davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-05-08
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. (CO)

XXXX XXXX XXXX and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my XXXX XXXX and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-09-12
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)

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX Dept Of XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
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 — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I XXXX XXXX am filing a complaint on XX/XX/XXXX for disclosing my information to multiple third parties such as Chex systems and XXXX XXXX who has put me and my wife on a strict checking account not allowing us to deposit anything from a mobile app or ATM, having very limited transfer abilities basically making me feel humiliated and embarrassed of the situation. They are in violation of : 15 US code 1681a # 2 A1 15 US code 1681a # 4 XXXXXXXX XXXX  and XXXXXXXX XXXX and chexsystems is in violation of the Gramm Leech Bliley Act- they did not give me any opportunity to opt out from any information being disclosed, they also disclosed information without my consent to I have submitted a report from chexsystems with all the information. This situation has caused me much damage financially, not allowing me to open a bank account so i could acquire a vehicle loan for me and my family.not able to open up a account to cosign for my XXXX son. 

Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from earning warning services, Chex system, XXXX. My social is XXXX date of birth XX/XX/XXXX Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX  XXXX CLOSURE DATE XX/XX/XXXX XXXXXXXX XXXX XXXX CLOSURE DATE XX/XX/XXXX
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: EQUIFAX, INC. (AR)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) section states : no customer 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 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 2020-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (UT)

I am being contacted by XXXX XXXX who is a debt collector. They are saying that I owe a certain debt. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX   is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below.
Consumer complaint received 2022-09-12
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. (MN)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 
Here are the list of items that needs attention in my credit report : XXXX XXXX XXXX  XXXX  XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$10.00} Medical XXXX Balance : {$75.00} Medical XXXX Balance : {$21.00} Medical XXXX Balance : {$80.00} Medical XXXX Balance : {$210.00} Medical XXXX Balance : {$31.00} Medical XXXX Balance : {$310.00} Medical XXXX Balance : {$28.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2020-07-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report:XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , XXXX  XXXX XXXX , XXXX  XXXX, XXXX  , XXXX  , XXXX XXXX XXXX , XXXX XXXX  , U S DEPT OF ED/XXXX , XXXX XXXX  , XXXX XXXX XXXX Inquiries : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Loqbox US Inc (GA)

Hello, I have recently opened a loqbox.com credit builder accoun, and I have made two payments already. The payments I made have not been reported to the credit bureaus yet. It still shows I have yet to make a payment, which isnt accurate representation of my true credit worthiness. I have gotten denied while applying for new credit as it still shows I owe the full balance on the secured loan, and that is false. The reason or being denied was " you still owe 100 % utilization on an existing loan amount '' and " not enough payments made on an existing loan '' which is false. Please make an update to the credit bureaus to reflect both of my payments and the new loan amount ASAP. Thank you for your assistance in this matter. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

Equifax, with my membership, provides me with pre-approved credit card offers to consider applying to. In XXXX of XXXX, they sent me a " pre approved '' offer for a XXXX card through XXXX XXXX XXXX. I applied, was approved for the credit card pending providing my bank account information. My e-mail message for this announcement was inadvertently deleted and a few months later, XXXX sent me another reminder to provide them with this information with a message that said " reach out to us again to re-apply '' as I had passed the 30 day timeframe to respond. Per advertising messages sent to me, from Experian, regarding this pre-approved offer, I applied a second time. The response from that application was " can not verify your identify '' I submitted the same information, my info had not changed yet they could not confirm my identify. A few months later, Experian again sent me another XXXX card advertisement saying this card was a match for me. I applied a third time and again, got the " can't verify your identity '' message. 

This resulted in XXXX XXXX XXXX XXXX hard inquiries on my credit report. The first in XX/XX/XXXX, second in XX/XX/XXXX, and the third in XX/XX/XXXX. 

Experian says " not our problem '' however, based upon Experian 's algorithm and advertising to me specifically for my XXXX XXXX, that is why I applied in the first place. They told me I was pre-approved, continued to push out information to me as a consumer indicating I should " try again '' and the result was three, hard inquiries on my credit report and no approved application due to " can't verify your identity '' Experian sends misleading promotional advertising to consumers leading them to believe they are " pre-approved '' when they may not be. They continue to encourage " trying again '' when based upon what XXXX XXXX said was " too many attempts '' a denial of their card. 

I want these three hard hits to my credit report removed immediately.
Consumer complaint received 2022-09-12
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. (MN)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 
Here are the list of items that needs attention in my credit report : XXXX XXXX MXXXX  XXXX  XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$10.00} Medical XXXX Balance : {$75.00} Medical XXXX Balance : {$21.00} Medical XXXX Balance : {$80.00} Medical XXXX Balance : {$210.00} Medical XXXX Balance : {$31.00} Medical XXXX Balance : {$310.00} Medical XXXX Balance : {$28.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-04-10
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. (FL)

In accordance with the Fair Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX XXXX USC 1681 section 602a States I have the right to privacy.

15 USC 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an accurate 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 other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2021-07-27
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: Experian Information Solutions Inc. (LA)

Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MA)

CFPB, this is my third complaint to you regarding Citi 's unfair practice towards its customer. The reasons I keep writing these complaints are : ( 1 ) I have not received a satisfactory answer and resolution from Citi, and ( 2 ) I strongly believe that this is an unfair and deceptive practice/policy of Citi that others might be victims of ( I have read similar complaints in XXXX  and CFPB ). 

Please try to put yourself in my shoes and tell me if this happens to you, it does not cause frustration and anger because you know it's a policy that victimizes the customer. 

Please read my previous complaints for details, but in a nutshell my family savings was locked on XX/XX/2020 under the excuse of " being reviewed for fraud '' and " being reviewed for closure ''. No one in the Fraud Department or Executive Response Unit ( ERU ) was able to confirm why because it is being reviewed by the " back office '' of which no one even at Citi is able to contact. They told me to wait 30-60 days for an explanation, then another 30-60 days for the account to be closed. So under this ridiculous policy, a customer can be locked out of their own money for a total of 120 days. 

It was only after multiple complaints to CFPB and XXXX  they finally released the funds. That is 63 days after many frustrating calls, emails, and complaints. Hours have been lost. Money have been lost ( I had to take a loan with transaction fee because I could not access my money ). Time have been lost. 

And the explanation Citi provided on why they close my account? Tell me if this is a satisfactory explanation : " Citibank maintains the right to close an account " ... at any time with or wihtout cause. '' We may try to notify you in advance should this be necessary, but we are not  obliged to do so. '' So it's a non-explanation explanation. So they threw their customer on the curbside because of what exactly? So Citi is saying to me : " We don't want you as a customer for reasons that we will not share with you, but we have no issue keeping your money during the long process, because we can make more money out of it for ourselves! '' Did they address the loan that I had to take? No. Did they address the lost time and potential interest? No. Not even an apology, just a cold letter with unsatisfactory explanation. 

Do they really expect me to accept this unfair treatment just because it is part of their " policy '' and " customer manual ''?