davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-08
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. (WI)

In XX/XX/year> I was informed this credit card was opened fraudulently by someone. I contacted the credit bureaus to freeze my credit reports and also filed a police report. I tried to contact Citibank who owns the card and they would not help or say they don't have an account with me. Yet they sent a letter saying I was being sued for the amount due. I sent all my documentation to them including ftc affidavits, police report and letter asking for more information. I received nothing. I was later served papers for small claims court by their attorneys XXXX and XXXX and have been fighting this for months. No one will give me info on the name phone number email etc who opened this account. The attorneys said an investigation was done but have not given info on that to me. This is not my account I opened and want it removed and my name cleared.
Consumer complaint received 2023-12-06
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (GA)

Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX Office Hours : Monday through Thursday XXXX to XXXX XXXX, Friday XXXX to XXXX EDT, Saturday XXXX to XXXX EDT Our Account # : XXXX Creditor : VIEW AT XXXX Creditor 's Account # : XXXX XXXX telephoned, I explained I have a cancelled check for the move out fees they are attempting to collect. I was told no you dont. I asked for proof of debt, they said they were looking at the proof, I needed to pay it now or it would be placed on my credit bureau. I immediately disputed the debt and asked them to cease communication until I receive proof of debt, by mail. I insisted on only written correspondence. The TSI rep. hung up. I have since received numerous calls and hang ups from their virtual agent when I refused to hold for the next agent. I am now getting email correspondence that I have never consented too. I have contacted the landlord and confirmed I have no balance. I also have the specific canceled check. I am not willing to be bullied by this group of illiterate animals. In reviewing my options against this organization, I have discovered that they have violated my mini XXXX rights.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. I have never heard of nor done any business affiliation with them. I requested VALIDATION of the debt which was not provided. It is absurd that this company put something like this on my credit file. I found that to be odd because the credit bureau is to report nothing but accurate information about me. So how are they supplying information to the credit bureaus about me when they have not provided me with validation. 

I am requesting the following ; Show me how you calculated what you say I owe. 
Copies of signed documentation that show I agreed to pay what you say I owe. 
What bounds me to you? 
What kind of business dealing have I done with you? 

As a reference, please see the below accounts in question that must be REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX - Here is what the law states about investigations : 623. ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly : ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax is reporting a fraudulent account from XXXX XXXX. XXXX  and XXXX  investigated and found account to be fraud. Both bureaus removed account. Equifax is still reporting fraudulent information.
Consumer complaint received 2021-03-14
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)

I filed a complaint with CFPB case # XXXX. XXXX XXXX removed the bankruptcy from my consumer credit profile. Notification was sent out to Transunion and the CFPB that the bankruptcy has been removed on XX/XX/2021. Transunion has responded to consumer on XX/XX/2021 saying that the information has been verified as accurate and has refused to remove the damaging information from my consumer credit profile. I am enclosing documentation of the XXXX XXXX letter to the Consumer Financial Protection Bureau.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (WA)

I had XXXX XXXX account on my credit report that isnt belong to me I have tried to disputed it with the credit bureau and XXXX as well.its my information on it but I didnt open it, I work as fisherman in XXXX  and most of the time I have prepaid mobile phone if the check on my credit profile you will see that I always have new numbers and some hard inquiries and collections that doesnt belong to me. Out of year I only home for 3 months only. I keep asking my roommate if they take my information for anything I dont know about they keeps lies in my face please help.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Hello, I recently received a copy of my tri-merge credit report. I explained to the credit bureau that reporting late on my credit report is illegal per the fair credit reporting act. I clearly explained that they were in violation of the law under 15 USC 1681B permissible purpose of consumer report this is a {$1000.00} CFPB ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( A ) in accordance with the written instructions of the consumer ( individual ) ( me ) to whom it relates. ( Did I give you written instructions to furnish this account on my credit report? ) Furthermore, the Fair Credit reporting is USC1681 ( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term ( consumer report ) means any written, oral or other communication of any information by consumer reporting agency bearing on a consumer credit report. ( i ) report containing information solely as to transaction or experience between the consumer ( Individual ) and the spoken person ( Individual ) making the report.

As you can see per your law that it is illegal to report late. I did not give written instructions to furnish any information on my credit report. Furthermore FCRA As stated on a consumer credit report containing information solely as a transition or experience BETWEEN THE CONSUMER ( INDIVIDUAL ) AND THE PERSON MAKING THE REPORT. Please have them to remove all lates from XXXX XXXX ( XXXX ) and XXXX XXXX XXXX  XXXX ) from Experian, XXXX, and XXXX XXXX. I appreciate your assistance and upholding the law and the credit beura responsible for an accurate information being reported on a consumers credit report. 
Sincerely, XXXX XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (GA)

This company is reporting a balance to the credit Bureaus and I have never been in business with them. I haven't signed any agreement or contract with them. This is against the law and I'd like it removed.
Consumer complaint received 2020-08-11
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX {$540.00} XXXX   XXXX {$1200.00} XXXX XXXX {$24000.00}
Consumer complaint received 2022-09-17
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. (MO)

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., Medical XXXX Balance : {$660.00} ; XXXXXXXX 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
Consumer complaint received 2020-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Re : Loan # XXXX, property address XXXX XXXX XXXX, XXXX Texas XXXX. On XX/XX/20 the property was sold. On XX/XX/20 Escrow was paid in the sum of {$5000.00}, which includes {$1200.00} homeowners insurance. The due date for the insurance was XX/XX/20. XXXX XXXX never received the {$1200.00} payment. The payment was returned to Loancare.

I tried calling Loan Care on many occasions to get reimburse for the {$1200.00} and has been transferred from on representative to the next. I ended up talking to 6 different representatives, then was disconnected. I requested to talk to a supervisor and the  representative told that no supervisor was available and transferred me to the insurance department. The insurance department verified with the representative that the {$1200.00} was returned to the mortgage escrow. 

On XX/XX/20, after multiple transfers, I spoke with the insurance department and XXXX agent # XXXX, XXXX spoke with his supervisor XXXX agent # XXXX, who inform XXXX to let me know that in order for me to receive the {$1200.00}, I would need to send an email to the cashiers department. On XX/XX/20 I sent the email to the Cashier 's Department as instructed, and received an immediate automated email response with ticket # XXXX. 

On XX/XX/20 I called Liancare to follow up and the representative told me that they received the email and are reviewing the escrow and the case should be resolved by XX/XX/20. I have being calling since then and Loancare kept putting me on hold then disconnecting the calls.

Today. I called and spoke to one representative he transferred me to his supervisor. I gave the supervisor the tickect # XXXX and explained my case,. The supervisor said, " Hold on let me look into this. '' He put me on hold then disconnected the call. I called back again and spoke to another representative ( XXXX ), and she told me that she see where I should receive a refund but they are still reviewing the escrow. This loan was paid off since XX/XX/20. 

Plus, they sent a payment from escrow to Mortgage insurance in the amount of {$200.00} on XX/XX/20 which that money should have been refunded to us. 

I am frustrated with loancare for giving me the run around. I need your help in recovering the funds. Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

On XX/XX/19 I legally changed my first, middle, and last name. I have sent Experian the name change paperwork more times than I can count over the past year. They keep refusing to change my name on my credit report and consumer account no matter how much documentation I send them. I really need to use Experian Boost to work on my credit, but alas I am barred from the service. I changed my name because I am XXXX, so this kind of discrimination is outrageous. I have called them at least 20 times and faxed over my paperwork at least a dozen times. Experian does not care. All my banks have my new name on my accounts, yet Experian will not update it or let me use their credit repair services.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-10
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)

On several occasions I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. XXXX XXXX XXXX has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to XXXX XXXX XXXX was XXXX of XXXX. However XXXX continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The Credit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the Credit Reporting Agencies allowed XXXX XXXX XXXX to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. 

Re-aged charge-off dates according tot the Credit Reporting XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ).

Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A written request was sent to all 3 credit reporting agencies requesting both my credit file and credit report. Neither company has responded and are violating my consumer rights by withholding my personal information.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ( Original Creditor : ) XXXX Balance : {$300.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX