davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-31
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. (OH)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-01-09
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (CA)

In XX/XX/year>, I filed a complaint regarding an additional credit line opened under my US Bank account profile, from which the bank deducted payments. Unaware that this credit card was distinct from the one I originally applied for, I continued making payments until the amount changed. Upon contacting the bank, I discovered that the credit in question was not opened by me. 

Learning of the fraudulent activity and realizing I had unwittingly made payments on this unauthorized card, I contacted the bank, requesting confirmation of whether the card was legitimately opened by me. The bank failed to address my concern, prompting me to cease all payments to the card. 

Following my request for the bank to provide evidence, they began reporting the account as delinquent on my credit report. Despite reaching out to XXXX and alerting them to the situation, the bank chose to close the account and report late payments on my credit history. After XXXX contacted the bank, they opted to charge off the account, dismissing my request for evidence. 

In the complaint submitted in XXXX, the bank once again disregarded my request for proof of my involvement in opening the credit card. Instead, they asserted that the card was sent to my address and used in my area of residence, deeming it a valid card. 

Attached is evidence of an address on my credit report linked to the credit card in question. The bank confirmed that this was the address used to open the account in XX/XX/year> when challenged on the legitimacy of the account. I am once again urging the bank to thoroughly review its records, rectify the presence of this fraudulent credit card on my report, and expunge it. Additionally, I insist the bank provide the requested evidence should they continue to assert the account 's legitimate opening by me. 

The attached address is not my address below on my credit report which is now deleted by XXXX is not mine : XXXX XXXX # XXXX XXXX XXXX, CA XXXX and evidently shows the account was opened with the wrong address and shows the cards were sent to an address other than mine.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AL)

Prior to XX/XX/XXXX, I submitted a Public Service Loan request for loan forgiveness. I received some information indicating that I needed to submit proof of employment ( recertification ) from XX/XX/XXXX to XX/XX/XXXX. I submitted the required form, but I still have not received loan forgiveness. 

I submitted a PSLF form that allowed me to received a special one time waiver ( known as the " Limited PSLF Waiver '' ) which would allow me after proof of ten years of public service and 120 payments to receive loan forgiveness. I fulfilled my obligation : ten years of public service and 120 payments. 
It is now XX/XX/XXXX, and I still have not received any request for additional information ; however, I still have not received loan forgiveness.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (FL)

I received a promo offer from PNC, my personal bank, offering 15 months @ zero APR with a 3 % or {$5.00} fee, whichever is greater on balance transfers. Ill note this bank has been after me diligently to secure a card with them for the past year. Upon completing the application process with a work from home individual, & Ill note here I allege he was drinking as I could hear him drinking & the slurring was getting worse as the call proceeded. He & I worked out the approximate fee for the {$3800.00} I was going to transfer from my XXXX XXXX account. This is a classic bait & switch tactic, as I could have elected to use any of my other two bank cards to make the balance transfer & not had my credit score impacted. Im very XXXX off & Im really interested in knowing how your agency is going to help me.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello and good day, Ive been working tirelessly for months to fix errors on my credit report, and its been incredibly draining. Having a strong credit profile matters a lot to me, yet these mistakes have seriously damaged my financial prospects and peace of mind. Despite all my efforts to get this resolved, the issues continue to be overlooked, adding even more stress to my personal life and affecting my credit standing.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

In response to an offer from Citibank, on XX/XX/2024, I applied for the offer. When I input my information, I received a message stating that the offer was invalid. I then called XXXX, which is the number on the offer, and I was transferred immediately to XXXX XXXX. Last year, Amex sent a letter to my estate stating it was informed that I passed away and closed my account. I requested information from Amex via certified mail, regarding who stated that I passed away and to please provide the information. Amex did not respond to my letter but re-opened my account. This is the second creditor that sends a letter to my estate and it is very concerning to me and is causing me XXXX. I do not know who is providing this information and what they are trying to do. I am using this medium to receive a response from Citibank because Amex never responded to my certified letter. I just submitted a complaint about Amex so that I can receive a response from them as well.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XX/XX/XXXX Ss XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX To whom it may concern, My information was sold and bought illegally Because I was a victim of the Equifax data breach I want These items deleted from my credit reports effectively immediately I am attaching proof that Equifax had admitted that I was in fact a victim of this breach and equifax has done nothing please help me delete these illegal accounts from my credit reports
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-11-01
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. (OH)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 
Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-31
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. (CA)

I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.
Consumer complaint received 2020-08-24
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: LEXISNEXIS (GA)

Every month of XXXX and XXXX. 
I have attempted to correct this on going problem. I have contacted XXXX, XXXX XXXX, XXXX, and Lexis Nexis to get this information removed from my credit file. Only XXXX took me seriously about removing the information from my credit file. I did not authorize any of these companies to place an entry from the US Courts on to the public records of my profile. I contacted the courts and they sent me a letter confirming that they DO NOT report to the credit reporting agencies. I did NOT give permission to LEXISNEXIS  or XXXX to sell, share or provide my information because of law in the FCRA this information needs to be removed. I have provided documentation and the laws but no resolution has occurred yet.
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (NY)

I requested a modification from the loan servicer PHH Mortgage. Loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that I was denied because there is too much equity in the home and to contact the investor who is XXXX XXXX. XXXX XXXX was no help they told me I had to submit a letter to the correspondence dept. Myself n my XXXX was affect by the pandemic and XXXX XXXX. Since than my financial situation has changed and Im in a better place to make payments. They are refusing payments they just want a reinstatement amount in full. They are refusing to work with me and they have contacted an attorney to begin foreclosure proceedings.
Consumer complaint received 2020-08-24
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: JPMORGAN CHASE & CO. (AL)

Chase/JP Morgan bank has me listed as being deliquescent on a credit card in which I have never owned. I have never had an account with Chase Bank and have never lived at the address linked to the account.
Consumer complaint received 2024-01-22
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NC)

I recently applied for an Exxon credit card and was approved, but their system said I needed to call in to verify some things. I was unable to get through their automated system to even talk to a person to see what the issue was. After a few days I received an email stating I was approved and that my card was on the way. After receiving the card, I tried to activate it and once again it said I need to call in. I called in and once again was unable to get to the right person to find out what the issue was. Then their rep hung up on me. I did not curse or do anything unprofessional. Called back in and had to navigate the phone tree again to finally talk to a person. This person said they would have someone call me back at a later time, after saying they couldn't verify my account with a phone number. I asked to speak to a supervisor and told them I would hold to speak to a supervisor. They told me a supervisor would call me back, but I declined and said I would stay on the phone as I didn't want to have to go back through the phone tree again. At this point I just wanted to cancel/ close the account. They kept trying to say a company as large as Citi didn't have a supervisor available and I find that hard to believe. They kept trying to get me off the phone without resolving any issue. Finally after 45 minutes I was able to get a supervisor on the phone and I was placed on hold again. After being on hold for 10 more minutes I was hung up on again without any resolution.
Consumer complaint received 2020-08-24
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: AES/PHEAA (MA)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2019-06-06
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: EQUIFAX, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX - XXXX,XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX
Consumer complaint received 2020-06-21
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: EQUIFAX, INC. (FL)

Equifax failed to investigate the inaccurate information on my credit file. I sent them prove that I was never late on those account and they still dont want to remove the inaccurate accounts on my file. I have been disputing those information since 2018.