davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-16
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)

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  and XXXX XXXX XXXX  XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Consumer complaint received 2020-11-16
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. (CA)

These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

The original creditor have made unwarranted claims, especially when most of the maintenance and walk throughs were not allowed anymore, due to COVID-19. Only emergency maintenance calls. The debt balance includes mostly maintenance charges that we had to call in and report. They turned the maintenance reporting off via their online portal. There were no ways to report maintenance except for calling in. and replacement of carpet. However, when it comes to the maintenance, we were informed that our maintenance calls were not emergencies and they were left unattended, again due to COVID-19. The Apartment complex were not doing walk throughs anymore at the time to hand in the keys and vacate the unit, due to their new policies, again to due COVID-19. The breakdown of the additional charges includes all of the maintenance issues we had informed them about. The fact that they are now charging us for it, is stealing and against their own changed policies, due to COVID-19. The creditor claims that the charge for carpet replacement should be ours. However, the carpet was left in good condition, we did not destroy anything that it needed to be replaced or fixed. There is no proof of that and we did not sign off on something like that. Again, there was no walk through, because per the creditors new policies, due to COVID-19. I am willing to pay what is warranted, which only includes the following : water reimbursement, trash out, garage cleanout, dry wall repair from tv mount. I have included the copy of the additional charges so you may cross reference with the list above to the charges. My portion comes to a total of {$280.00}.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX  XXXX XXXX and XXXX  XXXX/XXXX XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am a federally protected consumer and my rights are being violated per title 15 1681 " The Fair Credit Reporting Act '' by several credit reporting agencies ( Transunion, XXXX and XXXX ). I have been trying to resolve my hardship that the credit reporting agency have caused me for over a year now. I am a victim of fraud and have filed complaints with the Federal Trade Comission as well for Identity Theft. I have fraudulent accounts appearing on my credit file which is harming my general reputation. I am going to list several violations per the FCRA that the credit reporting agencies have violated. Notice, it is a fact, I, XXXX XXXX is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). Transunion, XXXX and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. it is a fact, XXXX, Transunion and XXXX is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. Affiant was not given the chance to opt-out of having this reported information about. Notice, it is a fact, XXXX, XXXX and Transunion is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown. Notice, it is a fact, Transunion, XXXX and XXXX is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ). Notice, it is a fact, XXXX, XXXX and Transunion is aware, each requirement of the FCRA which the credit reporting agency fails to comply with, holds the company liable for {$1000.00} per action and pursuant to 15 U.S.Code 1681i when an investigative report is prepared, no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified making credit reporting agency liable for each consecutive reporting.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I just checked my XXXX  credit report and have found a couple of unauthorized inquires I would like removed ASAP. I respect accurate reporting and need these inquiries removed per FCRA standards. 

Inquiries to remove are as follows : XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CAP ONE NA Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you
Consumer complaint received 2021-11-28
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: AES/PHEAA (FL)

I filed a dispute in regards to the items on my credit report on XXXX XXXX. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-11-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on ALLY FINCL. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

ALLY FINCL XXXX Opened : XX/XX/2013 XXXX XXXX : {$0.00}
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I have a loan with JPMCB XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

JPMCB XXXX XXXX Opened : XX/XX/2006 XXXX XXXX : {$0.00}
Consumer complaint received 2021-11-28
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: U.S. BANCORP (TN)

On XX/XX/2021, I called today to removed website 's information that had a credit score. XXXX said that the score was from XXXX which is false statement it is actually a advantage score from them, I asked the person on the phone from the company of U.S. bank ( XXXX ) to remove it from my web page so I don't see it, he ( XXXX ) then talk down to me using semantics just 'cause I didn't use the term that he use he was insistent in driving in the point that is the term he use was right and not what I was read right from there webpage, I called it a shortcut credit score he didn't like what I called it and was unwilling move on unless he argued that point, then I said are you saying XXXX can put stuff on my webpage your account and you can't take it off. It seems like a simple fix to me just remove it from the web page. 1. you would have to explain to me why you can not take off a credit score from your on website. After that I called back to the bank to complain and because I didn't want to be referred to by my first name he then refused to move forward with the process of giving me information on how to complain, not even using other way to confirm my identity 2. You have to explain why there is only one way to confirm a person ID on with the first name.
Consumer complaint received 2021-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I received a text from this phone number : XXXX ( XXXX ) XXXX Saying I have alerts with CITI bank. 
I do not own any accounts nor have any affiliations with CITI bank under my name/ social security. 
The text states I have an account with them ending in a number I dont recognize. 
And a sketchy link to a CITI banks alert site. 
I checked online and you would only be texted an SMS alert from CITI if you register on their app to do a 2 step authentication. 
CITI bank also states the phone numbers they send alerts from and that number is not listed. 
This phone number is also a personal number registered from New Jersey. 
Pleas look into this as this is a scam and also a fraudulent banking scheme.
Consumer complaint received 2021-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (TX)

I was alerted by XXXX XXXX that a PayPal /sync credit card was opened in my name ( using a previous last name ) I did not open this account. I called the company and they told me it was a previous last name and a different address but wouldn't tell me that information. They did close the account but it has dropped my credit score XXXX  points! I disputed with XXXX and XXXX and both sent me emails saying that the account had been verified!!!!! Ugh! Obviously someone has my info and I don't know how to fight this. Today I received another notice but the name of the new card is not listed on my credit report yet. I am terrified they are opening any account they can? Please help me
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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/year>
Consumer complaint received 2020-10-09
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. (MA)

Good Morning XXXX XXXX XXXX  Credit Card ... ... how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-11-14
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. (NY)

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 2020-10-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITY NATIONAL BANK (CA)

I used my City National Bank award points to redeem for toal {$600.00} on two City National Visa Gift Card on XX/XX/2020. Order Confirmation Number : XXXX. that, I called CNB reward customers servers to ask my order to check my order status and shipping information. The agent told me they can not check my order status since my credit card was canceled, but they can see my order was being processing. 

Since Covid-19, I left United Stated in XXXX and return in XXXX. I checked my mailbox and didn't see the City National bank gift card. I called City National Bank rewards department and agent told me they can't track my orders and asked me to call City National Bank customer Services. I called City National Bank customer Services, but agent told me that I should contact City National Bank Rewards department. Back and forth, I called too many times to City National Bank customer Services and City National Bank Rewards development. Finally, one agent promised she will help me to check the status and call me back in two days, and she gave me a reference number # XXXX but after week, I called City National Bank customer Services to query my case, but was told my case was closed and asked me to City National Bank Rewards development. I called again and again, finally one agent help me to talk with her supervisor and told me will call me back in two days. 

I received a email from City National Bank Rewards development today and was told my Visa gift card was delivered on XX/XX/2020 and has been used. 

I never received those two Visa gift card. I asked for shipping tracking information in XXXX, but CNB didn't give me.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (HI)

On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-11-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (WA)

I spoke to a lady i forgot her name but at the usbank branch and she would not give me help, and when i asked to speak to her superviser she cold transferred me to the closed fraud department.