davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

A Citi AAdvantage XXXX XXXX XXXX XXXX was opened in my name without my knowledge. I called them immediately and reported it to Citi 's fraud department, then I filed disputes with the 3 credit report agencies, XXXX, XXXX, and XXXX, that the account was fradulent. So far, XXXX and XXXX have not allowed my dispute saying that Citi said the account was correct however when I call Citi, they say the account was fradulent and they have closed it, but they will not acknowledge this and update the report to the credit agencies.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete the items immediately.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've learned that the creditor didn't provide the necessary 21-day 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 2024-05-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Property Collection Lawyers, LLC (MI)

I moved to colorado 2021 XX/XX/XXXX and was not notified or called anytime between then and now about any debt that was owed and also we did not receive a security deposit back. It has been years since then we have not been contacted until now about any debt.also since then I have had name change
Consumer complaint received 2019-04-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I recently checked my credit report and realized that are a couple of inaccurate information regarding late payments on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 


Dept OF ED/XXXX  Account # - XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

i recently opened my credit reports from the bureuas and there were several fruadulant inquiries and an account that i hope can be removed asap. the creditors and listed addresses and phone numbers are not responding to my messages, mailings, or phone calls.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and 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 assure 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed 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 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (OH)

Long story short I ordered a camera for XXXX that I did not receive. To my dismay I received a box with a blue weight thingy and XXXX wax strip. I contacted XXXX immediately and with the assistance of my younger sister ( a whole minor ) we submitted proof photos of the wrong items with a note of my name, account email and date as XXXX requested. XXXX themselves validated the photos I sent confirming I didnt receive my camera ( I attached all screenshots of the conversation to prove this on my dispute file with NFCU ). XXXX then stated they wanted me to either deliver the wrong package where it belongs or pay XXXX to deliver it which is absolutely ridiculous for several reasons : 1 ) I dont work for XXXX 2 ) they already stole over {$800.00} from me they refuse to returning or ship a replacement why would I be stupid enough to pay XXXX  XXXX That and I already paid for my own item shipping Im not paying for someone elses 3 ) I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I cant go anywhere even if I wanted to! 
I submitted all of my thorough documentation regarding this incident including my medical paperwork showing my physical limitations XXXX XXXX XXXX. I spoke with the rudest supervisor from Navy Federal this evening who told me find someone to do it for you. Were in a rural state my mother never had a license she came to this country at an older age and my little sister isnt even old enough to have a license! I offered XXXX to send someone to pick up the wrong items they delivered to my home to which they refused ( I submitted this proof as well ). I never in my two years with Navy Federal had to file a dispute for any transactions, but I do know now Ill never make any major purchases with this card again.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

I had my Hot water heater blow and my alarm companies water sensor failed. 

On XX/XX/XXXX XXXX XXXX deposited {$250.00} to my account. 

Ive spoke with XXXX XXXX and they supplied me with the deposit form showing Chime Bank Formally Stride NA bank received these funds. 

Ive spent countless hours with Chime to hear the same Page of the same book talking about escalating to a back office. 

I have been told for a week straight that this back office would be in touch. 

I provided Chime with the documents proving the money was transferred yet they claim they can not find it so I must continue to wait. 

I should be given a provisional credit in the amount of {$250.00} while the supposed back office finds my money. 

Additionally during the time of my deposit I received an email stating deposits were working again. 

Clearly they had a known issue, Chime bank has the proof needed to immediately credit my account yet they refuse to do so. 

This in my opinion amounts to theft, Inwant my deposit. 

Why should I the 3 year customer have to wait for them to find their error? 

Can not reach anybody not reading the book of the same stuff to say. 

The customer support provides no customer service and instead reads off a line that all complaints go to this back office. 

Ive requested the back office on numerous occasions and have not heard a word back.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I've learned that the creditor didn't provide the necessary 21-day 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 2024-05-15
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. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to delete the following information form my file. The Items I deleted are listed in the report I am a victim of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (NC)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-05-15
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)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2023-08-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (IN)

On XX/XX/2023 @ XXXXXXXX XXXX XXXX  XXXX XXXX was contacted by telephone by a Global Lending Service Rep by the name of XXXX XXXX this is the number XXXX XXXX XXXX use to call me ( XXXX ) XXXX XXXX XXXX stated she see I have a cease and desist on file and she continued by saying I owe this auto loan debt where they received by information from XXXX XXXX XXXX. She completely ignored me, harassed me, and continued to talk over me as i tired to tell XXXX XXXX XXXX all communication should be via mail or email she violated me by telling me to pay this debt. i continued to try to tell she is in violation of my consumer rights under fdcpa and fcra. XXXX XXXX XXXX then hung the phone in my face. She not only violated my rights but she also violated several federal laws as well. XXXX XXXX XXXX has caused me more emotional distress from this phone call i should not have received.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Upon checking my credit report on XX/XX/2019 I saw my score has dropped due to a hard inquiry on my report by Capital One credit card that I did NOT do. It was done on XX/XX/2019 in which I did not do nor did I authorize Capital One to run my social security number at all. I have contacted them or tried since XX/XX/2019 by phone and always placed on hold for over 45 mins to one hour each call. I have made 8 calls since XX/XX/2019 at different times of the day. I am requesting that this hard inquiry be taking off my credit report. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2024-05-15
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. (FL)

in According with the fair credit reporting act.the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report I dont recognize those hard inquiries that show bellowl ; 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am submitting a complaint regarding a charge off on my account that is in violation of the Fair Credit Reporting Act ( FCRA ) section 15 USC 1681. This section of the law states that inaccurate or outdated information must be promptly removed from a consumer 's credit report.

The charge off in question is invalid, yet it continues to negatively impact my credit score and financial standing. I am requesting that this inaccurate charge off be removed from my account immediately to ensure compliance with the FCRA.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I had XXXX different Citi Bank credit card offers mailed to me in XXXX. XXXX was for 18 months no interest and the other was for XXXX or XXXX  months no interest. I chose to use the XX/XX/XXXX month no interest, of course. ( Note that my friend opened theirs on the same day with the same offer. They are still not being charged interest. ) Citi Bank began charging me interest after only XXXX months. Now they say that since I didn't keep the flyer that said XXXX or 22 months on it, I'm basically out of luck. All I can think is that the person who set up my card entered the wrong end date for the promotional offer.
Consumer complaint received 2024-07-15
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. (NV)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

i am lodging a formal complaint against penn credit corporation. this debt collector has reported derogatory information on my credit reports for a debt to XXXX for {$2000.00} i have never had an account with XXXX ever in my life. ive sent this company debt validation letters in the past they ignore them, but has continued to report on my credit reports every month which is a violation of the fcra, a company must cease collection after debt validation request. i am in the process of purchasing my very first home for my family and this debt on my reports is holding us back. i am requesting penn credit delete this account that doesnt belong to me off of my credit reports immediately. i will be filing XXXX complaints, and attorney general complaints if this account isnt deleted immediately. thank you for your time!
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by Equifax and XXXX on my credit report. The account details are as follows : XXXX XXXX XXXX Balance Owed : {$2500.00}
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding their inaccurate reporting of my student loan payment history. Despite being in deferment, XXXX has consistently reported my account as being XXXX  days late for numerous months, instead of appropriately reporting it as a charge-off as required by law. This erroneous reporting has had severe repercussions on my credit score and overall financial well-being. 

The issue stems from XXXXXXXX XXXX failure to accurately reflect the status of my loan during the deferment period. As per the terms of my loan agreement, I am entitled to deferment, during which no payments are due, yet XXXX has repeatedly misrepresented the status of my account, causing undue stress and financial hardship.

I have diligently adhered to the terms of my loan agreement and have promptly provided all required documentation for deferment. However, XXXXXXXX XXXX negligent reporting practices have tarnished my credit report and made it exceedingly difficult for me to access further financial opportunities. 

Therefore, I urge the Consumer Financial Protection Bureau to launch a thorough investigation into XXXX XXXX  inaccurate reporting practices and take appropriate enforcement actions to rectify the situation. Additionally, I request compensation for the damages incurred as a result of XXXXXXXX XXXX  failure to comply with federal regulations. 

Thank you for your attention to this matter. I anticipate a swift resolution to this issue and look forward to your response.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Account name XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Routing number XXXX This account had been receiving customer payments in succession around XX/XX/XXXX. During this period, the account was temporarily restricted by BOA 's risk management department. However, after providing the necessary customer informatio, the risk assessment was completed satisfactorily, and the account was returned to an operational status. 
However, after a while the account has been closed by boa and requesting to reverification of the maker info. 
Which doesnt make of sense. 

The handling of this matter by BOA has been highly unprofessional for several reasons : * The account funds had already been verified by BOA 's risk control, with all necessary customer information provided. Despite this, BOA has continuously claimed that the account requires additional investigation, refusing to accept further customer payment contracts and invoices as additional proof. 
* The delay in receiving the final payment is excessive. Since being notified of the account closure in XX/XX/XXXX, the remaining balance has not been received as of XX/XX/XXXX. 
I urge the Consumer Financial Protection Bureau to intervene and facilitate the expedited resolution of this issue, ensuring that the remaining balance owed to me is promptly settled. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (NY)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.