davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I wrote a dispute letter, waited 30 days and no respond. Then I wrote a letter asking for validation and no response also I sent in two forms of ID as well as as proof of address. 

Letter that was sent : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities. I noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong, I'm just saying that Im not 100 percent sure if they are. I also read the Fair Credit Reporting Act, which said that by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all. 

I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this. Could you please send it to me? Also, please let me know who had access to my files as well. I want the investigation outcome to be sent to the address I put on the form area. 

Thank you for your time and help in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

I opened a Citi checking account, since the bank was offering a {$700.00} bonus for depositing XXXX in new funds. The terms and conditions mentioned that you have to fund the account in 20 days from account opening, and keep the funds in the account for 60 days. The bonus would be paid out within 90 days after. 

The account was opened XX/XX/XXXX, funded by XX/XX/XXXX ( within 20 days ), and money was held till ( XX/XX/XXXX ). XXXX met again. I even called Citi twice to ensure the bonus code was added and did all my paperwork over the phone with a representative. They assured me code was added and my account was eligible for the bonus. I also called and verified when the money can be taken out of the account. I was given two Seperate answers but went with the later one as it matched the 60 day holding period.

I have been waiting for the bonus now for 2 months. Every time I call I get the run around and each time its a different answer. The representatives are rude, incompetent, and deceiving. Be careful with this bank!
Consumer complaint received 2022-08-25
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: PENTAGON FEDERAL CREDIT UNION (NY)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX AV XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXDate Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-08-25
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-02-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (IN)

This personal loan dates back to XXXX. However, when this company sold my loan to the company " SST '' my loan started over, with a maturity date of XX/XX/XXXX. However, my loan was almost paid off in XX/XX/XXXX, but XXXX has only provided the last contract which is not correct, showing double of what is owed on this loan. The original loan, from XXXX should have been paid off in XX/XX/XXXX and the new loan started in XX/XX/XXXX. However, I only borrowed {$3100.00} and the contract that XXXX presented to STT is not what I agreed to. I have no way of obtaining my original documents, due to the fact the website is shut down. XXXX never informed me they were ending their business nor transferring/selling my loan. I was not aware of what occurred, until I started seeing a different name ( SST ) pulling funds via ACH out of my banking account, although I never gave SST my banking information, to take payments via ACH out of my checking account.
Consumer complaint received 2022-08-25
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence, nor do I have access to any of these addresses, please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

I never did ask for anything related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Someone misused my info and XXXX credit bureaus know better than sharing my information with anyone! 

Another, I don't know where the heck amount of {$37000.00} is from. I dont owe this amount at all! XXXX XXXX XXXX has misused my credit record without mynpermission. Againz it is same thing with Equifax that keeps ruining my credit record. It is full of racists.

Another, why wouls XXXX XXXX used my credit report?! I did not ask for anything from this company or on something! 

Another, XXXX XXXX  is correct. I did hope to trade in their truck from XXXX XXXX XXXX truck. 

Another, XXXX  is corrected. I did want a travel trailer. Denied for no reasons! Again, XXXX credit bureaus have NOT USED MY APT OR ULTITIES INFORMATION TO CHANGE MY CREDIT RECORD. THEY ARE BAD AND EVIL BUREAUS AND WE SHLD SHUT DOWN THEIR BUREAUS. 

I have not applied for anything from XXXX XXXX XXXX! I dont have the XXXX debt of {$38000.00}. 

XXXX credit bureaus also did not know my student loan was partly waived. Then the debt of student loan is incorrect!
Consumer complaint received 2022-08-25
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. (NC)

My name is 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 2023-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I insist that your bureau updates the reporting of late payment dates to accurately reflect the current status of the accounts. I understand the importance of accurate credit reporting and take my financial responsibilities seriously. However, it is essential to note that there were occasional delays in my payments. It is unnecessary and misleading to continue reporting late dates when the accounts have been paid and are no longer delinquent. The reporting of these late payment dates is adversely affecting my credit standing and does not accurately represent my financial history. Despite these temporary lapses, I made the necessary payments to bring the accounts up-to-date, and there is no outstanding balance that justifies the reporting of late payment dates. I was the victim and XXXX not sure why the CRA is not complying with the law. The other bureaus have followed suit. XXXX very confused why this one seems to ignore my requests. I request a prompt and thorough investigation into this matter, with the immediate removal of the inaccuracies and the updating of late payment dates to accurately reflect the current status of the accounts. It is crucial that your bureau complies with the Fair Credit Reporting Act ( FCRA ) and rectifies these discrepancies without further delay. 
XXXX XXXX XXXX XXXXPLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXX XXXX XXXXPLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I expect to receive written confirmation of the resolution and the updated credit report at the earliest opportunity. The reporting of inaccurate late payment dates is not only misleading but also detrimental to my financial reputation, and I insist on a swift resolution to rectify this issue.
Consumer complaint received 2022-08-25
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. (FL)

In accordance with the Cares Act and the Heroes XXXX, XXXX XXXX XXXX  ( Account # XXXX ) has violated my rights, XXXX XXXX XXXX  reported 3 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX XXXX starting XXXX of XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.
Consumer complaint received 2022-08-25
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: DISCOVER BANK (CA)

On XX/XX/XXXX & XXXXXXXX XXXX XXXX, I was a victim of scam/fraud. The person pretended to be a hiring recruiter, interviewed me, told me I got hired, and made me sign a w4 and other paperwork. They told me I had to buy a laptop before my start date and sent me an invoice for the equipment and told me I would be reimbursed from the company after purchasing. I heard from an actual employee at the company a while later that the person who I was in contact with was a scam artist and was not affiliated with the company. The invoice was for a total of over {$7000.00}, but I had told them I wanted to pay in increments. Because of this, I luckily caught on before paying them the full {$7000.00}. The amounts I did end up paying them were 1 payment of {$2000.00} on XX/XX/2022 and {$2500.00} on XX/XX/2022. Money was sent to the scammer via XXXX, but XXXX said they couldnt do anything and to call Discover to dispute the charges. Discover opened a dispute but it got dismissed. I had them re-open the case, but they still dismissed the case in favor of the scammer. The credit that Discover gave me was refunded back to the bank and I never got my money back.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-08-25
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. (IN)

XXXXXXXX XXXX, Date reported is XX/XX/2022. Total amount is {$130.00} In accordance with the Fair credit reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-25
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-12-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I have automatic payments set-up with this company ESCI Heartland XXXX and every year or so they try and say I don't make a payment, and they overcharge me with and additional payment and send me threatening letters about reporting me to the credit bureau XXXX I've had this same dispute resolved before. When I call, they say that they can not help me with this sort of issue and that they only deal with website related issues. They said that they don't have any history of my payments and can not help me. They refer me to contact XXXX XXXX ( the school ). They clearly have something wrong with their system and they are using it to charge late fees for non-payments that they take from your account, and then return it. This is a predatory practice, and it needs to stop. The last payment that was taking out from them was {$90.00} on XX/XX/2023, and then it was returned. Now they are saying I owe them when they take the payments, and then reverse the charge. Again, this is why I'm set-up for automatic payments.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (TX)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2022-08-25
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-25
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. (MD)

At some point all three credit reporting agencies should stop blocking me from getting what the federal government is guaranteeing the US consumer. And that is weekly annual credit reports from XXXX, Transunion and XXXX. All three are still restricting us access to get the Free Annual Credit Reports. This has been going on for awhile, and it is being allowed to keep us from seeing how our credit scores are being suppressed. Now we have a perfect paying history, no late or missed payments on any of our accounts. No negatives or anything that could negatively impact our credit scores, yet my Transunion score is XXXX and my XXXX credit score is XXXX. My XXXX is XXXX and that is because XXXX limits their third part access into the consumer credit data. 

The goal is to keep our score low and make our accounts XXXX. 

We have been disputing this and all three credit bureaus have been consistent to NOT CORRECTING these intentional errors
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.