davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

1.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 : 14. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

17. Validate Account XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

18. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

20. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

21. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

22. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

23. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

24. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2022-08-07
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Based on, 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 receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX account numbers XXXX and XXXX, XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2.It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX account numbers XXXX and XXXX, XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2.It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (SC)

I receive a notice of collection from ARM Resolutions in CA for a subscription with the XXXX XXXX. I never had a subscription with the XXXX XXXX. This better not damage my credit in anyway. This is a complete fraud and I will follow up with a complaint to the XXXX XXXX XXXX also.
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MI)

I open a checking account in XX/XX/2021 with Citibank. The account number is XXXX and made an initial deposit of XXXX. This amount made me elegible for a bonus of {$1500.00} if I maintained that balance for a period of 90 days. 
Citibank has refused to pay that bonus simply saying that " I am not eligible '' to receive the bonus. I maintained the XXXX balance or above for at least 6-7 month. 
I started to contact Citibank in XXXX to ask about the bonus and received multiple answers, often indicating that the balance would be forthcoming at some point in the future. I do not have a record of the calls. I am sure that Citibank does. 
I am hoping that they will pay a bonus that they promise and now they arbitrarily deny. I believe it is abuse of power. 
Thank you
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone try to misuse my Personals information and get Autoloan. Below are the 3 hard enquires that are not done by me. I tried to reach out XXXX, XXXX & Transunion but they are not removing below 3 hard enquires. Can you please help in removing these 3 Hard enquires from all the 3 credit bureaus ( XXXX, XXXX XXXX Transunion ). 
I spoke to finance team at " XXXX XXXX XXXX XXXX XXXX XXXX '' & they told me that someone tried to use my details and get a vehicle & they were able to figure out that it was fraud. 

XXXX XXXX XXXX ( Bank  ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  XXXX ( Auto ) XX/XX/2022 XX/XX/2022
Consumer complaint received 2022-08-07
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. (MO)

Companys are report false information to my credit report, my biological mother has the same name, my aunt has also used my name, I cnt afford to hire a lawyer. False information on my credit report.
Consumer complaint received 2022-08-07
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: DISCOVER BANK (NY)

on XX/XX/2019 an account at XXXX XXXX was established in my name, I noticed that fraud account was reporting on my credit report and tried disputing this account multiple times as identity theft fraud and the end result is, the account is still reporting on my credit report as charged off. when I called XXXX XXXX and supplied the customer rep with my social to look up this account, the account could not be found. I supplied the rep with the account number that i received and was told that the ssn doesn't match what's on their file. I have filed another dispute with the credit agencies to have this information removed from my credit report. I asked for validation of this debt, I have yet to receive it. this fraudulent account has lowered my credit score and held me back from getting approved by apartments, this account has cause me unnecessary hardship. I need this account removed from my credit report and compensation for the hardship I endured. 

the ssn number on the account or application doesn't belong to me, this account needs to be removed
Consumer complaint received 2022-08-09
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IL)

on XX/XX/2022 I realized that LexisNexis was furnishing a consumer report on my behalf without the written or verbal consent directly from me the consumer, which is a federal violation of the FCRA. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave LexisNexis any instructions to furnish a consumer report on my behalf. On XX/XX/2022 I received a letter from LexisNexis informing me that I had successfully op-out of there system and the pin code to review this full consumer report, Upon reviewing this consumer report I notice LexisNexis have been furnishing vital personal information on my report which is also I direct violation of 15 U.S.C 1681 ( a ) ( 4 ) my rights have been infringed upon by LexisNexis due to this information being furnished. On XX/XX/2022 I sent LexisNexis a Affidavit informing them of the Consumer violations that they have committed against me in an attempt to have them remedy the situation by removing my name from there website and stop furnishing this report. I also attached to that Affidavit a letter directly from the XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 that states they do not share personal information with Credit reporting agency on any kind. I requested that LexisNexis do a full investigative report into the information that is being furnish on this report and mail it to me. directly. They are running my reputation as a federally protected consumer.
Consumer complaint received 2022-08-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX XXXX XXXX XXXX XXXX proves without a doubt that we have absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-07
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)

Account name XXXX XXXX XXXX XXXX // Account number XXXX I requested in XX/XX/XXXX for Experian to verify the account for accuracy the account was auto verified with less than 5 days and noted " This item remained unchanged from our processing of your dispute in XXXX XXXX " So I sent another request again to have the account verified for its accuracy and Experian completely disregarded my request The account is a charge off that is reported as a charged but also reporting a past due balance " Account charged off. {$510.00} written off. {$510.00} past due as of XX/XX/XXXX. '' and also reporting charged off each month but I noticed in XX/XX/XXXX its blank this could of restarted my statue of limitations
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Its my understanding that credit reporting agency would investigate and re-investigate this account for me to ensure 100 % accuracy. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. The Date closed as seen in attached documents listed as XXXX XXXX XXXX I am demanding a deletion of the following account : Account : XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Advance America, Cash Advance Centers, Inc. (LA)

Dear Advance America, I contacted your office on XX/XX/XXXX after receiving a charge from your company for {$400.00} which I did not make. 

Since then I have filed a report with my bank ( XXXX ) for a Fraud charge because someone within your system must have likely used my information to obtain a fraudulent loan. 

I live XXXX XXXX, La. The person I talked to at Advance America said that the money went through the XXXX, La. branch ; I have never been there. 

If necessary, I will go to the XXXX XXXX Police Department and open up a felony investigation. 

The last dealings that I had with Advance America were in XX/XX/XXXX and everything was paid in full. 

Your threats to report me for credit collection are way out of line when more than likely it was your employees who did not check out credentials properly to avoid the theft by deception. 

Advance America has sent me threatening emails saying that if I don't pay the money that my bank has disputed that they would report me to XXXX XXXX.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I sent my letters off XXXX and XXXX of XXXX  telling credit bureaus to investigate every piece of my information on the accounts listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA XXXX XXXX XXXX everything has to be 100 % Accurate. I have the credit report showing the inaccuracies .... 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-03
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)

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 NUMBER : 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 : XXXX. XXXX XX/XX/2024 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 Equifax 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 30 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Consumer complaint received 2022-08-09
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. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have sent in disputes to TransUnion, XXXX, and XXXX about these fraudulent inquiries on my report. TransUnion keeps informing me about their policies and stating that they can not remove fraudulent accounts unless I contact the creditor. The point is that I have never contacted these creditors for an account in the first place. I also think that since they wish to continue reporting these inquiries as they are unlawful, they should pay the {$1000.00} per violation according to the following guidelines in the FCRA : 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 1681 Section A. States I have the right to privacy 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

credit report not popping up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my adress