davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

On XX/XX/XXXX I pulled a hard copy of my credit report and noticed a negative account that I had never seen before. 

That same day XX/XX/2018 I reached out to the company via certified mail and asked them to validate the alleged debt. 

It has been well over 30 days and I have yet to receive a response.
Consumer complaint received 2024-05-02
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-07-09
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: EQUIFAX, INC. (MT)

On XX/XX/XXXX I sent a paper form request to all three credit bureaus for my annual free credit reports. On XX/XX/XXXX XXXX complied. I sent another paper form request on XX/XX/XXXX for my Equifax and XXXX XXXX credit reports. On XX/XX/XXXX XXXX XXXX complied. Note In XXXX I had the same issue with Equifax and had to file a complaint to get my free report. However, in XXXX all three credit reports came without no roadblocks after I sent in a paper form request for all three credit reports, go figure. Now I am stuck in the same rut with Equifax skullduggery tactics. 
During my constant dealings with Equifax, I received XXXX letters from them with the same subject matter requesting identification information. I complied with letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectfully. I sent them copy of my drivers license, current house bills with my name/address and a copy of my social security card. In addition, I have filed complaints with the XXXX XXXX XXXX to no avail and CFPB. 
I would like for Equifax to follow the federal law and provide me with my free credit report and quit stonewalling me for no reason except to harass. My opinion is that those responsible for this debacle should be brought up before the U.S. Senate Committee of the Judiciary to explain their actions.
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Your Account Dispute has been updated. 
XXXX XXXX, XXXX  The dispute for the account with XXXX  XXXX that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XXXX XXXX, XXXX  Report Number : XXXX Account Number : XXXX Company : XXXX  XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX WHAT NOW? 

We'll notify you when all of your pending disputes are complete, and the results are ready. To see your most recent updates, please check your updated credit report. 


Have requested to get me the proof that this is my account? So far no Answer from XXXX XXXX or from XXXX. I am shopping for a Used car and now having a tough getting a car loan approved as XXXX decreased my FICO Score by XXXX points. 

Unable to write to them or call them There Calling center is closed. Always closed. 

All I get is an answer from XXXX we checked and XXXX XXXX says the report is correct. So, this report stands on my Credit report, now every other Credit agency Trans Union and XXXX also lower my Fico scores. 

Please- please do something and help me. You are the last hope. All I need the proof that this is my account. Why would not they give me the proof meanwhile XXXX XXXX keeps increasing my Credit Limits? Mindboggling? 

Respectfully, XXXX XXXX
Consumer complaint received 2024-05-02
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. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-02
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: Experian Information Solutions Inc. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-05-02
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-02
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: Experian Information Solutions Inc. (FL)

yes under the 15usc 1681 the loan on my credit report has been ask to be investigated over over again they sent back just a plain credit report they didn't investigate properly neither did they remove it from my credit report i have sent them letters over over again and under the fair credit act i have the right to no how the situation was investigated and why is it still on my credit report neither of these things was done i will appreciate if they remove this negative items from my credit report its hindering my credit report
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXXXXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$160000.00}, balance updated on XX/XX/XXXX, original balance of {$160000.00}, paid off 4 %, {$1200.00} monthly payment, account was opened on XX/XX/XXXX, with the last payment date of XX/XX/XXXX, status updated XX/XX/XXXX, account type FHA Mortgage, status open, and responsibility individual. The payment history shows 6 late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

Citibank locked my checking and savings accounts after I opened them online in XXXX oXXXX XXXX They never informed me when they locked them nor why they locked them. I found out when I attempted to make a transaction and I couldn't. I chatted online with them and also telephoned them and I was told the issue needed to be resolved with their fraud prevention team. I had no Idea why this happened. I have tried many, many times to resolve this issue to no avail. They keep telling me that I need to be fully verified first before they can acknowledge that they are talking to me. They attempted to send a text to my cell number so that would verify my identity. I have a prepaid cell phone ( XXXX XXXX plan because I only use it for emergencies and I don't want to spend a lot of money for a monthly plan. Apparently, my prepaid cell phone does not work for getting their verification texts. So, they tell me there is nothing they can do. I tell them they could verify my identity any other way and they say they can't because they are using a third party verification. So, I keep getting no where and they have my money and I don't have access to it. Then, one supervisor told me to go to the nearest branch ( 40 miles away in XXXX, NJ ) with 2 forms of Identification and they would unlock my accounts. My son and I went to the branch with many forms of identification. The Citibank banker called the fraud prevention team. We were there for longer than 45 minutes during this Covid pandemic ( I am XXXX years old! ) and the fraud prevention team told the banker that they wanted to sent a text to my prepaid phone which I've already explained does not work. Even the banker at the branch became frustrated with this fraud prevention team. He told them " the account holder is sitting right here and has several forms of ID '' again to no avail. The banker then had an Idea. He changed the cell number in my profile to my daughter 's cell ( not a prepaid plan ) and told me to wait a day for the system to update, then call fraud prevention in a day or two. I did and still no good - I'm guessing because he changed my profile while my account is locked. I keep calling and calling and Citibank keeps giving me the run around. They have my money and they won't give it back! I am an XXXX year old woman and I need this money. The other day, I called the branch manager at the XXXX, NJ branch and he told me there is nothing he could do. I asked him if I'm just supposed to let Citibank take almost {$16000.00} from me? His response was that perhaps in a few years the money could be claimed on behalf of my estate. I can not believe this. How could Citibank just STEAL my money like this? This is criminal and ELDER ABUSE. Please, Please help me!
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I'm a victim of identity theft, scam and fraudulent activities that resulted in financial theft during the time period of XXXX XX/XX/year>. I've submitted several claims to the Bank of America regarding this matter. Unfortunately, they have not been able to resolve most of the claims ( with a very small exception ). In addition a {$44000.00} loan was fraudulently taken in my name using stolen identity from XXXX. In order to resolve the fraud claim with XXXX, XXXX has requested a letter from the Bank of America stating that fraudulent activity took place on my bank account. However, Bank of America refuses to generate such letter. Bank of America states that it is internal bank business. 
Police reports, FTC reports, IC3 ( FBI ) and identity theft reports have been provided to the bank.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

What happened? 
I am filing this complaint because my credit report contains collections and addresses that do not belong to me. These inaccuracies are negatively affecting my credit score and financial standing. I have not authorized these collections, nor have I ever resided at the listed addresses. Additionally, XXXX of the companies, XXXX XXXX XXXX, continues to report unauthorized collections on my credit report. 

Specific Details : Unauthorized Collections : XXXX XXXX XXXX Reported : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/year> XXXX XXXX XXXX Reported : XX/XX/year> XXXX XXXX XXXX Reported : XX/XX/year> Incorrect Addresses ( Unmailable Addresses ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Actions Taken : I have contacted the credit reporting agencies to dispute these inaccuracies, but the issues have not been resolved. 
I have also reached out to the collection agencies and provided evidence that these accounts and addresses do not belong to me, but the collections and addresses remain on my report. 
Relevant USC Codes : 15 U.S. Code 1681b - Permissible purposes of consumer reports.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance.

15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I applied for credit builder account last year to boost credit score. I have had XXXX accounts with them previously. I have never been late on my biweekly account as you will note. However they signed me up for a credit builder plus account which is an additional fee that i was not aware of. I was making my payments to them and noticed were they were taking XXXX a pay period for the same loan so I put a stop payment with the bank. The original loan payments continued and were never late. They reported me to the credit bureau as late and Ive never missed a payment as you will see. I contacted them directly on XX/XX/24 and was on hold XXXX minutes without resolution. This account that was supposed to help my credit and I never missed a payment on has negatively affected my credit
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

On or before XX/XX/2022 I disputed XXXX XXXX XXXX ( XXXX XXXX XXXX ) .I the dispute was Marked verified. I reportly asked for evidence to support reporting verified but failed to provide any proof. 
I have as ask them to give me the process, names of verification. The bureaus have not came with anything at all. Which is the FCRA 611 ( a ) ( 7 ) violation. 
Violations Fcract 807-8,15USC 1681n,1681i,1681s-2,1681i ( a ) ,611,616,617,623 ; 602 ( A ) ; 604Asec2
Consumer complaint received 2023-08-04
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to which is reported erroneously. I am in desperate need of these items to be INSPECTED and blocked. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (NY)

I recently pulled a copy of my credit reports and noticed Fraudulent Accounts and Inquiry 's that need to be immediately DELETED and/or updated Pursuant to 15 USC 16816-2 and more specifically 15 USC 1981c-2. I did not give written instruction to ANY bureau to post my public information, NOR did i originate ANY of the listed items in question. This Constitutes Identity Theft, therefore these items need to be corrected immediately. Please DELETE the following fraudulent accounts : XXXX XXXX, XXXX XXXX. Please DELETE the following Inquiry 's : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE SEE FTC COMPIANT FOR ADDITIONAL PERSONAL INFO CHANGES. Please update my personal info, name : XXXX XXXX.
Consumer complaint received 2023-08-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-02
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. (NY)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

I have been a victim of identity theft. It has been documented with the necessary police report and affidavits. EXPERIAN refuses to delete the account from my credit file according to FCRA regulations despite being provided with the documents on several occasions via fax and certified mail. I hereby request the PUBLIC RECORD account - XXXX XXXX XXXX - XXXX be deleted immediately and no further action taken in regards to this account. This item was already previously deleted from my credit profile due to identity theft and the company is attemopting to reinsert this account in any way possible. This account should be removed immediately and it is still reporting.
Consumer complaint received 2024-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-02
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. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Next Financial Inc. dba Copper (OH)

Copper abruptly closed all accounts and drained the money. There is now no way to access what was in my checking and savings accounts. 
Coppers Release statement stated all money would be returned in the mail. 
Money has not been returned.