing negative impact on my score the account is closed it should be at a XXXX balance its showing XXXX dollar owed and its been updated monthly as late payment nothing never was updated and this account per nys law is pass three years old cease collection active on account
Consumer complaint received 2022-06-08
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. (PA)

I submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. ( e.g. XXXX is a private company owned by XXXX XXXX XXXX XXXX. ) XXXX, XXXX/TRANSUNION are not Bureau 's and are only agencies of the BUREAU. 

When I stated the account in question in last complaint I meant " EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX/TRANSUNION continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the " FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : XXXX XXXX XXXX # XXXX I humbly DEMAND that ALL AGENCIES aforementioned REMOVE all info pertaining to ALL ACCOUNTS connected to the " Authorized Agents Birth rights and Social Security number assigned to him listed above. OR REDEEM MY NOTES FOR GOLD & SILVER COINS... Please and thank You!
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Applied for capital one card through my work which was Walmart. Used the card one time for XXXX gifts. Later that month I tried to pay it and they said I didn't have an account with them and said I didn't owe anything. I called for the next two months, and they kept giving me the same answers. I never received a card. So, after a couple months go bye with still no help, I get a paper in the mail saying I owe a bunch of money and I have multiple missed payments. So, I call them about the statement I finally received, and they said there is nothing they can do to help with all the late fee charges even though I have called each month to try and pay them. They said for them to be able to help I have to give them my, Social Security card, bank info, birth certificate, and address. I said I didn't feel comfortable sending all that and asked for another way to resolve this because I just want my credit fixed and to pay the money I owe with no late fees. They give me different answers every time I call and say they can't do anything without all that info. So, until I send all of that information I DONT feel comfortable sending they will not let me pay my bill. I just want to pay what I owe, and they are not letting me and racking up late fees that are not my fault.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Consolidated Information Services Solutions, LLC (HI)

My name is XXXX XXXX, born XX/XX/1975, with mailing address of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

Someone seems to have created an account on your site, frauding as me, and has changed my age from 46 to 58 online, and destroyed my credit. 

I have sent credtified letters, and called many times. Your team does NOT help. They are nice, but repeat same double talk. 

I dont know who created the account, with what email, but they have ruined my life
Consumer complaint received 2024-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CO)

I received an email from Citi Strata Premier atXX/XX/XXXXon XX/XX/year> stating " your new card will arrive soon ''. To my knowledge, I've never done business with Citi and can confirm that I did not request a credit card from them. When I saw the email today aroundXX/XX/XXXX I called the customer service number in the email and went through the process to cancel the account using the automated service. I received an email today around XXXXXX/XX/XXXXfrom Citi stating that my account has been closed.
Consumer complaint received 2024-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

On XX/XX/year> Citibank XXXX XXXX Credit Card Charged me XXXX & XXXX for membership fees. On or about XX/XX/year> I called Citibank to close my account and ask for a full refund of membership benefits from XXXX which they did not provide and they refused to credit back those fees. By federal law is illegal to charge for service ( benefits ) that are not provided/rendered. I kindly ask for your help in this matter. Thanks
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

Hello i am trying to remove a fraud alert from my credit report through Experian. They placed the alert on my credit report without my knowledge or consent. I have also asked them to remove it over the phone which they assured me would be removed in XXXX hours. I also submitted a written request as that was the initial prompt over the phone. Can you please assist me with removing this alert from my credit report please and thank you.
Consumer complaint received 2022-06-08
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. (SC)

Good Afternoon, XXXX, EQUIFAX, AND XXXX have not properly conducted an investigation regarding a negative account on my personal credit report. 
On XXXX XXXX i certified mailed off a letter ( in which i still have a copy of ) requesting documentary proofs ( the hard copies ) and evidence of the alleged debt being claimed against me. I received a response but unfortunately still have not received any hard copy proof like i originally requested and stated if unable to provide proof, please remove the account completely and immediately. 
I appreciate your time in this matter and i'm able to provide any and all information needed to resolve this issue correctly.
Consumer complaint received 2022-06-08
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. (SC)

Good Afternoon, XXXX, XXXX, AND TRANSUNION have not properly conducted an investigation regarding a negative account on my personal credit report. 
On XXXX XXXX i certified mailed off a letter ( in which i still have a copy of ) requesting documentary proofs ( the hard copies ) and evidence of the alleged debt being claimed against me. I received a response but unfortunately still have not received any hard copy proof like i originally requested and stated if unable to provide proof, please remove the account completely and immediately. 
I appreciate your time in this matter and i'm able to provide any and all information needed to resolve this issue correctly.
Consumer complaint received 2022-06-08
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX These accounts has violated my rights! Account # XXXX, Account # XXXX, Account # XXXX, and Account # XXXX!! 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy. 

15 U.S.C 1681Section 604 A. states that a consumer reporting agency can not furnish a account without my written permission.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

According to consumer law, FCRA 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ( A ) must provide accurate information and yall job to prohibit information with actual knowledge of errors and ( B ) keep reporting information after notice and confirmation of errors. IT MUST BE DELETED According to consumer law, FCRA 15 U.S. Code 1681i ( 5 ) Procedure in case of disputed accuracy. If a credit report has inaccurate, incomplete, or unverifiable information then it must be removed from my credit report. This is a federal unethical practice which can lead to a litigation according to 15 US Code S 1681n Civil Liability for willful noncompliance. {$1000.00} per violation, you know the law. 
Company : XXXX Account # XXXX Year:2017 Violation 1 Date of last payment does not match, which is correct?

Violation 2 Last reported does not match, which is correct?

Violation 3 Date last active, does not match, which is correct? 

XXXX  a trusted source for all 3 credit bureaus will verify the inaccurate findings. 

I am confused! 
After notifying XXXX and XXXX of this, they deleted the account due to the inaccuracies.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

I have been attempting to remove a freeze from my credit history placed by Equifax. 
I have spoke with the on several occasions over the past two weeks and done everything they have asked ; they still will not remove the freeze. 
I dont live near them so I cant go in person, the last person I spoke with disconnected me. 
We lost a potential new home because to this issue, We are thinking a taking legal action against them. 
Do you think you can help??
Consumer complaint received 2024-09-09
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. (PA)

I was completely caught off guard when I noticed some wrong accounts showing up on my credit report tonight. Ive always kept an eye on my report, and this time I was horrified to see discrepancies I didnt expect at all. I even refreshed the browser just to see if it was some kind of technical glitch, but unfortunately, the mistakes stayed. Im requesting that the documents Ive provided are reviewed carefully, so I can stop worrying about this once and for all.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

After going over monthly credit report review and maintenance I noticed a couple accounts that were opened without my knowledge or consent which may have been a result of an information data breach, I have tried reaching out to Experian to solve this issue but they were not able to assist me properly through the web. The Accounts that were opened without my consent were two " XXXX '' loan account with the account numbers ( XXXX ) & ( XXXX ).
Consumer complaint received 2022-12-01
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XX/XX/2021 I visited XXXX XXXX to inquire about purchasing a vehicle. The financial officer was given consent to find a suitable auto loan company to finance the vehicle I chose. I agreed to have my loan serviced by XXXX XXXX. Afterwards, I asked the financial advisor to discontinue the loan search. Unfortunately, without my consent XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX made hard inquiries against my credit in XX/XX/2021, which is 3 months after I had my loan with XXXX XXXXI have sent letters to each of the above mentioned loan providers. I have asked for the signed letter where I allegedly gave them authorization to pull my credit in XX/XX/2021. All of them have refused to provide me such a letter. In addition I contacted Experian, XXXX, and XXXX. All three of these credit reporting agencies have refused to remove the hard inquiries after I made phone calls and submitted written requests to remove the hard inquiries.
Consumer complaint received 2022-05-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Nissan Infiniti is reporting my returned lease as a Termination on my Credit report. The dealership Solicited early trade in and they would give me a outstanding deal on the new lease I transfered into. They are also reporting a monthly payment on my credit report that we didn't agree on. 

Account number : XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

XXXX data breech frad victim and agencies and companies illegally reporting negative information Negative information from fraud needs to be removed : Never late, fraud XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Condition : Paid ID fraud USAA SAVINGS BANK XXXX XXXX XXXX Account XXXX : XXXX XXXX Condition : Derogatory Derogatory Balance : {$3700.00} {$3700.00} Type : Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff unkown USAA SB XXXX XXXX XXXX Account # : XXXX Condition : Derogatory Balance : {$2100.00} Type : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : XX/XX/XXXX Responsibility : Individual