davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXXXXXX THE HOME DEPOT/CITIBANK XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XX/XX/2024 Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company name for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-01-30
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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of fraudulent information reporting and I am filing this complaint to CAPITAL ONE. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-06-21
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. (NV)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NH)

I have called the company three times in XXXXXXXX XXXX. I have written to Comenity Bank via their website three times in XXXX, XXXX. I have not received any requested documentation of length of time of inactivity that would trigger an account closing and forfeiture of XXXX points valued at over {$1000.00} in XXXX XXXX. I requested a copy of the letter that the company reportedly sent to notify me of impending closure of account. I signed up for electronic notifications via email and text messaging and have no record of any communication from Comenity to notify me of closure of account. I documented numerous emails that were exchanged between Comenity and myself with problems with their website in redeeming XXXX XXXX. After charging {$9600.00} on the XXXX XXXX XXXX  to obtain specific rewards, and then being unable to redeem rewards on numerous attempts, I curtailed purchasing on the card knowing that points would not expire for XXXX  years per credit card agreement. I have requested that my points be restored and my credit card reinstated. Comenity has suggested I re-apply for their credit card, but my points won't be given back. This is an unacceptable proposed solution.
Consumer complaint received 2024-05-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (OH)

i have been a victim of idientity theft the person using my socail security, my name and address lives in XXXX, i have contacted this collector which they requested i send all the needed documents which i have done so all my id, police report, leases, an affidavit, the idientity.gov attetation, but this debt collector has review my document and rejected it without sending me any letter i have provided everything that shows am innocent i cant do anything now, my life is a mess XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant even buy a car for me and my kids. i have provided evrything, a letter, prove of lease that i was staying in ohio
Consumer complaint received 2024-05-31
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: RFNA, LP (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-16
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. (NY)

I place a dispute of the balance stated on a mortgage account. I received an email at XXXXXXXX XXXX stating that my dispute was open and a second email at XXXXXXXX XXXX stating that the dispute was completed. The website stated that the information was updated, however, the before and after information were exactly the same, with both data last updated on XX/XX/year>. Today is XX/XX/year>. Therefore, no investigation took place. Experian pretends to investigate issues with information contained on credit reports, but does not actually do so.
Consumer complaint received 2024-05-31
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: FIRST PORTFOLIO SERVICING INC (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-19
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. (GA)

I'm setting up to bestow my apprehension concerning the tested accounts on my credit report. On different occasions, I have raised the issue of misunderstandings in these records, and have constantly referred to that they be by and large broke down. Despite my endeavors, I before long evidently can't get any goal or mending activity. These off-base records are truly harming my credit report and discouraging my capacity to go on with a typical life. The hostile consequences of these missteps have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with checking on what's happening at the earliest entryway. I mindfully demand that you direct an exhaustive evaluation concerning the essential of these tested records. It is fundamental that the crucial advances are taken to empower and change my credit report right away. With your assistance, I need to reestablish the accuracy and conventionality of my credit record so I could recover command over my monetary flourishing. I truly encourage you to offer this matter your generally ridiculous idea and make an expedient move. Your organized exertion and moving in settling this issue quickly would be hugely significant. XXXX to you right off the bat for your comprehension and help.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 informationisinaccurate.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Consumer complaint received 2024-08-19
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. (NV)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-31
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: ASSOCIATED BANC-CORP (WI)

How can our Government rate its USA citizens and give everyone a " Fake Credit Rating '' It's unconstitutional to DENY ANY CREDIT ... LOOK UP THE LAWS ... most US citizens don't no this... but it is... Especially when our government is Trizillions in Debt... they got the nerve to rate a tax payer?!! Friend it's a Joke ..... I'm so irritated I can't file bankruptcy because when I try they say there's nothing on my credit report... but when I try to get a loan it's denied because of a " fake credit rating '' our XXXX government allows you ppl to use ... XXXX XXXXM GOUNG TO TAKE THIS PAPER I GOT FROM THE BANK DENIAL TO COURT N OUR XXXX XXXX N THE OTHER 2 USELESS COMPANIES TO AND FILE SUIT ..THEN MAKE THEM PROVE WHY IM DENIED THEM THERE XXXX CAN GO TO XXXX COURT N STRAIGHTEN MY STUFF THERE..52 YRS OLD AND THERE STILL XXXX WITH ME ..IM FED THE XXXX  UP
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

It i have been a victim of identity theft and have tried to reconcile this issue with your company more than once, The only outcome i have received from you is that this accounts was opened by me. This is very unsettling and illegal, please be advised that disregarding this means that you can be subject to a {$5000.00} fine and/ or litigation for not reserving my rights under U.C.C 1-308.4 ( i am reserving my rights under U.C.C 1-308.4 not to be compelled to perform under any contract or commercial agreement that i did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact commercial agreement. I have a right to sue you under the common law for violating my rights under the UCC )
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: NAVY FEDERAL CREDIT UNION (NC)

I was robbed and assaulted which I have a police report for. When I finally recovered I noticed the thieves order the credit card on my account and other things. I called the bank I tried to speak with them about this matter but they were not understanding. I Have files and proof for this incident.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Experien breached my information which is a violation of my rights. They sent me information stating it was breached and I would like all negative information removed from my credit report and to be compensated for the breach.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NV)

In accordance with the Fair Credit Reporting act, Affirm XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section XXXX ( a ). 15 U.S.C 1681 XXXX. XXXX ( a ) states I have the right to privacy. 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ) also states that a consumer reporting agency may not furnish an account without my written instructions. I am hereby exercising my rights to privacy and request for the referenced accounts ; Loan ID : XXXX, Loan ID : XXXX, to be immediately removed from all credit bureaus and agencies. 

I am also requesting the minimum violation amount that I am legally entitled to of {$1000.00} for such violations for each infraction bringing the total sum amount of {$2000.00}.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I've tried to contact Bureaus but they didnt act with my complaint. Ive disputed the following accounts because it was unathorized. It really affect my lifestyle and credit score. Remove immediately the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

There are XXXX Loans on my report that are not 100 % accurate. These are continuing to report on my credit report in violation of the FCRA. I am being ignore as a consumer and now my report keeps showing this false information.
Consumer complaint received 2024-05-31
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ray Klein, Inc. (OR)

Unfortunately I do not have any documentation regarding thus issue. And have already begun a payment plan with the professional credit service. Around the month of XX/XX/year> I was working at XXXX XXXX XXXX XXXX XXXX and my employer received a garnish notification that my wages are going to be garnished unless I take action. This was the first and only way I found out about said debt collection. The company is ( PROFESSIONAL CREDIT SERV ) as displayed on my XXXX XXXX  app, I believe based out of Wyoming? Out of fear for my wages to get garnished I called them and they said that I will be having my checks garnished if I don't start making payments. So I did and still do. I'm XXXX and literally have a luck of a clue as to what credit is and all it's works, and am just paying this place monthly out of fear for my wages to get garnished.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AR)

Synchrony Bank closed out my {$13000.00} CareCredit credit card. All of my information on file at XXXX, XXXX and XXXX 100 % matched what was used to apply and be approved for this credit card. I had to verify over the phone and send my photo ID with Synchrony Bank first and foremost before my application was even approved. My credit reports can collaborate and verify this as facts.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CL Holdings LLC (FL)

Name company     amount       date
           
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Jefferson capital  system 
                                   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRY : XXXX XX/XX/2023
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-01-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I dispute the inaccurate information regarding a late account on my credit report with Despite contacting the bank, they can not provide records but have verbally committed to a positive update on the report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Inaccurate Information : XX/XX/XXXX, XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I RECENTLY GOT DENIED FOR A MORTGAGE LOAN BECAUSE I WAS INFORMED I HAD LATE PAYMENTS WHEN IN FACT I DO NOT AND WAS NEVER LATE ON ANY ACCOUNT THAT I EVER OPENED. MY CREDIT REPORT IS HIGHLY INACCURATE AND NEEDS TO BE FIXED IMMEDIATELY SO I CAN TAKE CARE OF MY FAMILY AND GET THEM A HOME. I AM BEING TREATED UNFAIRLY AND MY CREDIT REPORT AND CREDIT FILE BEING INACCURATE IS RUINING MY LIFE. I NEED THESE ACCOUNTS UPDATED TO PAID AS AGREED FOR THE DURATION OF MY ACCOUNT. I WAS NEVER LATE. MY IDENTIFICATION DOCUMENTS HAVE BEEN ATTACHED TO MY LETTERS AND THIS WAS NOT DONE IN ERROR