davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

I was targeted for an offer to open a Citi Checking account and gain XXXX XXXX  XXXX if I met the requirements. The requirements were to spend {$1000.00} with my debit card and make two direct deposits totaling {$1000.00} or more. The terms clearly say the miles will post to my account within 30 days of completed requirements. 

I opened the account on XX/XX/XXXX, completed all requirements on XX/XX/XXXX and have reached out to Citi twice. They continue to give me the run around and no straight answers. Thanks for looking into this!
Consumer complaint received 2024-03-11
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. (PA)

In early XXXX, I began disputing inaccuracies with XXXX XXXX XXXX XXXX reported on my TransUnion credit report. Despite multiple disputes, including one between XXXX and XX/XX/XXXX, issues persist, notably after a partial information removal by TransUnion. This approach fails to comply with the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and completeness. Specific concerns include contradictory update dates and missing payment history, raising questions about the verification process and report integrity. 

For example, TransUnion 's report shows a " last updated '' date in XX/XX/XXXX, conflicting with a " last payment made '' in XX/XX/XXXX. Additionally, payment histories present in the XX/XX/XXXX report were absent by XX/XX/XXXX, without explanation. Discrepancies extend to account terms incorrectly listed as {$0.00} per month for 72 months, among other issues outlined in the dispute. 

After an initial dispute led to incomplete information removal, I seek a thorough investigation into these inaccuracies by TransUnion and XXXX XXXX. Removal of information without proper correction or update does not fulfill FCRA mandates, potentially harming my credit standing and complicating identity verification. 

I've sent multiple communications, including a certified mail request on XX/XX/XXXX, confirmed delivered but met with unhelpful responses from TransUnion, suggesting additional hoops instead of actionable resolutions. 

This complaint underscores the need for a detailed investigation into the reported inaccuracies, adherence to FCRA standards by TransUnion and XXXX XXXX, and correction or deletion of inaccurately reported information to ensure my credit report 's integrity.
Consumer complaint received 2024-04-30
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. (FL)

I am writing to follow up my previous dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.
Consumer complaint received 2023-11-19
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)

This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit report is frozen I never froze it. I have no credit and only first received an ID XXXX weeks ago. So XXXX not sure why TransUnion has my credit file frozen. I cant apply for an apartment, car or even cell phone. I created a TransUnion consumer account but when I click on freeze it gives me an error. I sent in a request XXXX weeks ago to unfreeze my Transunion file certified mail and I still have a freeze on my credit report. I never requested a freeze, I have no disputes or anything that would cause a freeze. This freeze is causing a domino effect with XXXX and XXXX also.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to follow up for an error on my credit report that I believe violates the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed an inaccurate late payment entry that has negatively impacted my credit score. I have thoroughly reviewed my records and can confirm that I made the payment in the month of XX/XX/2023. My late payment was just the month of XX/XX/2023. Attached are the documents that will prove that you are reporting inaccurate information. It is important to rectify this error promptly to ensure the accuracy of my credit report and to comply with the FCRA.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SOFI TECHNOLOGIES, INC. (WV)

Sofi fraud case ID : XXXX Date filed : XX/XX/XXXX Last valid transaction : XX/XX/XXXX ( payment : {$1200.00} ) Suspected fraudulent activity : XX/XX/XXXX - XX/XX/XXXX Phone number on file is outdated- On XX/XX/XXXX - I called XXXX ( Sofi Customer service line ) - I do not know why it has not been updated. You can check on XX/XX/XXXX at XXXX ( 8 minutes outgoing call ) I have requested to change my phone number from : XXXX to XXXX. See screenshot XX/XX/XXXX I called in with my new phone number as well. So, please check your systems before denying my claim. If you called me anytime after XX/XX/XXXX then I did not receive it. I don't have access to the number ending in XXXX! A letter supposedly written and sent out on XX/XX/XXXX, BUT I didn't even get it until XX/XX/XXXX! Keep in mind, I'm a XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX I'm sorry it took me at least 4 days to get back, but I've tried to respond to it as soon as possible. The letter is attached as a reference. I've sent the requested informations to XXXX but I get no response/confirmation. I have timestamped emails - see screenshots as well. XXXX XXXX, XXXX - I received a letter, supposedly sent on XX/XX/XXXX? Stating that they have completed their investigation and that they have determined the transactions were valid and authorized. I am dumbfounded. Please check your emails - I emailed to the designated email address you have provided in the letters. - I called Sofi Fraudulent department today, they had informed me that they can't disclose any information or details on the case and wanted me to call someone named XXXX XXXX at XXXX for more information on the case. I've done everything I could to help with the investigation. It is Sofi 's responsibilities to keep customer 's information up to date and safe when it is provided to them directly. As a victim of identity theft - I am seriously disheartened how this credit card company is ran and I hope CFPB will be able to help. I'm just one person going against a huge corporation/company like this one. You can see my account is in good standing, I've been paying everything on time and never late payments.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

Equifax is reporting an inaccurate payment history on my consumer report. I have sent multiple letters regarding this matter including a letter asking them to send me their METHOD OF VERIFICATION, they did not send me the method of verification showing that they actually spoke to someone, and they verified that the payment history for the account on my consumer report under MISSISSIPPI DIV OF CHILD is accurate. Equifax keeps sending the same thing claiming that the account is " verified as accurate '', they have also sent a letter back stating that they " could not find my consumer report on file '' even though I have sent in documents proving my identity and residency already. Since Equifax can not give me the proper Method of Verification showing that this account is 100 % accurate according to the FCRA this account should be deleted from my consumer credit file. The payment history is INACCURATE and the other two credit bureaus have deleted this account already.
Consumer complaint received 2024-03-12
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (DE)

I filed a dispute with all three credit bureaus for this payday loan account and has since been sold to a collection agency. The collection agency has posted twice on my credit report. XXXX, XXXX and XXXX are reporting inconsistently. These credit agencies are not complying with their own policies. It is my legal right to dispute reported incomplete and/or inaccurate content.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute the accuracy of the information contained in my credit report. Upon reviewing my credit report, I have identified an account that is inaccurately reported. 

I would like to bring to your attention that the information regarding this account is inaccurate. As a result of these inaccuracies, my creditworthiness has been adversely affected, and I am requesting immediate action to rectify this error.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-08-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (MO)

I have been late making my Harley payment and have been working on catching up over the last few months and even after telling them and confirming a time that I would make the payment, they still call me up to 20 times a day. I work nights and have repeatedly told them that it affects my sleep to the point where it is affecting my job but they continue to call two to three times an hour. Like I said this is after I have talked to an agent and set up payment arrangements.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

i have a chase british airways card. applied and was approved in XX/XX/2024 the annual fee was just charged but not yet due. I recived an email from chase saying the account is being closed with no explanaiton why. I tried to get an explanation and the rep just said they dont have to give a reason. they did remove the annual fee from being due however this card is on my credit report as being closed and has an impact on my credit score. i then told them since they closed the account even before the first annual fee was even made they need to delete the account completly from my credit report. they refused. they wont provide a reason as to why they closed it and refuse to delte the account. so now i have a account with less than 1 month old showing closed. i dont know if they are made a business decision to simply looking to close older americans accounts and hide behind the we dont have to provide a reason why to hide their dieciminatory tactics
Consumer complaint received 2024-04-30
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. (CO)

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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously on several occasions requested a description of the procedure used in investigating these accounts on my credit file but have not received them. This company is violating my rights under 15 U.S.C 1681.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TN)

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2023-04-01
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. (CA)

The company is reporting late payments when they dont have to authorization to report for my credit. Breaking my Fair credit reporting act laws. I do not and have not given consent or authorization to report any payments to my credit report. I am protected by The Dodd-Frank Act as-well. I need these 30 day and 60 day late remarks deleted from my credit as they do not have my consent to report this.. 15 U.S. Code 1681a
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are 6 credit inquiries on my credit that I did not authorize. All the inquiries are auto related. I have not gone auto shopping. The inquiries were on XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

I called the institutions to inquire as to who asked for my credit to be pulled and who authorized as I didn't? 

All the companies told me that they had no record of an account for me and have no record in their system of my name or a credit pull so they couldn't help me. I was directed to call the credit reporting agency. 

I called and one agency told me that only the people that pulled the credit can remove it. The other agency told me that I have to file a report and send into them. This is where I am in the process.
Consumer complaint received 2024-04-30
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)

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 2024-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

On XX/XX/2023 4 separate unauthorized transactions to withdraw money from my Cash App account was initiated, 1 was cancelled, 2 was denied for potential fraud, and 1 was approved, the 1 approved was previously denied.

The 1 that was approved was to XXXX XXXX XXXX which I believe are fake and I have never did any business or authorizations with them.
Consumer complaint received 2023-05-08
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: ENCORE CAPITAL GROUP INC. (CA)

I have never opened a XXXX XXXX account in XXXX. Someone stole my information and opened the account without any of my knowledge. Midland Credit Management wants me to pay back something I never opened. My identity was stolen and I filed a police report.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).