davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-08
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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 2023-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XX/XX/2023 53rd bank They closed my account at {$490000.00} when I deposited {$9300.00} on XX/XX/XXXX. And when ask why they told me it's because it's what they do.
Consumer complaint received 2023-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2023, I disputed several negative items on my Equifax credit report via certified mail. On XX/XX/2023 Equifax received and signed the documentation acknowledging that it was delivered. Its been 30 days since the disputed was created. As a result, Equifax has not responded within the timeframe specified. Therefore, they are in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-05-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (AR)

My father was contacted my Radius Global Debt collection agency. My suffix is XXXX And his is XXXX. Once they verified his name ( only ), they said he owned an amount of {$52.00}. XXXX. He said he didnt owe anything. So they provided the name of the medical facility that provided services, the date, and asked if his address was my address by calling it out as well as my birthday. After hearing the information my dad offered to pay the amount owed and she would not take the payment. My privacy rights were violated.
Consumer complaint received 2023-12-28
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: CITIBANK, N.A. (CO)

I had a previous billing dispute with a fraudulent and highly abusive merchant. This dispute was related to moving charges in XX/XX/2023. I was in direct communication with this merchant in XX/XX/2023 to settle my claims against them because Citi failed to protect me during the billing dispute process. During my communications, the merchant became agitated with and proceeded to use my credit card number they had on file and charged my card WITHOUT my authorization in an amount of {$7600.00}. This was a fraudulent charge and again I did not authorize the charge. The merchant told me they could abuse the chargeback system with Citi and therefore were playing games to charge me card. I immediately called Citi to inform them of the fraud. I spent XXXX minutes with them on the phone where I was bounced around between fraud and billing disputes. Citi did not have an ability to cancel the authorization -despite it being fraud. Again, I did not move twice and I did not receive any goods or services for the XX/XX/2023 unauthorized transaction. I was alarmed that Citi was unable to detect this as fraud, given it was a duplicate charge from XX/XX/2023 and the merchant and I were involved in prior billing disputes. I then had to go back and forth with Citi for 2 weeks, providing proof that this was fraud and unauthorized. The entire process provided insight to how incompetent and chaotic Citi 's billing dispute department really is. I was given conflicting and contradictory information ( this wasnt the first time this has happened ), which could have been detrimental to my ability to recover these funds. The funds have been refunded by the merchant likely because XXXX XXXX realized the wire fraud they committed and the legal consequences for their actions. However I spent over 10 hours on this issue which was easily avoidable if Citi had the appropriate fraud protection controls in place. My account should never have been charged this amount without some fraud protection alerting me to the unauthorized use of my card. Citi did not apologize and again their incompetent systems and department threw up their hands. I filled multiple disputes on this latest charge trying to get my available credit back onto my account. Citi failed me. they did not protect their consumers. Luckily the deranged and psychotic merchant came to their senses, but I received a credit in NO PART DUE to Citi. 

Citi knew I was in dispute with the merchant. Citi knew this was a duplicate charge. And Citi should have had the controls in place to avoid this. Instead they failed me as a consumer and allowed a crazy merchant to make unauthorized and fraudulent charges on my account.
Consumer complaint received 2024-05-08
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. (WI)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Material XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my experience credit report on XX/XX/2024, and notice some things are incomplete or not accurate. And According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) treatments of inaccurate or in unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( i ) promptly delete that item of information from the file of the consumer, Or modify that item of information, as appropriate, based on results of the reinvestigation and ; ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681S-2 they are suppose to 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 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$620.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8200.00} ; Inquiries XXXX XXXXXXXX Date XXXX XXXXXXXX  Inquiry Date XXXX XXXX XXXXnquiry Date XX/XX/XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX  Inquiry Date XXXX XXXX XXXXXXXX Date XXXX XXXX Inquiry Date XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

I thought collectors were not allowed to contact me more then seven times over seven days and had to stop calling once i reached some kind of arrangement with them ... neither has worked and Navient is still calling me 3-4 times every day, meanwhile i am in the process of appealing with paperwork t have my loan forgiven/annulled as the college is/was closed as it was a " for profit '' school that fraudulently mis-represented their post graduation job placement, whether they were actually accredited, and the usefulness/ validity of a degree from their scam of an institution
Consumer complaint received 2024-02-17
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC (OH)

Two attempts were made. 
1. Contacted via phone asking for Address, DOB, and Social Security number, I refused to provide information. 
2. Received following text message on my phone : " Customize your payments to fit your life with ease. Get ahead with our flexible payment plan : $ Monthly : {$90.00} 2 Duration : 27 months Ready to start? Visit springoaks.XXXX XXXXXXXX. Questions? Reply or call us at XXXX during business hours. 
This message is from Spring Oaks Capital , LLC and is related to your account, originated by XXXX XXXX XXXX, now owned by Spring Oaks Capital SPV , LLC. 
We are a debt collector. Click here for important disclosures https : // portal.sprinqoaks.com/disclosures/ XXXX. Reply STOP to opt out. '' It was originated from the number - XXXX
Consumer complaint received 2024-02-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (GA)

At the start of XXXX, I canceled my account with XXXX. On XX/XX/XXXX I was charged by XXXX and was not sure why. I contacted XXXX via chat on the XXXX and asked why. They informed me that it was the final bill. I asked the rep if that would be the final payment and he said yes. On XX/XX/XXXX I received a letter of owing money. I was confused due to the conversation I had in XXXX. XX/XX/XXXX I called XXXX. I talked to a representative and she said she could not find my account and it had been closed. I did not owe the company anything. I could ignore the letters. So XXXX, I did so. And did not receive any other letters after that. I was never informed that a bill was sent to collections. And was never contacted by the collections office. I went to apply for a loan and was shocked to find out my credit had taken a hit in XXXX due to this bill XXXX told me I did not owe in XXXX.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. ()

I rised a dispute to XXXX credit report company to make a correction in my credit report on XXXX company reply me on XXXX We had received your email with all the necessary information and raised it with the financial instituition. We are awaiting the response from the bank for us to resolve the same at our end.The regulations governing the dispute resolution process gives us 30 days from the date of the details received to resolve the same basis the information received from the financial instituition. so far problem not resolved.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX  XXXX Balance : {$820.00} XXXX  XXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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 XXXX XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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. (VA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-17
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Adler Wallach & Associates, Inc. (CA)

This company has been contacting me via text and also furnishing false information to my credit report. This has stopped me from being approved for first time home buyer program. I have contacted the company several times and they will not reply. I am not liable for this debt of {$5200.00} with AWA COLLECTIONSXXXX XXXX XXXX account number XXXX I do not have a contract for funding or services, they did not provide me with the original contract with my wet signature and ID verification.
Consumer complaint received 2024-09-10
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)

XXXX XXXX requested to have all old addresses removed from my account, accounts was never removed XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX My current address is XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-07-30
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. (CA)

**** XXXX XXXX XXXX XXXX. 
**Social Security Number : ** XXXX **Date of Birth : ** XXXX This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 1. A personal credit account opened at XXXX XXXX on XX/XX/2024 under the account number XXXX. 
XXXX. A personal credit account opened at XXXX XXXX on XX/XX/2024 under the account number XXXX. 
XXXX. A personal credit account opened at XXXX XXXX on XX/XX/2024 under the account number XXXX. 
XXXX. A personal credit account opened at XXXX XXXX on XX/XX/2024 under the account number XXXX. 
XXXX. A personal credit account opened at XXXX XXXX XXXX on XX/XX/2024 under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports