davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OK)

In XXXX, I initiated a bank transfer from Citibank to XXXX XXXX  XXXX Simultaneously, I applied for a debt consolidation loan to settle the balance I intended to transfer from Citibank to XXXX XXXX. Consequently, the balance with Citibank was brought to XXXX. Subsequently, XXXXXXXX XXXX issued a check to Citibank for the balance transfer, which Citibank duly cashed. 

However, this action resulted in an overpayment status and flagged my account as fraudulent, leading to the closure of my account. Despite numerous attempts to resolve this issue by contacting Citibank 's fraud department, customer service, and security operations department, I have been unable to secure a refund. The account 's heavily restricted status has hindered any progress in addressing the overpayment. 

As of XXXX, I have yet to receive any communication from Citibank regarding the refund, and this prolonged delay is causing significant financial strain. Moreover, the check from XXXX XXXX  was cashed by Citibank, leaving me with an outstanding balance that I am now required to repay, impacting my ability to fulfill my financial obligations, including the repayment of the debt consolidation loan used to clear the Citibank balance.
Consumer complaint received 2024-03-26
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. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-03-25
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. (IL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

on XX/XX/23 i sent experian an inquiry into the some things i saw on my credit are not vaiid. They have ignored my attempts to resolve these issues and will not comply with what i know is right and is causing me financial hardships at the moment. I have been ignored by the agency and have sent multiple request.
Consumer complaint received 2024-03-25
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. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (NY)

There are XXXX unauthorized inquiries on my credit report and incorrect employment information. I have never worked for a company called XXXX XXXX XXXX. The unauthorized inquiries are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX 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 2024-03-25
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. (WV)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX AND TRANSUNION AND XXXX CONSPIRED TO CHARGE ME FOR SERVICES RENDERED WHEN THEY NEVER RENDERED ME ANY SERVICES. 

I ORDERED XXXX SERVICES ON LINE AND PHONE AND THEY SET A DATE IN ONE WEEK TO SETUP THE SERVICES AND ON THAT DAY XXXX NEVER SHOWED UP TO INSTALL ANYTHING. I CALLED THEM AND THEY SAID SORRY THEY COULD NOT MAKE IT BUT THEY WOULD COME BACK OUT IN ANOTHER WEEK. I TOLD THEM NO THAT I WANTED EVERYTHING CANCEL AS THEY DID NOT HAVE THE COURTSEY TO EVEN CALL ME FOR NOT SHOWING UP AND I DID NOT WISH TO DO BUSINESS WITH SUCH A POOR COMPANY. THEY NEVER CAME TO MY HOUSE PERIOD FOR ANYTHING. 

NEXT I CALLED XXXX AND THEY SAID ALL WAS CANCELLED. 

THAN I GOT REPORTED TO THE TWO CREDIT COMPANIES. AND WROTE BOTH CERTIFIED LETTERS TO NO EFFECT.
Consumer complaint received 2024-03-25
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$620.00} XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$60.00} XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX  XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-25
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. ()

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 XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XX/XX/2023
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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. (GA)

I noticed that on XX/XX/year> I have an unauthorized/fraudulent inquiry on my XXXX credit profile from cnba. I also notice on my Equifax I have an unauthorized/fraudulent inquiry from XX/XX/XXXXXXXX. Under the fcra guidelines these inquires need to be removed immediately.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (FL)

THIS COMPANY MICROBILT CORPORATIO Inquiry : XXXX. XXXX, XXXX  ADDED A HARD INQUIRY TO MY XXXX CREDIT REPORT WITHOUT MY AUTHORIZATION
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Allegiant visa signature card received an application for pre-approved credit. The property was taken and I got nothing in return. Bank of America has opened an account ( # XXXX ) in my name without my consent and denied credit, which is identity theft, restraint of trade, Misappropriation of funds and unjust enrichment. Furthermore, banks can't use credit reports based on privacy rights. I demand the bank to discharge credits to the United States Treasury for my redemption. 
Interest and money are due to me. Set off discharge dollar per dollar of application preset in honor and good faith.
Consumer complaint received 2024-06-19
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: Alorica Inc. (MI)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I can not see my free annual credit report. When I went to transunion website, it just kept the loading page up for my credit report. I never got to see my report. I have sent a screenshot of the previous report and what keeps popping up when I try to view my credit report. I have called in twice and have used to live chat twice over the past 45 days and this issue has not been fixed.
Consumer complaint received 2024-03-26
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)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: AmeriCash Holding LLC (WI)

In XX/XX/XXXX a loan was taken out in my name for {$1000.00}. Two pay stubs were given to the company with my name on them. I did not work for the company that was on the paystubs. The money was deposited into an account at a bank that I have never use, nor was my name on the bank account. In XX/XX/XXXX I got a final notice of default on the loan. I contacted the loan company about the loan. They informed me of what they had for the loan and that was my name, phone number, address, Social Security number, and place of employment. I informed them at the current moment that their email address, phone number, and place of employment were wrong. I gave them the right phone number and email address so they can send over all the information about the loan, loan request information, and the documents to acquire the loan. At the end of XXXX beginning of XXXX, I sent a fraud affidavit to the clients attorney that was still suing me for this loan. I am still being sued for a loan that I never applied for never received never gotten a copy of the actual loan application, used in my name to apply for this loan. 

The loan company never verified any information before sending funds for the loan I never applied for or received. Because of the loan companies negligence, this is costing me time, money, and health issues.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (TX)

I was contacted by a collections agent in XXXX XXXX regarding a late payment to TD Bank, NA, for a XXXX XXXX account. When setting up the account, I elected the autopay feature, which effectively paid my balance monthly. I stated this to the agent, and she confirmed that I was enrolled in autopay. However, she then told me that when the phone is paid off and the account reaches a XXXX balance, the autopay feature stops. This was never communicated to me prior to enrolling in autopay. 

Although there was a XXXX balance at that time due to the phone being paid off, the insurance for the phone was still being billed to that account. I assumed the account was being paid off because I had previously been enrolled in autopay. TD Bank, NA, then assessed late fees and negative reports to the credit bureaus. The " late '' payment ended up significantly adversely affecting my credit score and history, although I have never had any adverse actions in the past. 

I was instructed to fill out a XXXX XXXX Credit Report Dispute Form and wait to hear back from their institution.
Consumer complaint received 2024-03-24
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. (MI)

There are several inaccuracies on my Equifax consumer report that i would like removed and addressed The name " XXXX XXXX XXXX '' is present on my Equifax consumer report this name does not belong to me and dos not represent me I would like only the name " XXXX XXXX '' present on my consumer report. 

addresses The address " XXXX XXXX XXXX XXXX, LA XXXX '' this is a non mailable address and I can never be reached at this inaccurate address. i would like this address removed from my consumer report Accounts XXXX Bank Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX XXXX  : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. 

XXXX  The account " XXXX XXXX XXXX Account Number XXXX Reported : XXXX. XXXX, XXXX '' {$430.00} This collection account is being reported as " Active /Open '' being that is account is charged off and reported as a collection is it illegal for this account to be reported as Open if it is a collection account. Per the laws found in 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES, i would like this account removed immediately
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (NC)

I XXXX XXXX a natural person am submitting this complaint myself. I received a collection letter from Credence Resource Management LLC dated for XXXX XXXX which stated an alleged debt owed in the amount of {$1400.00} and they are adding fees of {$220.00} to a total balance of $ XXXXSection 808 ( 1 ) of the FDCPA states that a debt collector may not collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless it is expressly authorized by the agreement creating the debt or permitted by law. On XXXX XXXX I sent a letter to Credence resource Management LLC requesting validation of the alleged account. I received a letter dated for XX/XX/2023 which was one page stating that the account was validated. there was no proof of the account information of anything.Section 809 of the FDCPA ( 15 U.S.C. 1692g ) provides consumers the right to request validation of the debt. If a consumer disputes the debt within 30 days of receiving the initial debt collection notice, the debt collector must provide verification of the debt, including the amount owed and the original creditor.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Equifax XXXX Inc. has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Equifax XXXX Inc. is furnishing information from XXXX XXXX XXXXXXXX. In addition, XXXX XXXX is involved in Racketeering Activity along with XXXX XXXX, XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, Consumer. In addition to receiving proceeds derived from such Racketeering Activity. Convictions of Racketeering Activities carry up to a Life Sentence Imprisonment of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXXXXXX XXXX XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-03-24
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. (MD)

I am writing to dispute several hard inquiries that appear on my XXXX credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX