davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason And my personal information is outdated, and I've asked the credit agencies to removed old information and updated new information which they've failed to correct.
Consumer complaint received 2020-04-21
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. (UT)

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my current account summary from XXXX and it clearly shows that this account is current. I have never missed a payment on this account and consequently the late that is reporting is in error. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Date of purchase : XX/XX/XXXX Amount : {$660.00} Company : XXXX XXXX XXXX Citi Case  # XXXX Summary : I filed a dispute with XXXX XXXX XXXX  with my credit card after numerous attempts for a refund with them. After many months of communication back and forth, Citibank decided to rule in the merchant 's favor despite hard evidence that the merchandise being returned and their failure to receive all documents needed despite be given to them multiple times. 

I submitted a dispute with the merchant on XX/XX/XXXX after trying to return the merchandise to the store and dealing with their customer service. On XX/XX/XXXX the item was delivered to XXXX XXXX XXXXXXXX. A refund was not issued due to the merchant claiming that the item was not in the box when it was returned. I followed up with the merchant and explained to them it was a mistake on my part and I would need another label reissued to me to send back the correct item. I did receive this label from the merchant with the same tracking #. I repackaged it and received proof from the shipping company that it was returned. On XX/XX/XXXX, I dropped off the package back to XXXX XXXX XXXXXXXX with tracking # XXXX with the item being delivered back to the merchant on XX/XX/XXXX. The merchant insists that they never received the item back which led to the chargeback despite explaining to both Citi and XXXX XXXX XXXXXXXX that they gave me the same label hence the confusion. Citi ultimately decided in the merchant 's favor on XX/XX/XXXX and gave me no recourse and said their decision on the matter was final because the merchant 's bank decided it was closed.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-09
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (NY)

I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/21. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

i changed my card due to wear and tear. i got my new card with a different cvv - it had allowed me to use the card upon activation to withdraw XXXX. I proceeded to do another withdrawal but i get a message on the machine error XXXX as the response code. I went inside citibank and they said my account looked fine and issued me with a temp card as they order a new one. i then started to use the card to see if it worked withdrawing money and i got the same error XXXX, I went back inside the bank and they called the security department who told the manager of the bank that my account is under review. they told me that i had to wait XXXX XXXX to make a decision. i am scheduled to fly out on saturday -.and have no funds to go to my mom 's funeral. in the interim i am unable to withdraw or do anything
Consumer complaint received 2022-08-06
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. (NC)

I called the 3 credit Bureaus after I purchased a credit report in XXXX  After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX PL XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2021-05-20
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)

I called Equifax and spoke with XXXX  ID # XXXX explained that I did not give anyone permission to access my credit for any reason. I explained that I did not do this and according to the FCRA those inquiries should be removed for XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, TX XXXX AR XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have explain that I did not do this. Delete this information from my credit.
Consumer complaint received 2021-06-30
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. (MI)

In XXXX, my mother moved into a XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. Since I was not working with and living with my mother I was not working and a XXXX XXXX XXXX under my mother care. The lease was signed and due to run XX/XX/XXXX XX/XX/XXXX. If wanted to receive a {$50.00} discount on the rental. In XXXX of XXXX, the apartment complex came to my mother and told us that they recalculated the numbers and we can move out and not have the additional months added. They had a tenant who wanted the unit. We SPECIFICALLY told them that we were under the impression that we had to move by XXXX. The apartment manager stated that it was incorrect and we can move now NO Penalty. 
Then after a couple months the new company decided that they didn't like the agreement and filed charges against me and my mother. XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX filed a rental eviction on us to Appear in court on XX/XX/XXXX. XXXX # XXXX for the amount of {$1600.00} My mother called and they stated that it was a mistake and they cancelled their case with XXXX district court. A couple months later it was added to my credit report. 
I called and they told they me that it was an error and that why the removed the case. I reached out to the company and since its now new management they wont speak to me. i filed a complaint with the credit bureaus. And I also sent XXXX XXXX XXXX letters to rectify the error that is cause a huge problem with my credit file. XXXX and XXXX refused to respond to me. Instead they came up with this outrageous amount and trying to make me pay something in which they know I do not owe. They know that they removed the error from my mother account and just using me as a way to try to get an unlawful payment. 
The Credit bureau keep sending back verified. I send another asking the how did they verify it .. The sent another letter asking how did you verify and who and when did you speak with someone. Transunion and XXXX did the same this and refused to kook into my claim.. 

They are trying to put debt on me that I do not owe. You can look at my payment history and see that i pay my bills. 
And further more I was not even living in that home, i resided in Florida for months before. 

Im sending a complaint to CFPB due to the companies inability to correct this painful hit to my credit file.
Consumer complaint received 2020-10-09
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: U.S. BANCORP (TX)

Had fraudulent charges. Company reversed them and sent me new card as well as letter saying they had made mistake. Asked me to send in documents and photos which I did numerous times. Promised call back in 5 days on 3 seperate occasions. I have XXXX in that account and today was told I was out of luck and would not be able to access it at all
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2022-12-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to XXXX, XXXX and TransUnion on XX/XX/2022, XX/XX/2022, XX/XX/2022 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (IN)

XXXX my Digital lfie account n # XXXX I have not lived at XXXX XXXX XXXX in XXXX since XX/XX/2020 I only owed them {$49.00}. I tried to log into pay bill but was locked ou because new owners had taken ownerhsip. now they are saying I owe them {$160.00} and was sent fraduelently to collecitosn
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MO)

XX/XX/XXXX obtained car loan from Santander Consumer USA for {$17000.00}. Made monthly payments of over {$440.00} a month until XX/XX/XXXX when a deer hit our van and our insurance company of XXXX totaled said van. Santander Consumer USA was notified by insurance company and THEY accepted payment of over {$9000.00} for settlement of this van. With the monthly payments and the insurance check, this van was paid in full. In XX/XX/XXXX Santander Consumer USA did sent us a bill for the remaining 3 years on note for this van. This was illegal due to their accepting the payment from our insurance company and for the van being totaled and thus no more van. Santander Consumer USA refused to accept, and we notified the Missouri Attorney General and we disputed this being owed. Santander Consumer USA has placed on our credit report that the amount of {$7600.00} was charged off. LIE. That is not true. That was the amount we paid on the loan. They failed to list the insurance payment of over {$9000.00} that was given them. Santander Consumer USA has committed fraud, they have lied to cause my husband, XXXX XXXX XXXX co-signer, and me to be denied credit, or to have credit higher than should be. WE want this immediately corrected and removed from our credit reports to ALL credit agencies. We recently got a van loan and because of Santander Consumer USA 's lies, we had to have a high interest rate of XXXX per cent. Santander Consumer USA intentionally set out to harm us and our credit. They have committed fraud by putting false information to the credit bureaus. WE WANT THIS Corrected immediately. We want a letter from the credit bureaus stating that the information provided from Santander Consumer USA was fraud, lies.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX 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 XXXX XXXX, 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 2021-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

South west credit systems XXXX stated that owe an amount already paid to XXXX  there is no exchange for amount or consideration. There is no loan and should not be inferred. XXXX  has all equipment in possession yet expected again to show reception and I did.
Consumer complaint received 2022-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TN)

The companies involved issued my wife credit cards a decade ago or simply created these debts illegally. It is so long ago I have no idea if the amounts are correct. These were never my debts. My wife has paid off these cards years ago but the company is question created fake debts several years ago and I suspect they bought equally fake debts from another dishonest company. In this case not only did they assign me debts that were paid off that were never mine but they illegally reset the starting date for the debt to be within the last couple of years which is impossible.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

After being a customer for almost ten years, I received a notice, dated XX/XX/22, stating my account was being closed due to " Irregular authorized user activity on one or more of your accounts. '' After reviewing my credit card user agreement, no where does it state that I can not add and remove authorized users. I would like my account reinstated and reporting in good condition as it was when my account was closed because I did not violate any of the terms of using my card. 

A phone call with a customer service representative, XXXX, stated that having more than 4 authorized users on an account was against policy and I had 5. However, that isn't listed in any of the user agreements provided to me when using this account so I believe this is against consumer protections.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-09
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: CITIBANK, N.A. (FL)

I am trying to get a loan from a bank for myself. The bank says I have perfect credit, no late charges, no late payments, XXXX credit score, I own my home and my car. Everything perfect. But I seem to have one dispute from a few years ago that was resolved and fixed with no charges, etc. Citi bank has it on my report of this dispute, says is resolved, but can't remove it. My loan officer says that this little glitch will stop the loan. I asked it be removed and also that the credit report company erase it. Neither has been done. I can't believe I can't get credit as a perfect credit person because of this.
Consumer complaint received 2022-08-06
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. (MO)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXXXXXX Balance : {$7300.00}