davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (OR)

I noticed a while ago that a collection appeared on my credit report for the amount of XXXX. It is listed as " XXXX XXXX XXXX ''. It indicates the original creditor is " XXXX XXXX XXXX XXXX ''. And it indicates the account was opened on XXXX. I XXXX XXXX XXXX in XX/XX/XXXX and bought XXXX insurance shortly after due to my insurance company being unable to keep me insured due to a ticket. My insurance that indicated they couldn't keep me in was XXXX. Prior to that, I had XXXX for years ( Since at least XXXX ). I actually was involved in a lawsuit that clearly was with XXXX in XXXX following an accident, which I was not at fault for. I am including documents that I found via my email showing my XXXX policy as early as XXXX and my last email from the XXXX which was in XXXX. This means this debt is falsely reporting to my credit that I owe them for a debt that was created in XXXX, and it is past the statute of limitations per WA law which indicates any written contract 6 years is the statute of limitations. However, insurance companies bill on a monthly basis. I simply changed insurance policies and chose not to continue with them, therefore, I will not for insurance I was not actively using and did not pay which resulted in a lapse- not a balance.
Consumer complaint received 2023-03-16
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. (FL)

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.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MO)

I am a victim of Identity Theft. Have had Diamond Preferred card with Citicards for 32 years. Someone used my information and Citicards approved an account. When I learned of this, I contacted Citicards and the Customer Service Supervisor closed my account in error. Language barrier. Representatives do not understand much English. Record states it was " closed at the customer 's request ''. I did not request closure. Citicards refuses to re-open the account or provide another account. Someone at Citicards has changed the name on the account. I contacted a Customer Service Representative in the United States of America, and was told it would go to Remediation for " analysis by high level specialists '' and the account " would be re-opened or they may change cards ''. Today, I was told " The bank will not re-open the account ''.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP (FL)

I have 2 Key XXXX Gift Mastercard issued by Keybank for XXXX and XXXX dollars. respectively. The expiration date on the {$200.00} value card is XX/XX/XXXX and the expiration on the {$50.00} value card is XX/XX/XXXX. 
Both cards were registered on the website with my name and address. 

I attempted to use the cards for an online purchase and was unable to do so. I reached out to on XX/XX/XXXX and spoke to XXXX who checked and said that the cards were inactivated and that I was going to receive a check in the amount of {$250.00} within 30 days. Reference number for the call is XXXX. 

It has been more than 30 days and I still have not received the check from the bank. 

I just called the phone number on the back to the card ( XXXX ) and was informed today, XX/XX/XXXX, that due to inactivity of more than XXXX years, I am not going to receive the balance of {$250.00}, I have the original paperwork that came with the cards and there is no mention of the funds taken away due to inactivity. Both cards are still within date. I would had used them earlier if the information was written clearly. 

I had been saving the cards for a special occasion. 

Please feel free to contact me for additional information. I appreciate any help in this matter. 

Thank you.
Consumer complaint received 2023-03-15
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 submitted a letter to the 3 Credit Bureaus to fix this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 

XXXX  XXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ;
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

First I would like to comment My credit report states that I was late on XX/XX/2022 and XX/XX/2022. I was not late on either month in 2022. 

In XXXX I was injured and I required emergency XXXX on XX/XX/XXXX to repair a XXXX  in my stomach. I made a payment of {$330.00} on the XXXX of XXXX which was {$26.00} less than my actual payment of {$350.00}. I was unable to pay the full payment at the time because I was waiting for my short-term XXXX payments to come in the mail from California. I live in XXXX. They did not put the money in my account. Rather mailed a paper check to me every week. XXXX XXXX XXXX XXXX assessed me a {$17.00} late fee. I paid XXXX on XX/XX/XXXX including {$17.00} late fee along with the {$26.00} remaining payment for my XXXX payment. 

XXXX XXXX XXXX XXXX made an error. Instead of applying XXXX towards the late fee they assessed, they applied it toward interest paid. The {$25.00} was also applied towards interest paid. The credit report states that I am 30 days late {$26.00} in XXXX. I was not 30 days late. 

I was having difficulty with my recovery after the XXXX and in XXXX I made a phone call to let them know that I was having difficulty with my payment because the short-term XXXX insurance company was reinstating my XXXX for an additional XXXX weeks and again it was taking time to process and mail those checks from California. 

I called XXXX XXXX XXXX XXXX on the XXXX day of the cycle. I asked him if there was any opportunity to skip a payment. The representative put me on hold and he returned and said that since I was a good customer and because of my hardship they had a program for me. The representative told me he needed to make a recorded statement of why I needed to skip a payment. The representative put me on hold again. When he returned he told me that the program available for me was to take my XXXX payment splitted into XXXX payments over XXXX, XXXX and XXXX. My payment would go from {$350.00} to XXXX. And my new due date would be on the XXXX of each month for the next 3 months. I was told not to make a payment on the XXXX. After XX/XX/XXXX passed I was assessed a {$17.00} late fee. I made my payment on the XXXX of XXXX as I was told. Because I was a sister {$17.00} late fee. I was very afraid that I was going to be assess this fee every month for the next 3 months. 

XXXX XXXX XXXX XXXX agreed that my due date was XX/XX/XXXX but they charge me a late fee and marked me late anyway. I have always been a good customer and I could not believe that they were treating me like this. If they didn't have a program for me they shouldn't have offered it and if they weren't going to stick with what they promised, they shouldn't have offered it to me. 

I'm trying to purchase a home and this is the only thing on my credit report that is affecting my score and my ability to purchase a home. 
I am a 30 % service connected XXXX veteran.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been brought out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Consumer complaint received 2023-03-16
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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 some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2023-07-25
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. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$8800.00}
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (GA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-02
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. (CT)

I am writing to dispute certain inaccurate information on my credit report provided by Experian. On XX/XX/XXXXXXXX I contacted Experian regarding the following discrepancies but to date, I have not received a response from them. Please consider the following : I dispute the account listed as XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXXXXXX  Balance : {$1400.00} ) because the original creditor is XXXX XXXX XXXX and not the one you have indicated. The balance of {$1400.00} is inaccurate and higher than the amount I believe I owe. I request that you verify the following dates : Date Opened and Date of First Delinquency. 
I dispute the account listed as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ) because the original creditor is XXXXXXXX XXXX XXXX and not XXXX XXXX. The balance of {$570.00} is higher than the amount I owe, and I do not recognize this amount. I request that you verify the following dates : Date Opened and Date of First Delinquency. 
I dispute the account listed as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) because I have never had a contract with them. The original creditor was XXXX XXXX. The balance of {$270.00} is higher than the amount I remember. I request that you verify the following dates : Date Opened, Date of First Delinquency, Date of Status, and First Reported. 
XXXX XXXX XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$520.00} ) was never late. Please update this inaccurate information on my credit report. 
XXXX XXXX XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit  : {$320.00} ) was never late. Please update this inaccurate information on my credit report. 
The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$11000.00} ). Please remove it from my credit report.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (FL)

I mistakenly requested a balance transfer from my Wells Fargo credit card to my XXXX credit card for the amount of {$6000.00}. I meant to transfer a balance from my XXXX credit card into my Wells Fargo credit card of that amount. I attempted to cancel this balance transfer but was unable to do so as the processing began and it could not be canceled. Since there was no balance to pay off on my Wells Fargo account in other words my current balance at the time was {$0.00}. After the balance transfer my account was now negative {$6000.00}. I called Wells Fargo to send me a credit balance refund so they credited the account but they never sent over a check to me in the amount of {$6000.00} so that I could pay back that amount to XXXX. I even called Wells Fargo 's executive department that handles complaints like these and investigates the issue however they were not able to resolve anything so I am still {$6000.00} short. I was responsible to pay a higher balance on my XXXX credit card for a mistaken balance transfer request. In order for XXXX to process a credit refund on my account for {$6000.00} they need me to send them a check from Wells Fargo. I also need a refund of the balance transfer fee of {$300.00} that I was charged by XXXX for this incorrect request which they could only refund me as soon as I send them the {$6000.00}. Wells Fargo has failed to help me resolve this issue. Also, a Wells Fargo representative guaranteed me on a recorded line that I would be receiving a credit balance refund in a form of a check in 7-10 business days from the day I called and requested the refund which was XX/XX/2023. They have still not refunded me that amount.
Consumer complaint received 2023-10-23
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. (GA)

These identity thefts that i have alined are clearly and conspicuously in safeguarding violations to laws 15usc1692, 15usc6802, as well as code 15usc1681b prior to the the new congress laws findings updates for the following laws above. i also am unaware if i am a victim of consumer data breach due to any of the business persons prior to this statement ; that did not have my full disclosures, permissible permissions nor authorization to leak my private information amongst third party consumer reporting agencies which i may repeat is in violations to the codes above which are applicable for my lawsuits.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-02
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. (PA)

TransUnion is continuously furnishing false information to my credit report intentionally tarnishing my reputation. 

On XX/XX/2023 I called TransUnion to inform them XXXX XXXX XXXX account # XXXX ( account ) is a fraudulent account. The agent told me the investigation would be launched into the account and to send in any proof I had. That same day I mailed the company a copy of the original contract, a letter from the XXXX XXXX XXXX stating the original creditor of the account refused to go to arbitration and a letter requesting TransUnion remove this account. 

The account should not be on my credit report. The contract I had with the original creditor is fraudulent. It was altered without my permission and the company is completely ignoring me. They are refusing to go to arbitration and will not answer any correspondence. 

TransUnion did not perform an investigation or reply to my letter. I sent another letter certified USPS mail tracking # XXXX. This letter reiterated everything I had stated on the phone with the agent and everything that was in both letters. See Exhibit A I have yet to receive any response from TransUnion and the account is still on my credit report. I can not find a place to live because of this. TransUnion is causing extreme stress and anxiety. I have no idea what I am going to do or where I will be living soon. 

I have exhausted all options to remedy this with TransUnion without legal measures but it seems I have no choice. This will be my final attempt before proceeding to federal court.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance XXXX : {$1300.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-02
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. (PA)

As a federally protected consumer, Im aware thats youve assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which youve infringed upon without my lawful consent. Pursuant to 15 USC 1681, It is the purpose of the Fair Credit Reporting Act to insure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character!