davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and 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 is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-11-09
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)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

On XXXX XXXX, XXXX, I paid the minimum monthly amount due on my credit card. That date was the deadline. 

The next day, I noticed that Citi had charged a late fee of {$40.00}. I called customer service and, after a long discussion, the bank reversed the charge. However, the agent took the position that the bank had " waived '' the fee as a courtesy. I explained that charging customers late fees when payment was timely was illegitimate. 

My concern is that the practice must be systemic. An investigation is needed.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. 

Account # XXXX has violates my rights. 

15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (ID)

XX/XX/year> : I was informed via credit monitoring via XXXX that an account from Synchrony/Chevron was being reported to XXXX that was showing as over the limit. I created an XXXX account and reviewed the reported line and verified it was indeed appearing on my report and showing over the credit limit. I do not have an account of that type and I am not an authorized user on any account of that type. 

I started a dispute with XXXX for the incorrect line. 

XX/XX/year> : Contacted Synchrony/Chevron and they were able to confirm the existence of the account, but that I have not been affiliated as an authorized user " in years ''. They are unwilling to take any action to remediate the error.
Consumer complaint received 2024-10-18
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. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX - XXXX - account reports last payment as both XX/XX/year> and XX/XX/year>. Inaccurate payment dates ( do not match ) on XXXX, it reports as on time payments, but shows as 120+ days late. Inaccurate reporting. Requested to be fixed but only gets updated.
Consumer complaint received 2024-09-25
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. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-25
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. (NJ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These 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 accounts and collection 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 or collections 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 XXXX 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 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I filed a complaint # : XXXX Bank of America sent me an email following up on this complaint and told me that I had to call them by XX/XX/21. They did not leave a number that works on the voice mail and they did not leave any phone number in the email to contact them. 
There is no department listed at B of A. I can reach to address this issue.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NV)

Barclays card opened an account w my stolen identity. They failed to properly protect me from identity theft. They are reporting their failure card debt and failure to pay on my credit report when they confirmed that it was a case of credit card fraud and identity theft against me. 

Barclays card not moving in a timely manner to correct this issue and their account verification failure.
Consumer complaint received 2024-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 ( private ), XXXX XXXX XXXX XXXX account on XXXX XXXX XXXX XXXX XXXXXXXX on XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXX XXXX. on XXXX XXXXXXXX XXXX XXXXXXXX on XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  on XXXXXXXX XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXXXXXX that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 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 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I opened a checking account online with Citibank on or about XXXX XXXX. I also made transfer from my main bank XXXX XXXXXXXX XXXX for {$25.00}. Also 2 direct deposits were made into the Citibank account via employer payroll. I also deposited a check from my XXXX XXXX account ( check # XXXX ) for {$600.00} into the Citibank account. 

I tried to log in and it wouldnt let me. I called them and they said my account was on hold being investigated and it would be 24-48 hours before reasonable answer they hung up on me. 

Meanwhile I had written a check from that account which will now bounce and cause overdraft fees from my XXXX XXXX XXXX account. Please HELP! I need my money to pay bills. I read there are thousands of similar complaints with Citibank, said it will take about 60 days to get my money back via check from Citibank. I asked why e I can take the freeze off the account. I called back was told my account has been closed by them, no reason given to me
Consumer complaint received 2019-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

I have been dealing with Navient to make student loans payments. Since XXXX I have notified Navient of my correct address. However, as recent as XXXX Navient representatives have indicated they have a separate address that I have never given anyone on any students loan document. How can I know what I am suppose to pay or what should be paid if I have not received proper notice via US Mail or email? This has resulted in loans becoming defaulted and credit score being negatively impacted. On at least two separate occasions ( XXXX and XXXX ) I have provided the correct mailing and email address information to me.
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST ADVANTAGE CORPORATION (FL)

I have noticed hard inquires on my credit report that do not belong to me. I had called XXXX who is handling things on their end and advise for me to contact the company that made the inquire. I have done so, I had called First Advantage/XXXX XXXX along with the company that states I filled out an application XXXX XXXX   XXXX, but passing the buck that I need to contact the other to get this removed. I did not apply at XXXX. It was an error that First Advantage/XXXX  XXXX who put this on my credit report. After speaking with a representative from First Advantage/XXXX XXXX they veified they had the correct location we applied to but also had a 2nd location that was added. I informed the rep we never applied to XXXX she said contact them. I contact XXXX, she said contact First Advantage. Both are passing the buck. 

They also did a hard inquiry 2x on the same location within 8 days of each other. ( see attached ) This is the location where I did apply and move into. I asked to have one removed since they inadvertently inquired 2x for the same location. Only to get push back and them refusing to do so blaming it on the property management. 

You will see in the hard inquire the place I moved to and applied XXXX XXXX and XXXX XXXX  XXXX are 4 days apart, but after review the locations each are 3 hours drive in distance.
Consumer complaint received 2019-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (MI)

XXXX has been paying my insurance and i am not sure how these medical bills went to collection in the first place. I called the hospital and said that XXXX should have paid and they said they would not send to collections. I do not remember who i spoke to though.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

please follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because : XXXX  XXXX open date is not reporting correctly, Date reporting is not reporting correctly Account Rating : Completely incorrect, this account information is not corresponding to me. I had sent letters to the Bureau and I have not received any response and i don't know what else to do. 

Can you look into this matter, please?
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

my billing statement goes from the XXXX to the XXXX of next month, so what im saying is that synchrony bank computer has a glitch to it! lets say my XX/XX/XXXX through XX/XX/XXXX statement is due by XX/XX/XXXX, now if i pay my statement in full on XX/XX/XXXX, and i want to put money towards my next statement say on XX/XX/XXXX their computer sends that payment to the XX/XX/XXXX statement even though that statement is at {$0.00}, and then i pay the XXXX down to XXXX their computer doesn't realize that the payment made on the XXXX went to the wrong statement and it doesn, t know to put that payment to the next statement and by the time they figure it out they have charged me an interest charge when my statement are always paid in full!!! and how long has this been happening over the last 20 years that i have had that credit card??? and its a paypal credit card but the bank they use is syhchrony bank... plz help for i have called them and they won't take the charges off!! and again my statements are always paid in full by the due date! and XXXX statement they charged me {$60.00}, and XXXX statement they charged me {$64.00}, and then i can't get my other statements because the computer says try again later!!!!!!
Consumer complaint received 2023-11-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

CREDENCE - CALLING MY LANDLINE TTY/TDD NUMBER XXXX TIMES TODAY... I RETURNED THE CALL THE XXXX TIME THEY CALLED. 
THEY ARE LOOKING FOR SOMEONE WITH SOME MEDICAL BILL OF $ XXXX. 
THE PERSON THEY ARE LOOKING FOR -- > NO SUCH PERSON AT MY TELEPHONE NUMBER. I'VE SOUNDED LIKE A BROKEN RECORD PLAYER AND I HAD TOLD THEM TO REMOVE MY NUMBER OFF THE LIST. 
THEY MADE PROMISES XXXX TIMES TODAY. 
AND YET, THEY'VE CALLED ME XXXX TIMES! 
XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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. (MI)

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.

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 2019-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC (OH)

I received a notice from Javitch Block LLC saying they were collecting from XXXX XXXX XXXX XXXX. 1. I have never received anything XXXX XXXX 2. They state debt is XXXX the interest is XXXX. The interest is more then half debt listed how can this be is XXXX XXXX XXXX charging interest?
Consumer complaint received 2024-08-20
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: VANDERBILT MORTGAGE & FINANCE, INC (TX)

XXXX is the only agency who holds power over a false 30 day reported payment from Vanderbilt Mortgage. Paid in full XX/XX/XXXX which was alone late showing late XX/XX/XXXX. This account status needs changed to paid in full close never late. XXXX is the only agency who is scamming the American people I have perfect payment history yet companies like XXXX can ruin your life and marriage