davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NJ)

MACYS/CBNA Balance {$960.00} Date open XXXX XX/XX/2015 XXXX has not removed this negative mark in my credit report, I can demonstrate with proof that this account does not belong to me. 
I did an investigation this company sent me a report showing that they open the account with a social security number also my name and address, that does not correspond to me this potentially affects me to apply any kind of credit or a job where I have already been rejected.
Consumer complaint received 2023-04-24
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. (CA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 relating to any transaction by the consumer. XXXX, XXXX, XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2023-04-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

I had an existing HELOC from US Bank which I wanted to close by refinancing from another bank. I requested for a payoff statement from US Bank which they provided with amount due based on a date an a per diem. I submitted the payoff statement to XXXX  XXXX  and they sent a check on XX/XX/2023. XXXX XXXX sent extra money to cover any delay in processing, postal delay etc. 

US bank returned this Check back to customer ( Myself ) stating they they can accept the payoff if the amount is in excess of XXXX from payoff statement and it took few weeks for XXXX to cancel the old check and process a new payments. 

Due to this delay I ended up paying ~4 weeks of interest to US bank and when I talked to a customer agent and escalated this, I was told an investigation will be done and possibly apply the new payment back dated ( Date when the original check was received ) but US bank refused to refund me for the interest for this additional 4 weeks. 

I asked several time to US bank 1. When I received a Payoff statement, there was no mentioned that US bank will refused the payment if payment is XXXX excess from payoff due. 

2. After several requests, US bank is not able to provide any rules or terms which shows this policy. 

3. My new bank XXXX was not aware of this policy from US bank, they told me any excess payment made by them is generally refunded to customer with in few weeks. 

4. I have called several time to US bank and ask them to provide some written documentation of where is this XXXX policy rules and provide me some written documentation of why my the requested was denied, I have waited for a long time and there is no response from them. 

5. I talked to some supervisor as well but US bank is not resolving this issue.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (NY)

there are 2 hard inquires in my XXXX credit report were NOT from me. One is from XXXX XXXX  XXXX inquired on XX/XX/2023. The 2nd one is from CitiRetail ServicesXXXX XXXX XXXX XXXX ), I need these two hard inquires to be removed from my credit report and also I want to make sure the two places ( XXXX card and XXXX  card XXXX do not issue the store cards out in my name. Someone must have stolen my personal information and trying to open store cards to do shopping!
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 2023-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX XXXX  locked me out of my account online. For about six months I called them continuously about it and the issue was never resolved. I received paperless billing so I could never see my bill, interest fees or credit card statement. They charged me {$5.00} every time that I would call and inquire about any problems that I was having or to pay my bill. I closed my account and asked for my previous statements that would show all my fees that I have not seen in six months. They were unable to verify any of my debt. Since than my card has been charged off and sold to another company LVNV Funding LLC C/O resurgent capital services XXXX XXXX XXXX XXXX, SC XXXX XXXX. I am requesting that credit one and LVNV be deleted from all three credit bureaus due to inaccurate, incomplete and unverifiable information. My rights have been violated under the FCRA. 
I have contacted them and sent a letter, they sent me my last bill statement but I need to see my history of my account for the last year due to fraudulent charges. They were unable to provide me with this information. 
XXXX XXXX has been deleted from my XXXX  account but not all three credit bureaus. 
Since it was deleted from one, they should be deleted from all three. Please see the attachment. I have also filed a complaint with the Better Business Bureau for fraud. 
XXXX  complaint # XXXX.
Consumer complaint received 2024-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.

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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (MI)

I made a payment to my Goldman Sachs Credit Card from my Goldman Sachs savings account. The savings account showed sufficient funds to make the payment and the credit card indicated that the funds were received and paid in advance of the monthly deadline. 
After making the payment, the credit card showed that {$0.00} was owed and required payments were made. Later, they said this was an incorrect reporting of their own systems to the customer. 
Days later, Goldman Sachs disputed what their systems showed when the transactions took place. 
As a result, I was charged an interest fee that I should not owe.
Consumer complaint received 2023-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

Dear CFPB, I have had both personal and business accounts with Wells Fargo. Over 8 years ago, I had my named and association removed from the business accounts after I sold my business. These accounts appeared again on my WF online dashboard a couple of years later and I again, went to a local WF branch and had my name removed from these business accounts.

About 5 months ago, I closed my personal accounts with WF and was told that I still have business accounts with WF. Even though I was the one who created the business accounts and added a business partner later to the account, I was told it was their " policy '' is that only the business partner could remove my name. Again, I had previously had my name removed two times before. I contacted my former business partner and he was told by another WF branch that my name is not on the account, even though I was shown a screen at another WF branch that showed my name still on the accounts. By all evidence, my name has never been removed from these business accounts by WF.

After closing my personal accounts 5 months ago, I just received a change of address notice from WF stating that my address has been updated on my personal savings and checking accounts. I closed these personal WF accounts and now like the business accounts WF continues to associate my name with accounts that I have previously closed.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (MO)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

i was offered a sign up bonus to open a checking and savings account and fund the account. My funds were all kept in savings for a short duration and the bank closed the checking account without warning or permission, invalidating the bonus promised since the account is no longer active before the period was over. I am told i can not reopen that account again and must open a new one but the bonus is no longer available. I feel this is a bait and switch by the bank.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I had a car accident in XXXX of XXXX that led my car being totaled. XXXX XXXX knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

I submitted a complaint back on XX/XX/XXXX complaint XXXX XXXX  regarding Public records Case XXXX XXXXXXXX and Case XXXX XXXXXXXX and this company continues to report inaccurate false information on my consumer report. I have provided proof and all they seem to do is play the blame game and I'm tired of the lies. On XXXX XXXX  responded the following to me via CFPB : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address - UPDATED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX AS REPORTED ( 2 ) XXXX XXXX XXXX-DELETED ( 2 ) XXXX XXXX XXXX XXXX-UPDATED XXXX-UPDATED XXXX XXXX XXXX XXXX-UPDATED XXXX XXXX XXXX/ XXXX XXXX . 


Now this says they verified as reported from XXXX XXXX XXXX XXXX Alabama which is false reporting because I have a letter from the court stating they DO NOT report to any agencies. Secondly I called them on XX/XX/XXXX spoke with a XXXX supervisor and was told it was verified through XXXX XXXX which is also false because I also have proof from XXXX XXXX stating the inaccurate records were Deleted on XX/XX/XXXX the supervisor then tells me that when they submitted the reinvestigation Lexis Nexis verified these Public Records and told me its not them I need to contact they are placing blame on Lexis Nexis. Now here is the crazy part I provided documentation from Lexis Nexis after I filed a complaint with them through this same portal showing that these cases had been DELETED and they still continue to LIE. If these PUBLIC Records are not removed from my consumer report immediately I will seek litigation against XXXX or LexisNexis if I continue to be violated with this false inaccurate reporting. At this point I don't know who is lying or telling the truth XXXX or LexisNexis but get the XXXX straight because yall are defaming my character, causing me emotional stress, mental anguish and costing me time and money not only that but this is past violating the FCRA law.