davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information on my credit report.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-15
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-11-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (HI)

XX/XX/XXXX at XXXX Hawaii time I have sent XXXX to a gentleman named XXXX XXXX who lives in XXXX apparently, he scammed me going on social media as _.XXXX XXXX and used a picture of a local woman. I was told that you can invest your money by turning XXXX to {$10000.00}. Due to my stupidity I did not hesitate to follow through. I second guess myself couple days later and realized that I would never see that kind of money so I cancled it. Couple days later I trusted who I assumed was the local girl so instead of {$480.00}, on XX/XX/XXXX at XXXX I sent {$470.00} to the same person XXXX XXXX and was promised that Ill receive that money before my trip to XXXX and he had called me to make sure that I would get it the next morning at any XXXX XXXX XXXX Saturday XX/XX/XXXX at XXXX I made contact with XXXX XXXX at this number XXXX ( XXXX XXXX XXXX. Promising me I would receive it. Monday morning came and I tried contacting XXXX through via text message and also called him and it went through a recording saying call rejected so I went to social media ( XXXX ) to let XXXX know whats going on ( did not know it was him who created the account ), and the account has been deactivated saying that the username was not found. On XX/XX/XXXX I found another local who was advertising the same thing XXXX XXXX did to so I trusted my gut assuming it was him so I had confronted him through a direct message and a couple seconds the page was deactivated and the username was not found which was XXXX. I made a post telling friends and family that its a scam and not to do it. I want him to be punished for his actions and I would like my {$470.00} dollars back he has nothing better to do so he scams people from all over the world and makes broken promises. I appreciate you for taking the time to read my complaint because XXXX XXXX needs to be arrested XXXX and XXXX bless
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lockhart, Morris & Montgomery Inc. (WI)

I wrote a letter to Lockhart, Morris and Montgomery requesting for them to send me a contract showing that I agreed to this account and that I am responsible for this account. There is no such contract. I have not received anything back from them.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was completely shocked this morning when I noticed inaccurate accounts showing up on my credit report. I check my report regularly, and this time there were sudden discrepancies that I couldn't explain. I even refreshed my browser, hoping it was just a glitch, but the errors remained. This has really unsettled me, and now Im asking for a thorough review of the documents Ive sent, so I can finally stop worrying about this.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2024-10-15
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 
Please delete the following accounts : XXXX XXXX {$9100.00} XXXX XXXXXXXX XXXX  {$2200.00} XXXX XXXX {$0.00} XXXX  XXXX {$280.00} XXXX XXXXXXXX {$480.00} XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I responded to a special promotional offer to open a Citibank Citigold Checking Account on or about XXXX XXXX, XXXX. The promotional offer code was XXXX and stated that, after I met certain specific requirements, I would receive a bonus of XXXX Thank You ( TY ) points. I met all the requirements by XXXX XXXX, XXXX. I contacted Citibank twice to confirm that I qualified and would receive the XXXX TY points, and Citibank twice confirmed that I would receive the XXXX TY points no later than 90 days after I met the requirements, that is, by XXXX XXXX, XXXX. Those confirmations occurred in online chats with Citibank representatives on XXXX XXXX, XXXX ( chat with Citibank representative named " XXXX '' ) and on XXXX XXXX, XXXX ( chat with Citibank representative named " XXXX '' ). When I did not receive the promised XXXX TY points, on XXXX XXXX, XXXX, I contacted Citibank on XXXX XXXX, XXXX. Citibank conducted an '' investigation '' and notified me by letter dated XXXX XXXX, XXXX that I did not qualify for the bonus, even though Citibank representatives twice confirmed that I would receive the bonus. I asked Citibank to reconsider the decision on XXXX XXXX, XXXX, and Citibank again notified me by letter dated XXXX XXXX, XXXX that I did not qualify for the bonus. I feel misled and cheated out of XXXX TY points, which are worth {$500.00} or more.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : Account number : XXXX
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I purchased a XXXX Nissan   XXXX in XXXX. The lender is Nissan Motor Acceptance Company, LLC. The vehicle was in an hit and run accident on XX/XX/XXXX. The authorized driver of the Nissan  was not covered by auto insurance ( XXXX ). NMAC was notified of the accident was being investigated. Meanwhile the vehicle was picked up by an unknown entity. I have contacted NMAC about the vehicle and its lender insurance on the car to pay off the vehicle. NMAC has since taken the payment history and account information off the website as to imply the vehicle has been sold. I have not received any documentation about the vehicle or payment installment requisition. I have contacted the lender many times and went to the physical office in XXXX, Texas. This issue continues to be unresolved. 

Since the auto insurance company is not accepting responsibility and I do not have possession of the vehicle and the vehicle can not be found. I am relinquishing responsibility of the contract on the vehicle. I respectfully invoke utilization of the " Umbrella policy '' t handle this matter. I thank you for your time and investigation of the matter. 

XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance : {$1100.00} Falsely listed on my credit report. Account has been resolved between the original creditor & myself.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-05
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. (GA)

You were recently notified that all Power of Attorney, Consent and Security Interest you were given on behalf of the Principal is now revoked. This means that you are no longer allowed to utilize any information relating to the Principal, including but not limited to, sharing, compiling, selling and acting on behalf of the Principal in anyway. 

Keep in mind, that using a person 's nonpublic personal information without consent is a criminal act known as identity theft. if you would like more information regarding the use of unauthorized use of a person 's information, you can find it codified in 18 U.S. Code 1028. 

XXXX XXXX XXXX XXXX is hereby instructed that you must immediately cease using any information related to the principal. It is required that you reply to this notice confirming that you have received this notice and have complied with the instructions within five business days.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (SC)

Credit Resource Management is reporting a collection that doesn't belong to me to XXXX and XXXX. I have disputed the collection with XXXX and XXXX and both credit bureaus have failed to provide evidence about this account or to remove this account from my credit report. My initial dispute was on XX/XX/2023, nothing has changed and the collection remains in my credit report.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-09-05
Product: Credit reporting 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 am writing to demand the immediate deletion or accuracies listed on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or e-OSCAR verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.