davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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. (TX)

I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was NEVER late for. Consumer Reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum accuracy. I have never been late on payments for the account. XXXX Account, XXXX,. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-05-29
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: Continental Finance Company, LLC (GA)

In accordance with The Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 here are a list of accounts and wrong addresses that violated my privacy... 
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 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 please remove these addresses i have no knowledge of theses addresses...

These accounts and wrong addresses 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, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681 C ( A ) ( 5 ) SEC STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONIS IN ACCURATE, PLEASE REMOVE THESE ITEMS OR I WILL BE INVOLVING MY ATTORNEY...
Consumer complaint received 2023-05-29
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. (NJ)

XXXX  XXXX allowed someone to sign up for a credit card under my name and now are reporting the stolen identity information on my report as derogatory. i am being negatively affected by this matter and furthermore would like for them to stop i have made a report with the identitytheft.gov they are on the job as well for i believe that to be the best 1st step. below are also my grievances. Thank you for your time. 

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of 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 reciept. its been 30 days and they are in VIOLATION of this law because I am a victim of identity theft. PLEASE DELETE THESE ITEMS IMMEDIATELY
Consumer complaint received 2015-08-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MD)

We have been dealing with SunTrust Bank since we came to the US.We must admit we were getting excellant personalised service since 2013.In all we had two chek in accounts, two savings accounts & two secured credit card accounts.We had closed Saving Bank accounts since we did not find any specific benefit of having these .We have been maintaining the accounts in the best possible manner i.e maintaining desired balance, not overdrawing, paying in time & thus have been maintaining strict financial discipline from day one till date.We also have a safe deposit locker. 

Few days back we received two letters fom the bank asking us to close all the accounts without telling us the account number or the reason of this uncalled action.We talked to Consumer affairs section of the bank to inquire the reason .We were told it is a business decision. 
We feel this uncalled action of bank is illegal & will cause undue inconvenience to us, a XXXX couple.We are living very cl ; ose to the branch & this action of bank without any reason or rhyme appears to us as an infringement of our basic as well as banking rights.
Consumer complaint received 2023-05-29
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 purchased a XXXX XXXX XXXX from XXXX XXXX and returned in within their 30-day time frame. I never made any payments on the car, and didn't even know that the loan was on my credit report. I reached out to XXXX XXXX in early XXXX and was advised by the young lady that she would forward my issue to the Credit Dept. and that it could take up to 6 weeks to resolve. Well on XX/XX/XXXX, I decided to dispute the account and related balance directly with Experian. I uploaded the XXXX XXXX documents to the Experian portal. I received an update from Experian on XX/XX/XXXX that the outstanding car loan and balance was verified as ACCURATE. It makes no sense to cause me this much stress. Even if you call the XXXX XXXX XXXX number, that account has a XXXX balance. PLEASE REMOVE THIS ACCOUNT AND RELATED BALANCE FROM MY CREDIT REPORTS. I RETURNED THE CAR WITHIN YOUR POLICY GUIDELINES.
Consumer complaint received 2016-07-29
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A. (CA)

I recently opened personal checking and also preferred business checking accounts with Citibank. Yesterday, I linked my account ( same owner ) in another bank to Citibank for " External Transfer. '' However, Citibank puts a daily limit of {$2000.00} for online transfer to account in another bank even though they allow another bank ( via same transfer method ) to transfer In ( to Citi ) up to {$100000.00} max per day. When I called Citi support, they asked me either use Bill Pay or do wire transfer to my own account in another bank and pay wire fees every time. Bill Pay does not meet requirement of account to account direct transfer from XXXX bank to another. The only viable options are online account to account transfer ( XXXX3 bus days ) or wire transfer ( same day ). So I think it is totally unfair that Citibank insists its clients to use wire method to transfer funds to another bank for funds above {$2000.00} but allows free transfer of funds into Citi up to {$100000.00}. I was also told by Citi person that Federal regulation prevents Citi from increasing this limit above {$2.00} per day, which I am not sure is true (? ). If this was true, then why my other bank ( Tech CU ) lets me transfer out up to {$100000.00} per day. 

My multiple calls to Citibank have resulted into no clear answer or willingness to even address this problem. I would highly appreciate if someone from CFPB can investigate this and ask Citi to either increase their daily limit for online transfer of funds to external accounts or waive wire fees in such cases. Pls note online transfer takes XXXX3 business days. 
Thanks, XXXX
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

I have been trying to get my credit report and have provided Experian the required information and documentation THREE TIMES. I have gotten my report from the other XXXX agencies with no problem. THE ONLY AGENCY GIVING ME A PROBLEM GETTING MY OWN CREDIT REPORT IS EXPERIAN. The first complaint # XXXX they closed by claiming they were sending me a credit report that daty, XXXX XXXX. THEY DID NOT do as they said to close the complaint. Instead they sent a letter asking for the exact same info. Which I provided AGAIN with my XXXX complaint # XXXX. They closed that complaint by saying : " Unfortunately, at this time, we are unable to process your disputes, as they are not specific. '' I WANT MY CREDIT REPORT. HOW MUCH MORE SPECIFIC CAN I GET? DO WHAT YOU SAID YOU WERE DOING BACK ON XXXX XXXX. YOU ARE INCOMPETENT.
Consumer complaint received 2017-01-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Management Company (NJ)

I am being over charged a copayment of XXXX dollars when it should be XXXX dollars. After multiple calls i did giving my correct copayment assistance card I keep getting billed the higher amount and I am being threatened with collection because of someones error at XXXX XXXX pharmacy.
Consumer complaint received 2023-05-29
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. (OH)

n accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$3000.00} Reported balance Credit limit {$2500.00} XXXX  XXXX Last reported XX/XX/2023 $ XXXXReported balanceCredit limit {$3000.00} XXXX XXXX XXXX Last reported XX/XX/2023 {$570.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$710.00} Open balance {$750.00} 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
Consumer complaint received 2023-05-29
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)

I 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 30 days 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 2016-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

I C systems Inc is reporting theses alleged accounts with XXXX XXXX XXXX XXXX XXXX on my credit report and I do n't owe them any money. I returned the equipment to XXXX and received a receipt with a zero balance. I didnt have service with XXXX XXXX XXXX. I C Systems started reporting these alleged accounts on my credit reports with the the CRA 's ( XXXX, XXXX XXXX and XXXX ) without notifying me and continue to verify them after I have disputed them and requested verification of debt from I C Systems. They are in violation of FCRA 1681s-2 ( b ).
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (GA)

I purchased a XXXX XXXX XXXX from Car Max and returned in within their XXXX time frame. I never made any payments on the car, and didn't even know that the loan was on my credit report. I reached out to Car Max in early XXXX and was advised by the young lady that she would forward my issue to the Credit Dept. and that it could take up to 6 weeks to resolve. Well on XX/XX/XXXX, I decided to dispute the account and related balance directly with XXXX. I uploaded the Car Return documents to the XXXX portal. I received an update from XXXX on XX/XX/XXXX that the outstanding car loan and balance was verified as ACCURATE. It makes no sense to cause me this much stress. Even if you call the Carmax Finance XXXX number, that account has a XXXX balance. PLEASE REMOVE THIS ACCOUNT AND RELATED BALANCE FROM MY CREDIT REPORTS. I RETURNED THE CAR WITHIN YOUR POLICY GUIDELINES.
Consumer complaint received 2023-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( XXXX ) : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (TX)

I received a letter from Cedars Business Services LLC, XXXX : XXXX, on XX/XX/XXXX. This is on behalf of XXXX XXXX XXXX ( Account number XXXX ) to collect a debt of {$2400.00}. I contacted XXXX XXXX ( XXXX XXXX ) and spoke with XXXX on XX/XX/XXXX. She told me that an account was opened using my name and social security number in XX/XX/XXXX. The service location was registered to a New York Address ( XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The person on record for method of payment was registered to " XXXX, XXXX XXXX '', who claimed to be my wife. I have lived in XXXX, Texas since XX/XX/XXXX, and I do not know a person by the name of " XXXX, XXXX XXXX  ''. I am a victim of identity theft, and someone has fraudulently opened the account with XXXX XXXX using my personal information without my knowledge or permission.
Consumer complaint received 2023-05-29
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : TN Child Support XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn Child Support  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

EXCESSIVE and ABUSIVE FEES : We are customers of Bank of America and made a XXXX purchase yesterday at XXXX. We did n't have much of a balance in the account in the first place as it 's not our primary checking account. That said, we forgot to enter the transaction in our register last night, which caused our account to go into the negative XXXX. We would have gladly taken care of the issue this morning after checking our online accounts and when we did, realized that Bank of America charged us a {$35.00} NSF for a XXXX negative. I called and they refused to reverse the fee. Once I advised that I would be filing this complaint, I was escalated to a supervisor. I waiting an additional 20 minutes on-hold and was finally told they would not reverse the fee. I should also point out that Bank of America has excessive hold times when calling in, as they have failed to hire sufficient staff, to serve it 's customers.
Consumer complaint received 2023-05-29
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. (NJ)

XXXX XXXXXXXX allowed someone to sign up for a credit card under my name and now are reporting the stolen identity information on my report as derogatory. i am being negatively affected by this matter and furthermore would like for them to stop i have made a report with the identitytheft.gov they are on the job as well for i believe that to be the best 1st step. below are also my grievances. Thank you for your time.

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of 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 reciept. its been 30 days and they are in VIOLATION of this law because I am a victim of identity theft. PLEASE DELETE THESE ITEMS IMMEDIATELY
Consumer complaint received 2023-05-29
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. (KY)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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. (IA)

I have been a victim of fraud and i notice accounts on my credit report that i am not aware of. I have tried to reach out to 3 major credit beaureas and they wouldnt not help me with getting that information removed off my report.
Consumer complaint received 2023-05-29
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$180.00}
Consumer complaint received 2023-05-29
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. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-29
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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