davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (NY)

Hello good evening. My name is XXXX XXXX XXXX. I have been trying to reach someone at XXXXenesis card services XXXX XXXX  to have a fraudulent account removed from my credit information however I have not been successful since I cant verify the information that is on the account due to it being fraudulent. So this is my last stop. I do not know the card number because nothing shows in full on my report. And it has some Texas address that I have never lived either. I live in XXXX XXXX XXXX. Though my information has been part of a marriot data breach. Ive never heard of this company or the card and I am formally demanding it to be removed off my report and from their system. I have already alerted credit bureaus also.This is effecting my college financial aid applications and its just not okay.
Consumer complaint received 2020-01-28
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: EQUIFAX, INC. (FL)

I was part of the Equifax data breech back in XX/XX/XXXX. I filed a claim and went through what I needed to. I noticed inquires that were not mine on my credit reports and reached out to these entities. XXXX is one of them I went back and forth with them and they did investigate and found that it was fraudulently done and multiple times. They have sent a letter out to the Bureaus to  have this inquires removed in which all but Equifax. I have disputed over and over and called XX/XX/XXXX and did a verbal dispute, with in 24 hrs dispute was complete and results were factual. I then called again XX/XX/XXXX asking how were they factual and did they investigate, was advised yes and they can not and will not delete these inquires including the other inquires that were requested as they were not mine and not authorized. I was advised I needed a report and an FDC report. I went on to explain that Equifax has notified me with letters of a data breech and on XX/XX/XXXX and in XX/XX/XXXX confirmed that XX/XX/XXXX you have identified my credit file as id theft and fraud and never placed my file with fraud alerts. On this call ( XX/XX/XXXX ) they then placed my file on fraud and stated will alert the other 2 buraus in which I stated has already been done. Equifax has also confirmed the letter from XXXX XXXX to remove the inquires and still will not. I am victim of fraud and my personal info has been compromised thru their data breech and I am being denied to have my inquires investigated and rightfully removed. I have reached out to all the inquires that are not mine and the others outside of XXXX XXXX have no record of me submitting an application or proof it was done by me or how it was done. I have submitted another dispute XX/XX/XXXX via online portal for all inquiries and reason of fraud. I am pending the results of such.
Consumer complaint received 2016-01-31
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (KS)

I received a pre-approved application for a credit card from Citi ( bank ) / XXXX XXXX XXXX XXXX XXXX XXXX. I went on line to complete the application process and was declined. I followed up and called the number on the application and went through the application process with a representative. Again, at the end, she said it was declined but refused to state why. The individual on the phone would not provide a reason for the decline and said that Citi would send a letter explaining the reason. 
The letter from Citi was received on XXXX XXXX, 2016 and provided the reason for declining the application. It stated : " Too few satisfactory credit references were recorded on your credit bureau report '', and " The consumer reporting agency serving your area has reported only a limited credit history for you. '' The credit bureau used was XXXX. 
I obtained a copy of my credit report and it stated, " There are XXXX potentially negative items on your report. '' It also said, " You have XXXX accounts in good standing in your report. '' Additionally, my husband and I both have XXXX credit scores at all bureaus. 
I called the number on the letter ( XXXX ) and spoke with a XXXX ( # XXXX ) about the letter. My husband spoke with XXXX for a majority of the call. He explained that we have a copy of the credit report and shared what it said. There were no negative items and all accounts were in good standing. 
XXXX said he was looking at the report as well and did n't understand why it had been declined. Everything looked good. 
XXXX put my husband on hold several times while he could try to locate a supervisor so that we could restart the application. Again, several times, XXXX stated it was, " ... weird and I 've never seen anything like this. '' After 27 minutes, XXXX stated that they would not be able to process the application. He would not provide an explanation for the decline. 

Based on the credit report, credit ratings, and our income level, there was no reason to decline the card. The only explanation would be either discrimination against me for being a female or being married. There is nothing in the credit reports to substantiate a decline of this credit card. 

As a note, neither my husband nor I carry any credit card debt. We have a home mortgage and a small consumer loan of approximately {$5000.00}. That is the extent of our debt.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX , Georgia XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In disdain of my previous request, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see the items I am concerned of : XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Opened XXXX XXXX, XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX , XXXX.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (AL)

My husband and I opened a savings account with Region 's Bank a few years ago and had my husband 's SSD directly deposited. The bank suggested with open a XXXX XXXX XXXX account which we did, not the bank has put us on notice if we do not open a XXXX our savings account will be converted to a regular savings account with numerous fees. I think the bank does not care about loyal customers.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing 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 Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX  Balance : {$6300.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2022-05-04
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: PNC Bank N.A. (GA)

PNC Bank purchased my mortgage from XXXX on XX/XX/XXXX. 
PNC Bank refuses to report my payments ( XXXX XXXX ) to the credit bureaus because I had a bankrupty XX/XX/XXXX. 
I reaffirmed my mortgage and have never been late with any lenders. 

I have been trying to reach my attorney by email and phone but no answers. 
XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Owed : {$0.00}, XXXX XXXX Balance XXXX : {$18000.00}
Consumer complaint received 2022-11-14
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. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXXXXXX 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXXXXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It should be known that at current time TransUnion is reporting incorrect information and or incomplete information that is violating the F.C.R.A. and Due process of federal law which is adversely affecting my credit rating.A dispute was filed and TransUnion denied dispute and verified information on report as accurate and updated the report. A copy of TransUnion report is herein included for review to see errors and discrepancies. The account being reported is from a debt buyer named lvnv under account # XXXX. Said errors or violations are as follows : 1. On report under account type, it shows account is open. This is incorrect and false. XXXX is not a creditor but a Debt buyer. XXXX can not extend credit to anyone. XXXX can not have a open credit type with anyone and should not be reporting any type of account except collections. Further more, I have no agreements with this company either.No collection account should have a account type as open. This is falsely reporting information and should be considered fraud. 2. On this account, lvnv is reporting a balance and past due amount. Any recent balance reported by lvnv is in error. There should be no payment history to report because lvnv is not a creditor. Nor should lvnv be reporting a past due amount because they are not a creditor and can not report a past due or current status. 3.Date opened is missing. 4. Date closed is missing. 5. Date of last activity is missing. 6. Date verified is missing also. Errors 3 through 6 make report incomplete and unverifiable also.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected 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 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In response to my previous complaint the credit bureau advised that the disputed item is updated. However, they did not delete the disputed item which is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXXXXXX XXXX account XXXX Also, Transunion is showing a 30 late payment on XXXX XXXX account XXXX which is incorrect- I have never missed any payment on this account.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

My federal student Loans were XXXX, based on a borrower defense application that was filed in XXXX. My Loans are suppose to be deleted from my credit file, permanently, within 90 days, which will be XX/XX/XXXX. I received an email from the Department of Education stating that my student loans were approved for discharge, then I received an official letter through the mail, stating that my loans were approved for discharge, and that They should be reporting a XXXX balance, or deleted all together, within the next 90 days, as of XX/XX/XXXX. 90 days will be XX/XX/XXXX. When I received the email, I printed it out, sent a letter to my Loan Servicer, and all 3 major credit reporting agencies. The only one that complied was XXXX. Experian, and XXXX, still show balances, and The Loan Servicer, gave me some lame excuse, about not reporting a XXXX balance, as of yet, when I clearly sent them the proof, that my loans should be deleted.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And all soft and hard inquiries removed aswell thanks.

15 u.s.c1681 602 A right to privacy 15 u.s.c 1681604 A agency can not furnish a account without my written instruction.