davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
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: Experian Information Solutions Inc. (NJ)

My name is XXXX 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 2023-08-21
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: Experian Information Solutions Inc. (AL)

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 2023-08-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

I called Citibank at XXXX on XX/XX/XXXX to open an online checking account with the promise of a cash bonus of {$700.00} with a minimum deposit and minimum balance of {$50000.00} in 90 days. This was based on the online advertisement that we needed to open the account by XX/XX/XXXX and deposit the fund in 20 days after the account was opened and maintain the balance for 60 more days. {$50000.00} was deposited on XX/XX/XXXX and we received a bank statement to confirm the deposit. I called Citibank sometime in XX/XX/XXXX to see if they made a mistake in the account type ( Basic Checking vs. Priority Checking ), I was told I would receive {$700.00} under either type of account if I maintained the balance over {$50000.00} for over 60 days after the fund was deposited, which I did. However, I did not receive the {$700.00} by XX/XX/XXXX. I made an online inquiry on XX/XX/XXXX at XXXX regarding the {$700.00} cash bonus that I had not received. I was told that {$700.00} should be available to me by XX/XX/XXXX ( I have the screenshot of the conversation ). On XX/XX/XXXX, I made another online inquiry at XXXX regarding this cash bonus that I still had not received. I was talking to XXXX, who said that she saw the credit of {$700.00} and did not know why the money was not posted to the account ( saved a screenshot of conversation as well ). The dispute was opened and I was asked to wait about 3-5 business days. On XX/XX/XXXX, I made one more online inquiry at XXXX regarding this cash bonus that I still had not received. I was told that it's still under review. I called Citibank @ XXXX on XX/XX/XXXX at XXXX for XXXX minutes. I was told that I should have received the {$700.00} and the case was still under review. On Monday XX/XX/XXXX, I stopped by a Citibank Branch at XXXX and XXXX XXXX, XXXX, XXXX XXXX  XXXX. I was told that they could not do anything since I opened this checking account online. On a letter dated XX/XX/XXXX from Citibank, it said that the Promotion Code XXXX was not offered in conjunction with my checking account. I was puzzled : I called the phone number on the advertisement and asked the bank representative to open a checking account for me on XX/XX/XXXX so I could receive the {$700.00} bonus. Now, I was told that the account the bank opened for me did not qualify for this promotion. I got punished for an error that was made by a Citibank representative. For months, we were told not to worry and that we would receive the cash bonus after they mix their internal mistake. I have been lied to/misled by Citibank for almost 8 months without paying me a dime for interest. I had to close my account with CitiBank on XX/XX/XXXX after I transferred out all the money. It's a super unpleasant experience being robbed by Citibank - stealing {$700.00} from me, a medical student. I wanted other potential customers to know about my experience with Citibank.
Consumer complaint received 2023-08-20
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: Experian Information Solutions Inc. (GA)

by law, under the FDCPA, a credit reporting agency must make sure, without a shadow of a doubt, that ALL information being reported is accurate and precise so that the consumer is being protected and provided for. my information is private and is NOT TO BE SHARED unless i consent to it!! In order for any consumer reporting agency or 3rd party debt collector to use ANY of my private information, they must have several things on file ( 1 ) MY WRITTEN CONSENT SIGNED AND DATED ( 2 ) AN SSA 89 FORM ( 3 ) THE CONSENT FOR RELEASE OF INFORMATION FORM and the DEED OF ASSIGNMENT, also the FULL ACCOUNTING FROM BEGINNING TO END OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE AND NOT SOME STATEMENTS OF ALL VITAL INFO. IDENTITY THEFT HAS BEEN COMMITTED AND FALSE REPORTING WITH MULTIPLE LAWFUL VIOLATIONS. just a few for complete clarity ; 15 usc 6801, 6802 and 6803. probably the most important statement in this correspondence is MY WRITTEN CONSENT and 15 usc 1681 ( c ) -2, IDENTITY THEFT. Everything pertaining to credit worthiness is centered around the Social Security Number, so in conclusion the Social Security Administration governs my information according to the 2 items i specified above and Congress governs ALL LAW
Consumer complaint received 2023-08-30
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. (OH)

I've been tirelessly attempting to rectify a fraudulent account linked to XXXX XXXX  on my credit report, to no avail. This account is not associated with me. Despite numerous phone calls, letters, and other efforts spanning several months, XXXX XXXX  remains unresponsive to the grave error of an unauthorized credit card appearing on my report. This oversight has adversely affected my XXXX XXXX to the point where I'm unable to secure a home. 

It's disheartening to witness large corporations seemingly overlooking the concerns of individual consumers. I earnestly hope the CFPB can intervene to correct this mistake, allowing me to move forward in my life. The apparent oversight on XXXX XXXXXXXX XXXX part has significant repercussions on my credit health. Given that my attempts to communicate with XXXX XXXX  have been unproductive, I believe that seeking the CFPB 's assistance might be my only recourse.
Consumer complaint received 2023-08-30
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. (PA)

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 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
Consumer complaint received 2023-10-27
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. (GA)

I have complained over and over to Experian about " XXXX XXXX ''. They are illegally furnishing TWO inaccurate accounts on my credit file that I have disputed several times. You have and are continuing to violate the FAIR CREDIT REPORTING ACT pursuant 15 U.S. Code 1681 ( i ). I NEVER gave your company consent to your company making a credit report on me, ( XXXX XXXX XXXX XXXX ( b ) ( XXXX ) Your company ASSUMED I wanted one and now you are refusing to remove, correct and delete the inaccurate ( 15 U.S. Code 1681 ( a ) ( 1 ) information being reported on me. Fair access to credit is crucially important for building wealth and strengthening household financial stability and I have been stripped of that right because you refuse to report accurate or fair and report maximum possible accuracy on my report. I am not seeking redress for the time I have had to continue to fight this issue. The next complaint will be a lawsuit. Do what you are suppose to do and remove these inaccurate items today!
Consumer complaint received 2023-08-20
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: Experian Information Solutions Inc. (AZ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-08-13
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. (OH)

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report XXXX  months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXXL XXXX XX/XX/XXXX {$150000.00} **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-20
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. (OK)

Account reporting to TransUnion XXXX XXXX, XXXX XXXX XXXX has reported fraudulent information to my credit report since XXXX Formerly known as XXXX XXXX XXXX committed illegal activity with illegal repossession and continued to collect payments. Account has not been removed from credit reports with incorrect report information according to FCRA section 609, 611 and 623.

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer.

( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if
Consumer complaint received 2023-08-20
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. (MA)

XXXX XXXX is reporting an account on my credit report inaccurately, the account number is XXXX and this is on all 3 credit reporting agencies. Experian, XXXX and XXXX, before the account became a charge off, my credit limit was {$2500.00} and as of today, XXXX XXXX is reporting on my 3 credit reports that I owe them {$3100.00}. I do not owe XXXX XXXX {$3100.00}, again, my credit limit was {$2500.00}, they just added so many fees to the account to make it balloon up even higher, this is a misrepresentation of myself by XXXX XXXX  I do not find it fair or correct that XXXX XXXX is able to report this inaccurate information on my credit reports and the credit bureaus allow this type of behavior to happen. The FCRA states that 15 U.S. Code 1681 ( b ) all information on a consumers credit report has to be 100 % accurate. I did not spend that amount on this account.
Consumer complaint received 2023-07-19
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. (VA)

I have contacted XXXX  several times have sent certified letters about all the collections an hard inquiry on my account I have ask the to delete these accounts several times because of there improper investigations they did not investigation properly so I need everything thing deleted immediately .Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma (OK)

my account was compromised and multiple external banks withdrew almost XXXX  dollars from my account. Credit karma said that I was the one to take the money. They Keep proceeding to decline my dispute and me and my kids are suffering. i dont have a job and that was my college fund money. please help.
Consumer complaint received 2023-07-06
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: EdFinancial Services (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' EDFINANCIAL SERVICES L Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by me THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

First of all, this account is reporting me twice in my credit report with different names, seriously affecting my credit history. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

This account presents inaccuracies in the 3 most important credit reports, giving a report only in XXXX. 

This account was disputed with your agencies in the past due to a charge that they generated for something that did not correspond to me giving an extremely high amount, which I do not recognize from this account at all. 

Attached you will find all the information corresponding to this dispute. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible.
Consumer complaint received 2023-07-06
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)

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 these items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-20
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: Experian Information Solutions Inc. (GA)

I wrote a letter about false information on my credit report and more than 45 days later I still havent heard anything back. I think my complaint is being disregarded and that I am being victimized. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations. within 30 days is cause for immediate removal of all those allegations from my credit report. Given that it has been more than 60 days, they should probably be deleted. I demand that this account be terminated right away or else I pursue you for the anguish you put all my life. The Experian Data breach exposed my information well as, and is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 1 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.