davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CA)

I applied for a business US bank credit card with a promotion requiring spending {$4500.00} within 150 days to receive a {$500.00} credit. On XX/XX/2023, I contacted an associate to confirm whether this spending requirement included balance transfers, as I was planning on completing a balance transfer. The associate assured me that balance transfers were indeed a part of the promotional offer and that I had met the spending goal. On XX/XX/2023, I called again to re-confirm this information and was once again informed that balance transfers counted towards the spending requirement. However, when I called on XX/XX/2023 to inquire about the credit, I was informed that the terms had been changed and that only purchases would be counted towards the promotional offer. I am disappointed by this change in terms and would appreciate clarification on when I can expect to receive the credit. US Bank are not honoring what was assured to me on the phone calls by different associates.
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: EQUIFAX, INC. (CA)

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 2024-06-03
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-26
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: Kikoff Inc. (MI)

I have been attempting to dispute fraud on my credit report for months, experian keeps denying it and not blocking the information. 

their last resonse to me was for me to call some lady, and that number continues to go to voicemail. This needs to be taken care of. 

by the FCRA i just need to send the FTC affidavit ( which only allows 5 companies ) a copy of my id, and a bill with my name and address on it. 

they are also refusing to remove an XXXX account that is being reported wrong, even after I have sent them a copy of the administrative judges order. 

these fraudulent accounts are kikoff lending open sky first premiere moneylion Possible finance XXXX XXXX ( n which i currently have an open fraud investigation with the FCC/FTC ) these need to be BLOCKED. 

of course I will be filing seperate complaints about each of these companies shortly..
Consumer complaint received 2024-06-03
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 2nd attempts to inform XXXX credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-03
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. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$190.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$49000.00}
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I am writing to bring to your attention a matter regarding inaccuracies and outdated information on my credit report. After reviewing my credit report from, I have identified several discrepancies, including old addresses that are no longer associated with me.

Specifically, I have noticed that my credit report contains outdated addresses that I have not lived at for several years. Additionally, there are inaccuracies in the reported account information that do not reflect my current financial status accurately.

In accordance with the Fair Credit Reporting Act ( FCRA ), I have previously submitted a request to XXXX, Equifax, and XXXX to have these inaccuracies corrected and the outdated addresses removed from my credit report. However, despite my efforts, these errors persist, which has raised concerns regarding the accuracy and integrity of my credit profile. 

As these inaccuracies can have significant implications for my financial well-being and creditworthiness, I kindly request the assistance of the Consumer Financial Protection Bureau in addressing this matter. I am seeking your intervention to ensure that the credit reporting agencies comply with their obligations under the FCRA to maintain accurate and up-to-date consumer information.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. Your prompt attention to this issue would be greatly appreciated.
Consumer complaint received 2024-06-03
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)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-19
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. (TX)

I have reported to all entities including the creditors that this information is a result of identity theft. Transunion XXXX and XXXX were all provided a copy of FTC report with all accounts that do not belong to me. All on the report were removed except the account XXXX XXXX XXXX. 

I requested a block for the accounts listed on the FTC report FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
ALL OF THIS WAS SENT TO THE CREDIT AGENCIES The credit agency came back and said a block was not required, however all the other accounts listed were blocked and removed XXXX and XXXX. 

None of this applies to this account - The account was NOT disputed in error, - The block was NOT requested on basis of material misrepresentation. 
- I did NOT obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act, the listed accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

I've have written to Experian, XXXX, and XXXX by XXXXertified mail many of times to reinvestigate this account : XXXX XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A states, " I have the right to privacy ''.

15 USC 1681 Section 604 A Section 2. It also states, a consumer reporting agency can not furnish a/any account without my written instructions.

15 USC 1681c ( A ) ( 5 ) states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate.

Also, they aren't even in compliance with metro 2 reporting. I have evidence to prove my case.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IL)

My XXXX XXXX XXXX were transferred from Navient to XXXX in XXXX XXXX  XXXX. 

Due to the Covid pandemic, automatic payments of these loans were ceased back in XXXXXXXX XXXX  XXXX. 

After the initial pandemic dust had settled and trying to knock out my lowest balance loan, I resume electronic payments to my loan servicer at that time Navient. I set up a monthly {$110.00} payment to Navient starting in XXXX XXXX XXXX. I utilized my checking account that I had setup for automated payments of utilities, insurance, etc. 
Back in XXXX XXXX XXXX, my lowest balance load, from XXXX, had a balance of approximately {$720.00}. While I meant to stop automatic payments to Navient after XXXX XXXX XXXX ( the loan would be paid off by then ), I neglected to do. 

I didnt realize that I had continued these automatic payments until this weekend ( XX/XX/XXXX ) while preparing to setup the resumption of load payments, this time to XXXX. Logging into XXXX I discovered that there was no record of any of these ( XX/XX/XXXX to XX/XX/XXXX ) payments within the history that was transferred to them from Navient. The XXXX XXXX XXXX XXXX, as of XXXX XXXX  XXXX, still had a balance of {$710.00}. 

I contacted XXXX about this at XXXX. The customer service person said that I needed to contact Navient about these unrecorded payments. 

I then contacted Navient. I did this after attempting to logon to the Navient website. Any way I entered my information, the site could not find my account, so I had to call for further research. The Navient operator took my name, my full SSN and my account #. She was also not able to find me in the Navient system and told me to contact XXXX. 

I finally contacted my bank ( XXXX ) and asked them about the actual payments themselves. The customer service person said that they were paid electronically ( a paper check was not generated and mailed ) to Navient and that they all appeared to be processed. 

My desire would be to have my {$3900.00} Navient payments applied to my current student loans serviced by XXXX, but I dont know how to get these payments recognized by Navient or transferred over to XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-13
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. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 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
Consumer complaint received 2024-06-03
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. (CA)

This is one of several attempts to inform the 3 credit bureaus that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The records I'm questioning are related to no transactions involving the acquisition of products, services, or money that I initiated or authorized. Assuming no one cares, erase any information in my credit report that is the result of alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$110.00}
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year>XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (MO)

Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : XXXX. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
XXXX. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 
XXXX. Do not sell or transfer this debt to any other third party. 
XXXX. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.