davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}
Consumer complaint received 2022-06-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

XXXX bank sold my loan to Citizens Bank. XXXX failed to change my address and transfer my accounts and direct deposits to Citizens bank. 
Citizens failed to communicate the problem with me and payments where made on time on XXXX, but Citizens is lacking of technology to catch that on file and fraudulently send a report about late payments inwhich XXXX had them. Payments were made on time and still they didn't reported them as pay in my credit history. I want the Bank to removed those late fee payment entering so my history goes back to 100 %
Consumer complaint received 2023-10-06
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

1. My Citizen Bank account was a legacy XXXX accounts sold to Citizen Bank.

2. Around early XXXXXXXX XXXX, I realize there was an overdraft/outstanding balance ( less than XXXX XXXXXXXX ) in my Citizen Bank Checking Account. 
3. On XX/XX/XXXX, I sent in total of {$5000.00} to the checking account that had an overdraft/outstanding balance, with an aim to settle all balances. 
4. On XX/XX/XXXX, Citizen Bank sent me a check with an amount of {$4700.00} ( original {$5000.00}, net of overdraft ). I have no clue why I received such check.

5. When I logged into the website dashboard, all account balances are shown zero which made me think that all my balances with Citizens are now cleared.

6. However, my credit report continued to be report with late payment thereafter and my credit score continued to drop.

7. Finally, after speaking to more than 5 different representatives. There was another outstanding balance from " Overdraft Line of Credit ''. Apparently, the bank did not take the cash from me back in XXXX to settle that balance - before sending me a check for the remaining balance in the account ; in turn, the bank continues to report that as a late payment items. The bank took {$220.00} from my {$5000.00} cash balance to settle a bank overdraft balance. 
8. The bank failure to use the cash from the customer ( XX/XX/2022 ) to fully settle all the outstanding balances related to the checking account is not the customer fault. The bank staff did not review all the outstanding balance of the customer before closing out the checking account and remitting the check of to the customer account.

9. With the aim and action to settle the full outstanding balance ( sending in {$5000.00} ) to the bank from the customer, the bank should not report the customer 's outstanding balance as " late payment '' after they remitted the check to the customer. It is bank 's own error for not applying the cash to settle up the outstanding balance.

10. The bank should correct the customer credit report due to it is bank operational error. Bank staff did not review the account correctly before remitting the remaining balance.

11. Please see all the check copies. 1 ) Wires sent to Citizen bank with an aim to settle all outstanding balances ; 2 ) Check received from Citizen Bank.
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-09-19
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$35000.00}
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2022-09-19
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been waiting for investigation updates or results since XX/XX/2021. It has been more than 30 days and nothing yet. There is inaccurate information reported on my credit and I have tried on several occasions last year to fix these errors with no luck. Now they aren't even responding to me. Please help!
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2022-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp. (IL)

On XX/XX/XXXX UNITED AUTO CREDIT CORPORATION received E.F.T. to setoff & discharge alleged debt for XXXX XXXX XXXX XXXX vehicle. Pursuant to 12 CFR 1026.13 - Billing error resolution. On XX/XX/XXXX, I was scheduled to close on an auto loan transaction with the business entity, UNITED AUTO CREDIT CORPORATION at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. My payment was accepted and successfully added to the ledger/bookkeeping and the account was paid-in full. As of XX/XX/XXXX, the Trustees, UNITED AUTO CREDIT CORPORATION, reopened account and reapplied another alleged debt, and refused to return payment " untouched '' that was sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX Affidavit of Fact and Conditional Acceptance was also sent all secured parties involved in this " cash transaction '' .The Trustees have continued and failed to perform their duties as Trustees of the XXXXXXXX XXXX XXXX for XXXX XXXX XXXX. A certificate of live birth ( certificate of title ) is a bond that evidences title held by the XXXX XXXX XXXX ( XXXX ). The issuer has a legal title ; you have an equitable title up until you partner up to share an equitable title with the United States. XXXX creates the XXXX XXXX XXXX which is surety for the Vessel. The Vessel is the body and evidenced on the application by length, weight, and footprints. A body manifested into the sea of commerce. The beneficiary is supposed to be Me, Myself, and I. But the XXXX XXXX XXXX ( XXXX ) is at XXXX XXXX XXXXXXXX XXXX XXXX XXXX and operates both the public and the private side. Under XXXX XXXX XXXX Laws 18 U.S.C. 1964 as corporations may have established a pattern of racketeering activity by using mail to collect an unlawful debt. If proven there is a conspiracy to deprive of property without due process is various constitutional violations under 18 U.S.C.A. 241. Knowledge and neglect to prevent a United States Constitutional wrong. 31 U.S.C. 5118 ( d ) 2 None can ask for payment in a specific coin. 31 U.S.C. 3123 There is no money, so no one can demand payment... the United States will discharge debt dollar for dollar. XXXX : XXXX, XXXX Conditional Acceptance of your Offer of Refusal of Payment-
Consumer complaint received 2022-09-19
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Dear Credit Bureau My name is XXXX XXXX XXXX XX/XX/XXXX Social Security Number XXXX. I pulled my credit report on XX/XX/XXXX. 

I reside at XXXX XXXX XXXX XXXX XXXX XXXX 

I noticed some accounts that I didnt authorize or approve which total in over XXXX of debt. 

Please remove the unauthorized account from my file : XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX : {$8200.00} XXXX XXXX XXXX : {$9900.00} Please send me an updated copy of my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I recently challenged the validity of XXXX, XXXX account that is being reported on my most recent credit report. Upon this challenge, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Equifax, the account was verified. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting information used to verify this account in writing. If such documents can not be produced, please delete the account listed above from my credit report immediately. 

I have personally contacted XXXX, XXXX many times over a XXXX-year period and have yet to receive any supporting documents.
Consumer complaint received 2022-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (TN)

On XXXX, 2022 NATIONWIDE RECOVERY SYSTEMS opened a collection. I noticed this while checking my credit due to a recent identity fraud incident. 
Account number : XXXX Amount : {$1100.00} I mailed a certified letter in XX/XX/2022, requesting seeking validation of debt to the company, I also requested that there be a response within 30 days. I never received a letter about the debt prior and still haven't heard from the company. 
They are violating my rights of the FCRA as a consumer. 
I have never signed any written document agreeing to owe this debt to the collector. I do not know who they are and they have not written consent from my end. 
They have not verified that I owe this debt to the alleged company. 
Please have these removed from all credit bureaus. 


XXXX XXXX
Consumer complaint received 2022-09-19
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)

After careful review of my most recent credit report it has come to my attention that XXXX XXXX Account # XXXX amount {$1300.00}, XXXX amount {$1900.00} has violated my consumer rights. 

Based on the Fair Credit Reporting Act XXXX  XXXX my rights have been violated as a consumer. 

Under LAWS : 15 US CODE 1681 ( 4 ) 15 US CODE 1681 ( B ) I HAVE ATTACHED WITHIN THIS COMPLAINT a copy of my recent credit report, ID and FTC report, and a copy of the cease and desist letter. 

I have submitted complaints several times with both the debt collection agency as well as the consumer reporting agencies. I have discussed the inaccurate information on the report several times of the course of three months and also explained I have never held a contract or communication with XXXX XXXX all attempts have been ignored. I have also attached cease and decist letters and requested assistance about the violations that are being committed.
Consumer complaint received 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by ChexSystems. I submitted a complaint to ChexSystems regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, ChexSystems is legally obligated to respond within XXXX  days of submission. However, it has now been XXXX days since my complaint was filed, and I have not received any response from ChexSystems. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that ChexSystems address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-06-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

Received presentment from SANTANDER CONSUMER USA in regards to an alleged debt XX/XX/2022. Payment was tendered on XX/XX/2022. XXXX XXXX, doing business as chief executive officer acknowledged notice of payment on XX/XX/2022. I have not received full credit of account. XXXX XXXX, doing business as chief executive officer SANTANDER CONSUMER USA is now using force and coercion per credit reporting agencies and also using threat to commit grand theft auto on a settled debt.
Consumer complaint received 2022-06-26
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. These are fraudulent unauthorized inquiries on my report. Please remove or send proof in writing within 30 days.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I FOUND OUT I WAS A VICTIM OF IDENTITY THEFT AND I CONSTANTLY TRIED TO REPORT IT TO THE CLAIMS DEPT AND I WAS TREATED UNFAIRLY AS IF WHAT I REPORTED WAS FALSE I WAS ALSO TOLD THAT MY CASE WAS INVESTIGATED AND IT WAS NOT I DID FIND OUT THAT MY INFORMATION HAS BEEN USED IN ONE OTHER STATE AS WELL AS HERE IN MICHIGAN. JUST LIKE I TRIED TO TELL YOU BEFORE.
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Wed, XXXX XXXX XXXX  Charged {$670.00}. I was supposed to receive a treatment I paid for and did not receive it, I was overcharged and I did not authorize this charge. I have disputed it with Capital one and provided evidence but they have not properly examined my issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am in pain and have done this procedure before this is not the proper outcome. It came to my attention that Capital One leaked my personal number with the company and they have sent me spam messages and compromised my number. The fraudulent company now calls me multiple times a day from both my business and personal number to harass me. I want them to fix the damages and reverse the charges or I will have to take the next step and escalate the case.