davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

Over the past 6 months I had disputed XXXX collection on my three reports to being told verified. The first I disputed, second I asked for VALIDATION and third factual. I never once I got a validation from not one of these companies. If they would of actually validated this debt, they would learn it is NOT MY DEBT. You cant report something that is not mine in the first place! Second I am per consumer rights have the right for fair, true and accurate reporting. Not only is this not my account but it is being reported with different amounts. I am attaching proof to this. 

Being I wrote to companies THREE times now and still have no proof of validation or even a investigation on their part other than the e-Oscar system I am requesting a IMMEDIATE DELETION. 

The law states a company must have a contract with my original signature on their letterhead with what I owe to be reported. I do NOT owe XXXX. PLUS ITS PAST XXXX XXXXXXXX.
Consumer complaint received 2022-06-07
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 Section 604 A Section 2 it states a consumer reporting agency can not furnish an account without my written instruction Inquiries 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 2022-06-07
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 Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX communications has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 Section 604 A Section 2 it states a consumer reporting agency can not furnish an account without my written instruction Inquiries 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 2024-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

Due to an error Citi Advantage did not award me XXXXXXXX XXXX XXXX XXXX on multiple hotel bookings which I booked a hotel through XXXX. I received a letter from Citi Bank notifying me that I will get those missing miles credited 8-10 weeks, it has been way over 8-10 weeks and no answer or updates from Citi Bank. I contacted Citibank requesting an expanation but no one answered me, however I did receive a letter dated XXXX but with information that is irrelevant to my concern.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

The credit bureaus are reporting two credit cards on my account. I did not give these companies my social security number or permission to use and share my information. They have violated my rights under 15 Y.S. code 1681 ( A ) PLEASE NOTE THAT THE COMPLAINTS NUMBERS : XXXX, XXXX, XXXX, BELONG TO ME. THE SYSTEM BOUNCED MY NAME TO XXXX XXXX BUT WITH ALL MY OTHER INFORMATION.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # XXXX # XXXX, XXXX, XXXX Account XXXX XXXX # XXXX, XXXX, XXXX Account # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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. (TX)

I noticed a derogatory " paid collection '' by a predatory collections company by XXXX & XXXX XXXX out of Tennessee. I submitted my full payment directly to the university via the university 's portal, not a collections company. However, when reviewing my credit reports, I was dismayed to learn that Trans Union LLC was the ONLY credit reporting bureau showing a derogatory account. I know for a fact that XXXX & XXXX violated many FCRA and FDCPA laws and as a licensed XXXX XXXX, I've compiled a court records and testimonies to corroborate a pattern of abusive behavior. 

I never received a letter from XXXX & XXXX XXXX nor could they ever prove to me that they were in compliance the FCRA/FDCPA laws. XXXX & XXXX XXXX never sent a letter, the university never provided me communications nor did they remit the services I paid for due to COVID-19. Since I am a survivor of XXXX XXXX I'm enrolled in the Texas Attorney General 's Address Confidentiality program where they assign a po box to receive mail in lieu of a publicly listing a physical address to add a layer of protection. I have attached that enrollment letter from when I joined the program.

Also, the university was not physically opened during C-19 and working remotely. Any letter they sent to me were not received. Despite paying the university, I now have a collections with a company I never interacted with! COVID-19 displaced many people and the university could not adequately follow with any notifications of derogatory payment. 

I submitted a complaint by the CFPB portal against XXXX & XXXX along with a formal dispute via Transunion.com, yet XXXX & XXXX is engaging in their typical " bully '' behavior and refusing any goodwill effort to delete the stain on an otherwise FLAWLESS credit report. 

This negative collection has dropped my report by XXXX points and is preventing me from opportunities and setting my interest rates higher. This is illegal. I have a tentative meeting scheduled with a news network who is willing to speak with me on the record for an " expose '' news story about this very matter should the issue not be resolved.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (FL)

on approximately XX/XX/2021 account begining with XXXX was reported on my account unaware at the time that said account was displayed on my report aprroximately XXXX oXXXX XXXX i received a letter from my bank that my information was leaked due to a data breach and need to review my credit report i thus began to review information that wasnt mine i then went for months and now years trying to reach this company left numberous voice mails, letters and emails and never have i recieved a response or any help i have submitted paperwork from the FTC XXXX police department and my lawyer and still no response i am fed up and XXXX stressed out my family has suffered due to this company negligence other companies have worked with me and were very helpful how come this company ignores my every requested please help!
Consumer complaint received 2022-06-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I started the refinance process approximately 21 days ago. I have been constantly ask, and required to provide duplicate information, and asked to provide personal dependent information related to me having legal guardianship of my biological relative. Each time I've submitted required documentation, Pennymac discovers something new is needed ... .something that was never disclosed. For example, I started the process 21 days ago, today I was asked for the first time to provide information that my current loan is not in forebearance. I've spoken to multiple representatives, on multiple occasions ( I have phone records to validate ) in attempts to get clarity, and provide Pennymac with everything that is being asked of me. I've been told by at least one representative that they have received all required documents, only to find out later that something new is being requested. There hasn't been any transparency, or consistency with this process, which is really causing mental anguish, as I have diligently provided everything they have asked..
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. (IL)

I have 2 previous addresses and 2 employers that are wrong and should be removed, I also have 2 accounts I was never late on as well. I have an account labeld charge off that is not correct. I want to validate 2 different accounts. And one account that says charge off that is incorrect
Consumer complaint received 2022-06-25
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. (WI)

I have tried Contacting Experien to remove these fraudulent inquires in my report there on the dates as follows XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX  on XX/XX/XXXX and XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX these need to be removed due to the FCRA as I Have no knowledge of these inquires and they are fraudulent.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XXXX  I attempted to open an account at Citizens to receive a promotion and use the account for some basic banking. The online opening failed while I was in the funding process and an error displayed to call in or go to a branch. 

I called a local branch and they didnt offer help, they referred me to call in. There hold times are over 20 mins so I had to request a call back. The person told me my account did open, although I received no email confirmation. She told me I could enroll in online banking. 

That didnt work after multiple tries and I had to again call support, wait for call back and get credentials created. 

I said I just wanted to close it because it wasnt even remotely working. I was told I couldnt until my funding transaction from my debit card had to posted. I attempted to set up an external account so I could transfer my funds as soon as it posted, but that didnt work because I appeared to have profile in their back end from an account years ago. More phone calls and told I had to call back after the transaction posted. 

Nobody would reverse my funding and close my account. 

This morning I received an error that my account isnt available in online banking or app. 

This has been the greatest display of incompetence Ive ever seen. This bank is not able to deliver their advertised products and services. By looking at XXXX you can see countless similar issues encountered.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is the only correct address that should be listed on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX Also my correct name spelling is XXXX XXXX XXXX this is the only correct name that should be listed on my Credit Report I have no other variations of a name.. Also I have only one phone number XXXX I have provided complete documentation to the Credit Bureau XXXXs on multiple occasions by Certified mail and still they have not corrected the Personal Information
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
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: Sequium Asset Solutions, LLC (NV)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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: ERC (NV)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-25
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. (NJ)

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

15 U.S.C 1681 section 602 A. State 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 an 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have noticed these inquiries were placed on my consumer reports. I do not wish to disclose such information on my reports as I did not give consent for these hard inquires to be placed on any of my consumer reports. Thank you for understanding. Below are the inquiries I wish to be removed from all consumer reporting agencies as soon as possible. I am aware that in order for anything to be furnished on my consumer report you must have my consent, in which at this time I DO NOT GIVE YOUR COMPANY CONSENT TO FURNISH ANY INFORMATION about me. 
XXXX XXXX. 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
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 information incorrect
Company: Experian Information Solutions Inc. (GA)

I sent in disupte letters to dispute inaccurate information regarding my credit report. These accounts XXXX XXXX XXXX XXXX and orignal creditor plus more accounts were showing multiple inaccursies across the board for each account from date opened, acct number, account status and remarks. Since FCRA law states I can dispute any information I feel is inaccurate i sent to all bureaus my reasoning for my removal request. I also sent in letter the FCRA law explaining their responsibility of maxium possible accuracy reporting and how they failed to follow the law, I have not heard or seen any type of repsonse to the letters I've submitted over 30 days ago. So i sent out another and made them alert that I was notifying you all.
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 information incorrect
Company: EQUIFAX, INC. (GA)

I sent in disupte letters to dispute inaccurate information regarding my credit report. These accountXXXX XXXX XXXX XXXXXXXX XXXX and orignal creditor plus more accounts were showing multiple inaccursies across the board for each account from date opened, acct number, account status and remarks. Since FCRA law states I can dispute any information I feel is inaccurate i sent to all bureaus my reasoning for my removal request. I also sent in letter the FCRA law explaining their responsibility of maxium possible accuracy reporting and how they failed to follow the law, I have not heard or seen any type of repsonse to the letters I've submitted over 30 days ago. So i sent out another and made them alert that I was notifying you all.