davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am asking for your help with the wrong account showing on my credit report. This has affected my reputation, and I need your assistance to get it corrected. Your poor handling of my credit report has severely impacted me, and this incorrect reporting has destroyed my reputation. You need to remove this misinformation from my credit report.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( a ) of the FCRA -they are required to " ... Promptly delete all information which can not be verified. '' that i have disputed. 
Please resolve this manner as soon as possible. 
Thank you.
Consumer complaint received 2016-01-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (VA)

I signed up for a Discover Bank checking account using promo code : XXXX to receive a {$300.00} bonus. I fulfilled all the requirements outlined in the fine print and Discover said it was a target promo only open to a few people. It did not state this anywhere on the promo page when signing up for the promotion. I was already a Discover credit card member and it allowed me to apply the promo to my account. Here is the fine print of the deal which I completed every aspect including the direct deposits needed and I am a current Discover credit cardmember. 

" Open to current Discover credit cardmembers or deposit customers, excluding current or previous CashBack Checking customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; and 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice. " In XXXX message I had a representative confirm I will be getting the bonus on XX/XX/XXXX. After the day past I inquired again about the bonus and another rep told me I will no longer be getting the bonus.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These following accounts has been officially discharged under 11 U.S.C. 727, which protects me from any further obligations regarding this debts. As a result, all related accounts must be updated to reflect a Balance of XXXX, Higher Balance of XXXX, Past Due to Never Late, and No Late Payments should be reported to credit agencies. It is critical that these updates are made to ensure compliance with the Bankruptcy Discharge law. 

Any institution that fails to adhere to these regulations will be subject to legal action. This applies to all creditors involved in this matter as well as to any credit reporting agencies that inaccurately report information contrary to the discharge. I expect this situation to be rectified promptly to avoid any further complications. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute certain information in my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Upon reviewing my credit report, I found inaccuracies that I believe are affecting my credit score and overall financial health. 
The items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts includes inaccurate information. 
According to 15 U.S.C. 1681 ( a ), I have the right to dispute any information contained in my credit report that I believe is inaccurate, incomplete, or unverifiable. I respectfully request that you investigate these matters and correct or remove these inaccuracies from my credit report. 
Please find attached copies of any supporting documentation that verifies my claims. I kindly request written confirmation of your investigation results, as well as any changes made to my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe established by the FCRA.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC. (TX)

My Payment to Jared Galleria of Jewlery is due on or around the XXXX of each month. My husband and I both have accounts. I pay the payments online each month on or before the due date. Last month, the payment for my husbands account never cleared our bank when I expected it to. I called when I realized and they told me that the payment never cleared but that they could do the payment over the phone free of charge and would adjust my credit bureau from showing past due. I am meticulous about paying our bills and thought maybe I had just not hit the submit button. HOWEVER, today, I looked at my Jared account because my payment had n't cleared yet that I made on X/XX/17. When I pull up my account online it shows that I have a past due balance. Because of what happened with my husbands account last month, this month, I have been recording the confirmation numbers each time I make a payment on any of our credit card accounts to make sure I was n't making the error. When I called today, the CS person, XXXX, advised that they have been having system issues where they payments are not actually going through even though customers have a confirmation number. My concern is that at no time was I ever notified that there was an issue and Jared has not yet disabled their online payment system so there are likely other customers who are being charged late fees, having credit impacted, losing credit insurance protection etc. from having " late '' payments that are solely attributed to Jared 's online payment system not working correctly. XXXX told me that until further notice, we should call in and make payments over the phone. How are other customer 's supposed to know to do that if there has been no announcement or communication to customers?
Consumer complaint received 2024-10-23
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)

Im positive I pay on time, but I dont understand why Im being reported late for specific months. According to USC 1666b, billing errors should be corrected and reflect that I paid as agreed.
Consumer complaint received 2024-10-16
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. (TX)

The errors on my credit report pertain to 15 USC 16c-2. These inquiries were not authorized by me and are damaging my credit. Please remove any unauthorized hard inquiries. Thank you.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

i disagree with the account listed below which still appears on my credit report, i would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX XXXX XXXX WITH A REPORTING BALANCE OF {$0.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Consumer complaint received 2024-10-22
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-23
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. (PA)

I know I always pay on time, but I dont understand why Im being reported as late in some months. Under USC 1666b, any billing mistakes must be fixed, and my account updated to reflect on-time payments.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NH)

I went in to get my report and score. I followed the instructions and I did not get it. I called and they said it went to an inactive account. They said I had to set up a new account with a new email which I did. I still did not get the report. They said I had to wait 2 hours so I waited till the next day ( today ). The same thing happened - it went to an iactive account and I still did not get a report. They were not going to reverse the charges saying it was valid. I didnto get my report. I have not gotten my report - I need a report and yet I can not get it. SOMETHING HAS TO CHANGE WITH THESE BUREAUS. THEY WANTED ME TO DO THEIR {$1.00} SCAM. I SAID NO NO NO!!!! I WANT TO APPLY FOR A LOAN AND I CANT GET MY CREDIT REPORT OR SCORE!!!!!!! You are a govt agency and you should be doing something about this. Either dissolve these scams or keep them from scamming us and allow us to receive our credit reports and scores. THIS IS BUERACY AT IT FINEST!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-10-25
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: WELLS FARGO & COMPANY (AL)

There are 4 hard inquiries in my credit report that I need removed. Some of these date back as gar as last year and are over 6months old. They should not still be on my report
Consumer complaint received 2024-10-16
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. (TX)

I will like to let you know that you infringed upon my consumer rights. Remember that in order for the financial system to work, only fair and accurate reporting is required! According to 15 USC 1681 ( 1 ), public confidence is weakened when false and unjust credit reporting information is reported. 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Consumer complaint received 2015-09-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (DE)

Recently I have had several thousands dollars wired from outside acct into my Citi Bank checking acct. What shocked me is Citi charged me {$15.00} for service fee. It is such a ridiculous policy to punish its own customer to put $ $ to his Citi account. That explains again why Citi performance XXXX.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I mailed certified letter off to Experian and per my tracking number the letter was received XXXX XXXX, 2017. I am disputing 8 inaccurate accounts that are being reported by Experian. I requested that Experian Please send me copies of the documents that they have in your files as of this date ( XXXX XXXX 2017 ) that they used to verify the accuracy of the accounts listed. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. I have received no response from Experian to this date. The incorrect information that is being reported is effecting me in a negative way. I was recently denied an apartment due to the incorrect information that is being reported. There is a high probability that I will be homeless if they dont correct the issue as soon as possible, since my lease is up. Accounts being disputed : 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 2024-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

XX/XX/year> unauthorized use of my Wells Fargo debit card was used to make {$1500.00} of fraudulent purchases. My cell phone was hijacked. I contacted Wrlls Fargo within hours of discovering this issue. After 10 days they responded and did not honor my dispute. 

I have provided details of the hijacked phone. I discussed the fraudulent purchases of items Ive never before purchased from a company Ive never done business with. Wells Fargo refuses to honor my disputed claims.
Consumer complaint received 2024-10-23
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. (TX)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX, a collection account from XXXX XXXX XXXX account number XXXX with a balance of {$720.00}, XXXX XXXX hard inquiry requested on XX/XX/XXXX, XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-16
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. (NY)

These late payments : XXXX XX/XX/year> XXXX XXXX XXXX, XXXX 15 U.S Code 1681 ( 4 ) states I have the right to privacy I consider a late payment to be private information this must be removed immediately thank you
Consumer complaint received 2024-10-23
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. (FL)

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 2015-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC. (OK)

The debt collection company MSB Municipal Services Bureau did not respond to my letter of dispute and I also requested them to validate the debt. Instead, they sent me a second notice indicating that they gave me the opportunity to dispute and there was no notification received by their office. After receiving their XXXX notice I called them at XXXX the XXXX representative was very rude and snide when speaking to me, he then put another representative on the line and he admitted that MSB did in fact receive my letter of dispute and request for validation of the debt. The representative then said that because the XXXX letter was already sent that I could no longer dispute nor did they have to validate the debt. My initial dispute and request to validate the debt was completed within the XXXX day time frame allowed by law.
Consumer complaint received 2024-10-23
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. (NC)

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : THE FOLLOWING ACCOUNTS ARE IN VIOLATION OF MY CONSUMER RIGHTS! 

I DEMAND THESE ACCOUNTS TO BE UPDATED TO FULLY PAID AND 100 % PAID ON TIME! 

ACCT : XXXX XXXX  ACCT # : XXXX ACCT : XXXX XXXX XXXX  ACCT # : XXXX ACCT : XXXX ACCT # : XXXX ACCT : XXXX  ACCT # : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.