davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
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. (LA)

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 2023-10-05
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. (VA)

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-05
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)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-05
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. (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. 

1 ) XXXXXXXX XXXX XXXX, XX/XX/XXXX, account # XXXX. 
2 ) XXXX XXXX, closed XX/XX/XXXX, account # XXXX 3 ) XXXX XXXX, XX/XX/XXXX, account # XXXX 4 ) XXXX XXXX XXXX, XX/XX/XXXX, account # XXXX 5 ) XXXX, XX/XX/XXXX, account # XXXX XXXX ) XXXX  XXXX, XX/XX/XXXX, account # XXXX 7 ) XXXX XXXXXXXX, XX/XX/XXXX, account # XXXX 8 ) XXXX  XXXX, account # XXXX 9 ) XXXX, account # XXXX 10 ) XXXX XXXX XXXXXXXX, closed XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted several disputes because of XXXX XXXX that are not mine and they haven't mailed proof of the original documents if these were in fact my debts. This makes me question all inaccuracies. The disputes that I submitted were updated in one day. They didn't DELETE ANYTHING THAT WAS INACCURATE AT ALL!! They are violating my rights as a consumer. There are not even full account numbers. ( XXXX ) reads as follows ... ... ..Receivables XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX XXXX I never entered into any agreement with them ... .I demand that these Collections be removed! They don't even have full account numbers. 

( XXXX ) reads as follows ... ... account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never entered into an agreement with them either and they never provided proof. These all violate my consumer rights and are reporting inaccurately I demand that they be removed. 

( TransUnion ) Doesn't report accurately either for XXXXXXXX XXXX XXXXXXXX. There is no account number at all! These all violate my rights as a consumer ....
Consumer complaint received 2023-10-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KY)

On XX/XX/XXXX I went into the local Brooks Bros. store and learned they no longer stock the mens dress shirt I have bought from them for 40 years. XXXX XXXX the store manager told me he could sell me a custom shirt and when it came in if I did not like it or it did not fit I would not have to take. That day I charged the shirt and a tie on my Citibank , N.A . Brooks Bros. credit card. I left with the necktie. 

XXXX from the store called me to tell me the shirt had arrived. I went by the store and XXXX helped me try it on. XXXX was not there. The shirt does not fit it is too tight in the body. I left the shirt with XXXX. I asked XXXX to credit my account and produced my Brooks Brothers credit card. XXXX said he could not do the credit, XXXX would have to do it and he would make sure the credit happened. He said he would have XXXX call me. XXXX never called me. 

When my Brooks Bros. bill came in the charge for the shirt was on it. I called and got XXXX on the phone and he said he would talk to XXXX. I asked him to have XXXX call me. XXXX said he would and assured me the credit would appear on my account. I followed up the call with an email. XXXX would not respond to me. I also sent a notice of billing errors in writing to the address the top of my account statement. 

Citi continued to bill me. I called Brooks Bros. Customer Service on XX/XX/XXXX and spoke to XXXX. I followed up with an email to XXXX. XXXX wrote me back and said I spoke to XXXX at the store. He agreed with what we had spoken about and XXXX will credit you for the cost of the shirt via POS at the store. They apologize for the lack of communication as well. XXXX will be back in on Saturday and will take care of the refund then. 

Citibank N.A. has continued to bill me and every month it adds late fees and interest. On XX/XX/XXXX Citi Retail Services wrote me about my XXXX account with a determination that the charge was authorized. Obviously that letter made no sense because XXXX is not involved in this matter. 

On XX/XX/XXXX Brooks Bros. wrote and thanked me for being a valued Brooks Bros. cardholder and said in order to receive the credit I need to contact the store manager for further processing. Regrettably the store manager will not respond me. Yet Citi keeps sending me monthly statements with a new {$40.00} late fee and interest charges every month. 

I have continued to write Citibank N.A. monthly protesting the charges and asking them to cease and desist these unfair billings. I have copies of my monthly requests to cease and desist. 

Im requesting this agencys assistance to require Citibank N.A. to stop this fraudulent billing practice and mandate Citibank N.A. credit my account all charges and reflect a XXXX balance without any adverse credit agency reporting.
Consumer complaint received 2023-10-05
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. (IA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
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. (IL)

My name is XXXX XXXX this XXXXomplaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

In XXXXXXXX XXXX XXXX I.C. Systems sent an account made by someone else to my collections for a total of {$630.00} from XXXX XXXX XXXX. I called and had it straightened out let them know this was not me, made a police report and they removed it from my credit report. Then again in XXXX the same thing happened again, same amount, same account from XXXX XXXX XXXX. I called I.C systems again and they will not talk to me since the account doesn't belong to me therefore stopping my progression in getting the matter fixed.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA (NE)

My credit limit was arbitrarily decreasing by {$650.00} causing credit score.to.tank. my credit score is still around XXXX according to their very own website. They said it was from what I understand to be unsolicited information from credit bureaus. I have been customer 5 or 6.years and have never missed a payment or been late with a payment and was making decent headway into debt despite covid 19. This decrease will start a snowball effect and negatively affect other cards. I am not in danger of defaulting and feel this was malicious and possibly racially motivated due to current racial tensions of country.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$2400.00}, per the FCRA this is a violation, balance should be XXXX Date Opened : Inaccurate Balance : Should be {$0.00} High Credit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate
Consumer complaint received 2019-07-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (MT)

As of XXXX XXXX, 2019, I have been contacted nearly ten times since XXXX XXXX, 2019, a span of a little over a week. I never answer these calls as my phone carrier has flagged them as spam. Each time they call, sometimes multiple times a day, they leave voicemails that are over ten minutes long. This practice is not only annoying, but illegal as per the Fair Debt Collection Practices Act ( FDCPA ) 1692-1692p.806.5, which defines harassment as " causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' At this time, I am disputing the debt collection practices this company employs as it is harassment, requesting debt validated, and taking the matter up with original creditor, should I be provided with their information in a timely manner. I will take legal action if need be.
Consumer complaint received 2021-08-24
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. (LA)

I've sent a letter last XXXX it almost 30 days now and no response yet. The following accounts were used without my permission this issued hinders my life and causes me stress. I got a low credit score!. I am a victim of Identity Theft. I need help to resolve this Issued. I demand to delete immediately the following accounts!.
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (TX)

I purchased an XXXX XXXX XXXX XXXX service in XX/XX/2018 I was told it was much better than my current service I was told I would get free installation and it was to be way cheaper and faster than my current service. Come to find out it was slower so I canceled I used the service for about 30 mins they told me I may receive a bill for the service which I was aware of I received a bill for XXXX $ I called the company they told me not to worry about it because they were going to credit the account since I canceled service within the writing amount of time for cancellation. I was told to disregard the bill. I did just that. Months down the line I moved and I received a new bill at my new address I called again they told me the same thing disregard the bill that there was a credit places on the account. A few more months I got another bill I called again they sent me to a credit service n told me to email them that they didnt know why Im still getting a bill I spoke with sunrise credit emailed them and was told to wait 6 weeks and I never heard anything back. I want to complain that Im being harassed by XXXX XXXX XXXX  for a bill I should have never received. So now my credit score has gone down a significant amount Because they have places a collection on my credit report and it is getting in the way of me buying a home
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (GA)

The debt collection company purchased a previously charged off account from Navy Federal Credit Union. The company XXXX XXXX XXXX XXXX XXXX MI, served me with court papers on XX/XX/2023, in attempt to collect the debt of approximately {$14000.00} and or garnish my wages. I filled an answer in the Magistrate Court of XXXX XXXX State of Georgia contesting the debt. Trail is set for XXXX XXXX. I never had a delinquent or charged off credit card account from NFCU. I currently have an active credit card account with NFCU that is in good standings. I have never had a late payment or overcharge the account.
Consumer complaint received 2023-10-04
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt 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.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, FLXXXX ; XXXX **** Balance Owed : {$4600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
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: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am beyond worried about my consumer report. This month it has been targeted by numerous fraudulent attempts to open unknown accounts. Please I ask to place a FREEZE on my credit report. I dont want to place a fraud alert because Im in the process of buying a home and dont want to affect me. Please delete this as soon as possible as it is affecting me financially. 
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 ) I am not liable for this inquiries nor recognize them please remove immediately and place a freeze on my account if possible.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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