davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MN)

My Citi Bank credit card has a rewards program. I have used this program many times to purchase gift cards with my rewards points. I suddenly have no access to my rewards points. I can log into my Citi Bank card just fine, but when I try to access my rewards points, I can not. I have been on the phone with Citi Bank many times. They try to help me and when they can't, they transfer me to someone else. XXXX  now I have been transferred to someone who goes through the same exact steps as everyone has before and when they realize they are having problems, too, they give me a ticket number and say it will go to the technical issue department. But no one calls me back and when I call they tell they can not see any sign that a ticket has been established. This has gone on for over a month!! I really don't know who to turn to but CFPB. Please help me. This should be a simple problem to resolve - I just want to get into my account! This company is so difficult to contact! It's very, very frustrating the way these companies make it so difficult to resolve a problem. Thanks
Consumer complaint received 2024-06-01
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. (FL)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX  fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX. fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (CA)

I have a credit account showing on my credit report from Target. This account is erroneous. I have disputed this account multiple times with the credit bureaus. Each attempt was unsuccessful. I contacted Target by means of phone calls and written communication multiple times in an attempt to correct this incorrect mark. I had requested detailed information in writing to show how this could have ended up in my name. I had received nothing from the creditor nor any assistance at all. 

This erroneous account has negatively impacted my credit score, effecting my financial standing and overall well-being. I am trying to buy a home and this incorrect information is causing my family great distress. 

Due to Target, nor the credit bureaus willingness to assist with this problem, I am requesting an investigation by CFPB. I feel this is a grave violation of my rights.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

On XX/XX/year> Unauthorized, Suspicious and Fraudulent activity was detected by the Credit Bureaus, indicating that the company was reporting false information and monthly inquiry my credit profile without my consent and authorization, This company was reporting an address that is not related to me. This company was reporting a debt that is result of Identity Theft due to XXXX XXXX XXXX. The activity indicates that this company is performing a fraudulent scheme along with others XXXX parties companies.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (MS)

I need to re-document and refile this grumbling to NATLCRSYS. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2024-08-15
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXXXXXX Balanced {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
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. (CA)

I have sent many prior requests to your company to reinvestigate these inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the company listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (NC)

I sent a letter to Professional Finance company INC to validate an alleged debt, I requested per XXXX A copy of my signature of the alleged claim to release this information to them. They never provided me with my signature which goes against XXXX, they also disclosed a Procedure code in - nature of alleged treatment, which is a DIRECT violation of XXXX. Also the Amount of the alleged debt reports as {$610.00} and they validated a debt of {$670.00} which is different then what is actually being reported
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXXXXXX Balanced {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA Federal Savings Bank is causing my Korean wife and I multiple problems with harassing false fraud reporting in banking and credit card use and multiple intentional errors in setting up joint CD accounts, and locking up our accounts.This past month our account has been locked up 3 times, XXXX for alleged fraud banking and twice for alleged fraud credit card usage. All notifications are by a telephonic computer voice that gives only their limited choices in responses and refuses to connect me to a live person. XXXX times Ive had to spend XXXX minutes being bounced around to multiple people to unlock our accounts. Twice while my wife made a purchase at a second store forcing her to use cash. They also locked our banking accounts when I made several deposits and made several harassing errors when I telephonically set up a new CD account. They refused to make my account a joint account with my wife and withheld 24 % federal tax when I specifically told their representative to not withhold tax. Last week a friend who is a USAA member, also with a Korean wife, had his accounts froze for alleged fraud. I am a retired XXXX XXXX and have been a USAA customer for 51 years. This harassment is unacceptable and impossible for my Korean wife of 40 years to fix, and very harassing and embarrassing to me to fix and explain to my wife why we are being singled out for this treatment especially when we have several XXXX XXXX in USAA Savings Bank. I believe this is some sort of institutional harassment against bi-racial couples.
Consumer complaint received 2024-08-15
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION (VA)

I would like to request an additional modification application appeal with truist mortgage they continue to ignore the liens from the IRS because they want to deny the modification or a potential repayment plan because of some liens that are on my property search from a failed business and the IRS put liens attached and to my property but this has nothing to do with the mortgage and me getting a payment assistance because the liens are not going anywhere so I offered to do a Irs subordination agreement but truist mortgage will not cooperate with the IRS and abide by the subordination agreement and I have submitted this information like a total of four times so I need truist to understand that they have to use the coordination agreement in in order to give me the modification and theres no way that the title can be clean to get a modification because these are IRS tax liens from a failed business and I am currently going through a Investigation with the IRS and the Dept Of Justice for the tax liens and the failed business balance from the IRS so I just need truist bank mortgage to understand that they need to cooperate and accept the subordination agreement and provide the required documents to the IRS so they can approve the subordination agreement.
Consumer complaint received 2024-06-18
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: FIFTH THIRD FINANCIAL CORPORATION (TX)

XX/XX/year>. XXXX. Bank sent email saying my contact number changed. I didn't change anything. XXXX Mortgage employees sent email saying they need payment. I have sent information to XXXX XXXX XXXX XXXX loan land theft XXXX XXXX XXXX Missouri. XX/XX/year> XXXX XXXX and another man practicing here in XXXX Texas. At XXXX location I just rented. I contact XXXXXXXX XXXX in Ohio to explain the Theft of my assets in XXXX Texas and XXXX. XX/XX/year> the XXXX Tx XXXX harassment. Even after XXXXXXXX XXXX  clarification of investigation for me to get them receipts. I am not married to Anyone in XXXX XXXX. XXXX XXXX I don't know him. We don't have church business together. We never worked together in XXXX XXXX XXXX. I don't know why ,53. BankXXXX XXXX XXXX, XXXX XXXX XXXX XXXX to allow XXXX XXXX and other clowns to steal my information and play with my business investment. Please do something XXXX XXXX I met in XXXX  We never had any money transfer or investment in my XXXX XXXX XXXX here in XXXX. These are the only ones I am aware of that have done sorcery here where I am. If the people in this area I am currently. Contacted these clowns then please look into bank robberies here in this area. I have not used my credit card or anything else yet. Please help me.
Consumer complaint received 2024-06-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Good morning, I have 2 missed payments shown on my credit report for my USAA Auto Loan. I thought I had paid it, but if I was truly late, is there any way to remove those two impacts on my credit report? 

I am trying to rent my own apartment, and it's my credit history that is jeopardizing that for me. I really hope that you all can help me with this situation. 

Thank you so much! 

Payments missed : XX/XX/XXXX and XX/XX/XXXX. 

I am currently in good standing with my auto loan. I pay before the due date and have a stable great job where I am now able to pay down my loans. 

USAA XXXX : USAA FED SVG BK- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ) XXXX This will honestly help me so much! 

Thank you tons!!
Consumer complaint received 2024-08-15
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)

Regardless of the multiple written requests, the items listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/year> I requested for this information to be deleted due to Identity Theft. This account came back verified by XXXX. Predator violates 15 US Code 1681c. Section ( e ) states shall not prohibit the disclosure of nonpublic personal information. Predator also violates 15 USC 1681a2 by furnishing accounts to my report without my written permission. Please remove this information of my report before I seek litigation.
Consumer complaint received 2024-08-15
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. (FL)

XXXX XXXXXXXX XXXX  - missed payment ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) XXXX XXXXXXXX XXXX - missed payment ( XXXX, XXXX, XXXX, XX/XX/XXXX ) XXXX XXXX XXXX - missed payment ( XX/XX/XXXX ) According to 15 U.S. Code 1681a D section 2 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] This transaction history should NOT be apart of my credit report by LAW! I did not authorize this!
Consumer complaint received 2024-08-15
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. (TX)

The alleged debt is false and inaccurate. The balance due on the account was NOT, at any moment, the amount that is being reported by the credit bureaus. Please DELETE this account from my credit report, as it is an FCRA violation to report inaccurate and false information.
Consumer complaint received 2024-07-05
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. (TN)

This is my fourth 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX