davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (PA)

Since XXXX I have been calling Chimr at XXXX to advise my my pay feature is not showing in my app although i am eligible and once had access. They stated an error needed fix and promised XXXX plus times to fix it and have never fixed it nor had anyone follow up with me. This is unethical business practice and im quite frankly tired of calling these people
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to contest the presence of an unauthorized accounts on my credit report, as provided by your bureau. Upon thorough examination of my credit report, I unearthed the accounts that I firmly believe is the product of identity theft. 

I have been made aware that other credit bureaus have already expunged these fraudulent accounts from their records. This raises significant concerns regarding the acuracy and timeliness of your bureau 's reporting practices. Despite my proactive efforts to address these issues, the account persists on my credit report under your bureau 's reporting. 

To bolster my claim, I have filed a formal complaint with the XXXX XXXX XXXX XXXX XXXX XXXX and have furnished the bank with documentation regarding the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and expunge the fraudulent accounts from my credit report. 

I anticipate receiving a written confirmation detailing the completion of your investigation and the removal of the fraudulent accounts from my credit report. Furthermore, I request an updated credit report reflecting the necessary corrections. 
The specific accounts in question is as follows : 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 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

While shopping for XXXX XXXX online on XX/XX/XXXX, I believed I was on the company website and entered my credit card information to purchase shoes. However the transaction was 'declined ' as were several later attempts with other credit cards. I contacted the official XXXX company customer support and was informed I had been shopping on a fraudulent website. I immediately contacted Citibank MasterCard about the fraudulent website and was told to wait and see if any fraud charges occur.

No fraudulent charges appeared until I checked the account on XX/XX/XXXX and discovered ( without notice from Citibank ) XXXX fraud charges for {$19.00} each ( a few for less than {$10.00} ) that total {$9600.00} from XXXX XXXX in XXXX, XXXX posted on XX/XX/XXXX and XXXX. 

I immediately contacted Citibank Fraud Department and I spend an hour with the representative as she registered each transaction as disputed and also sent a new card. I explained the situation and said I did not recognize XXXX XXXX, never ordered anything from them and never received anything from them. 

After XXXX very long phone discussions in XXXX with numerous Citibank representatives we could not obtain further information on the investigation other than 'in process ' and it may take XXXX to XXXX billing cycles to complete. 

On XX/XX/XXXX, I discovered the investigation had concluded with no fraud found and I was responsible for {$9600.00} ( after XXXX transaction for {$19.00} was closed in XXXX with a credit to my account ). I was told since I had given my card information to the merchant and therefore it was not fraud and I was responsible. I repeatedly told Citibank that I had NOT provided my card information to the merchant but I could get no further resolution nor explanation as to when this was decided and how could I appeal this erroneous decision.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TN)

[ CITIGROUP INC. ] [ Citibank , N.A . Depositary Receipt Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ] NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, IN REGARDS TO CITICARDS CBNA Account XXXX I am writing to notify you of a serious violation of my consumer rights by your institution. It has come to my attention that you have furnished my nonpublic personal information to third parties credit reporting agencies including [ XXXX, XXXX, XXXX ] without my explicit permission, thereby breaching the confidentiality and trust that should be upheld in our business relationship. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I demand that you cease and desist from further disclosing my personal information without my consent. 

Furthermore, I hold your institution liable for any damages that may have resulted from this violation, including but not limited to harm to my credit report. As such, I hereby demand compensation of {$1000.00} for each violation and adverse effects on my creditworthiness and financial standing. 

Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a response from your institution within 10 Business days confirming that corrective measures have been taken and providing details of any restitution offered. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Ive summated several documents to this company letting them know that the information is wrong and I did not give anyone permission to use my information nor did I give TransUnion Written consent or permission to furnish any of that info on my credit report. 

Nor have transunion or XXXX even Marked the response of my dispute in there system, its like it never happened and only when I call, and when I talk to customer service Transunion tell me they not doing anything about my dispute because they believe it was sent through a 3 party witch I didn't and ive told them that and have repeatedly sent several documents with ID, Proof of address and even sent in a FTC report. still no help its been months Ive talk to supervisor at XXXX let him know that ive called sent letters and he and have been trying to get these inquiries off for over an year and he Immediately apologize and said that the situation will be fixed immediately and I had nothing to worry about its been over an months since that conversation and still no avail.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (MO)

This company sent me letters and I have never heard of them before. When I have sent them the letter below, which includes the law, they totally ignore what I'm saying and just resend the same exact information as before. They do not appear to want to adhere to the law. I sent this company this letter- which was the 2nd Notice dated XX/XX/2023 and they still have not done anything to get this off my credit as it is illegal. 

YOU ARE REQUIRED BY LAW UNDER THE FCRA that any and all accounts which are in your system regarding XXXX XXXX XXXX are fraudulent. There is no contract or application with you and pursuant to the Fair Credit Reporting Act, a contract/application between both parties must be in place in order for anything to be reported to a credit bureau XXXX 

609. Disclosure to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) Summary of rights to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section.

( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 306 or can not be verified.

( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.

You have NOT provided me a copy of ANY ORIGINAL DOCUMENTATION REQUIRED WITH MY SIGNATURE ON IT, NO CONTRACT BETWEEN MYSELF AND YOU. Under Section 311 ( 5 ) ( A ) of the FCRA you are required to provide this to me!

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

AS YOU STATED IN YOUR LETTER, YOU ARE NOT AN ENTITY WHICH HOLDS A CONTRACT WITH ME. I DO NOT HAVE A CONTRACT WITH YOU. BY LAW, YOU ARE REQUIRED TO REMOVE ALL CLAIM TO ANY DEBT FROM MY CREDIT ACCOUNT. THERE IS NO VERIFICATION OF AN ACCOUNT WITH YOU IN THE PACKAGE YOU SENT TO ME. YOU CLEARLY STATE YOU ARE A DEBT COLLECTOR AND I HAVE NO CONTRACT WITH ANY SUCH COMPANY.

It is imperative you inform all Credit Bureaus XXXX, XXXX and XXXX immediately! 

This is still on my Credit Report with nothing being done about it by the Bureaus or by the company that is fraudulently reporting something that is absolutely false.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (MO)

This company sent me letters and I have never heard of them before. When I have sent them the letter below, which includes the law, they totally ignore what I'm saying and just resend the same exact information as before. They do not appear to want to adhere to the law. I sent this company this letter- which was the 2nd Notice dated XX/XX/2023 and they still have not done anything to get this off my credit as it is illegal. 

YOU ARE REQUIRED BY LAW UNDER THE FCRA that any and all accounts which are in your system regarding XXXX XXXX XXXX are fraudulent. There is no contract or application with you and pursuant to the Fair Credit Reporting Act, a contract/application between both parties must be in place in order for anything to be reported to a credit bureau XXXX 

609. Disclosure to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) Summary of rights to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section.

( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 306 or can not be verified.

( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.

You have NOT provided me a copy of ANY ORIGINAL DOCUMENTATION REQUIRED WITH MY SIGNATURE ON IT, NO CONTRACT BETWEEN MYSELF AND YOU. Under Section 311 ( 5 ) ( A ) of the FCRA you are required to provide this to me!

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

AS YOU STATED IN YOUR LETTER, YOU ARE NOT AN ENTITY WHICH HOLDS A CONTRACT WITH ME. I DO NOT HAVE A CONTRACT WITH YOU. BY LAW, YOU ARE REQUIRED TO REMOVE ALL CLAIM TO ANY DEBT FROM MY CREDIT ACCOUNT. THERE IS NO VERIFICATION OF AN ACCOUNT WITH YOU IN THE PACKAGE YOU SENT TO ME. YOU CLEARLY STATE YOU ARE A DEBT COLLECTOR AND I HAVE NO CONTRACT WITH ANY SUCH COMPANY. 

It is imperative you inform all Credit Bureaus XXXX, XXXX and XXXX immediately! 

This is still on my Credit Report with nothing being done about it by the Bureaus or by the company that is fraudulently reporting something that is absolutely false.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-10
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. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

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 the 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 that 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

I saw that this company that I have never had any dealings with Rent Recovery Solutions on my credit report. I sent a debt validation letter via certified letter on XX/XX/2024 and another Debt validation letter via the companies email ( XXXX ) on XX/XX/2024. The company received the letter on XX/XX/2024. They sent me information via mail but the information that was received was not VALIDATION on the debt. I reported to XXXX  and the companies response was their lawyers have viewed the information and stated its correct. Thats where Im confused at I specifically asked for information to Validate the debt not what your lawyers think. If you are not able to send the requested information you must stop the negative reporting on my credit report. Per the Fair Debt Collection Practices Act, 15 USC 1692g you have not met this. I ask that this be removed from my credit report immediately and remind them that its a {$1000.00} fine per violation of consumer rights. I have attached the information they sent to me to validate the debt and also the debt validation letter I sent them via email with the information that was requested and not received.
Consumer complaint received 2024-03-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (OH)

I am a member of the XXXX v XXXX XXXX XXXX XXXX. I was supposed to have full settlement relief by XX/XX/year> and I still have not received a refund or even been able to get Nelnet to confirm the amount. I openened a complaint with the Nelnet ombudsman group on XX/XX/year> and they have been " escalating '' ever since with no answer. I recently spoke to the ombudsman on XX/XX/year> and they indicated that the original escalation was closed because I was not owed a refund because they stated i have not made payments to nelnet which is not relevant because i made all my payments to a previous loan servicer ( fedloan ) which they agreed to take my account from during the payment pause and they confirmed they have the payment history. The ombudsman confirmed I am owed a refund and even stated they do not understand why the processing dept is not doing the work. They indicated they have escalated to their manager many times and are veing ignored internally. I am owed at least {$33000.00} and still can not get confirmation of the refund amount from nelnet and that they are actually processing it to sent to the treasury dept and they are XXXX weeks past the court ordered deadline. There is nothing to figure out at this point so I want to know why they are refusing to do the work and respond to the countless escalations from their own ombudsman group.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Hello im a victim of the XXXX data breach and all of my three bureaus credut information is tainted and tamper with. XXXX did correct the information but now it seems like all of the fraudulent and incorrect information has made its way back onto my report. Experian and XXXX never address or fixed the matter and this is hurting my everyday way of living. This is not only hurting me but its hurting my family. Please contact all three bureaus to address this in a timely manner and remove everything since none of this is validated and corrected
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/year>, Synchrony Bank lowered the credit limit on my Lowes credit card from {$20000.00} down to {$1500.00}. Then on XX/XX/year>, they closed my Lowes credit card. Both actions were done without any warning and in a span of just 3 days from each other. 

When I called Lowes on XX/XX/year>, spoke with supervisor XXXX, ID # XXXX, and asked him why first slash the credit limit like that and then close the account 3 days later, he told me that : 1 ) Both decisions ( to lower credit limit and to close the account due to inactivity ) were fully automated, without any human review, decision or approval ; 2 ) These decisions can not be reversed no matter what.

I feel that the practice of lowering the credit line due to inactivity and then closing the account due to inactivity 3 days later with no warning, is highly deceptive. This is because, after I saw the credit line decrease via my own credit monitoring, I was deceived by it into thinking that the " action due to inactivity '' has already been completed, and that now I have a few weeks or months to use the card again to show activity. I was in fact planning to use the card in a few days to purchase some filters for my furnace. I could not have possibly expected that my account of 13 years with perfect payment history would be abruptly closed 3 days later. 

I also feel that it is not right to entrust such decisions that can result in damaging one 's credit history to an automated system- without any human review! - and then to advise that the decisions taken by said automated system without any human review can not be reversed no matter what.