davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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. (GA)

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

THE INACCURATE ACCOUNTS DISPUTED FOR EQUIFAX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-27
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. (TX)

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. 

Account Name : DEPTEDNELNET Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-27
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 am writing to formally express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. 

I discovered unauthorized and fraudulent transactions on my account issued by your institution. Immediately, I contacted your customer service department to report the fraudulent activities and requested assistance in removing these unauthorized charges. 

While I appreciate the initial responsiveness of your customer service representatives, the subsequent actions taken to address the issue have been inadequate. I expected a swift and effective resolution, but the process has been marred. 

Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. 

I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. 

As a customer, I expect and deserve a higher standard of service, especially when dealing with issues as critical as fraudulent activities on my account. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the situation promptly. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX XXXX Balance : {$520.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am unable to obtain my transunion credit report. I have requested it in writing with them and have not received it either. Transunion has enabled my ability to access my credit report through them online at transunion.com since filing a cfpb complaint on them.
Consumer complaint received 2024-01-27
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. (NJ)

I am providing a follow-up complaint to apprise you of my unfortunate experience as a victim of identity theft. Pursuant to FCRA Section 605b, Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report, specifically under my reference # XXXX. Enclosed are the documents intended to facilitate the removal of inaccurate information and inquiries currently being reported on my credit files. The following is a list of inquiries and the inaccurate address that neither belong to me nor were opened with my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-27
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. (NY)

I am submitting a follow-up complaint to inform you of my unfortunate experience as a victim of identity theft. In accordance with FCRA Section 605b, Credit Reporting Agencies are required to expunge any items listed on an identity theft report, specifically under my reference # XXXX. Enclosed are the documents intended to facilitate the removal of inaccurate information and inquiries currently being reported on my credit files. The following is a list of inquiries and inaccurate addresses that neither belong to me nor were opened with my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts DEPTEDXXXX XXXX Balance : {$7100.00} DEPTEDXXXX  XXXX Balance : {$3600.00}
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #.

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Account XXXX XXXX XXXX XXXX account # XXXX Opened Fraudulently on XX/XX/2023 {$13000.00}
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (MO)

Recently, Citibank began advertising its revamped Citi XXXX XXXX card, which promises XXXX bonus ThankYou points upon completion of {$4000.00} worth of spending within XXXX months. 

I was approved for the card immediately upon applying, on XX/XX/year>. Citi claims to have mailed the card out on XX/XX/XXXX. 

Unfortunately, ongoing delivery delaysI still havent received the card, as of XX/XX/XXXX, XXXXand other consumer-unfriendly business practices make me doubtful whether I will ever be able to receive this bonus, even though I opened the account with the intent of completing the required spending. 

A representative I spoke with via the app told me that I could request an expedited replacement starting the next day ( XX/XX/XXXX ). I decided to give it the weekend to account for XXXX XXXX ( the previous weekend ) but as of Monday, the card hadnt came. So I contacted Citi again. 

This time, I spoke with a rep who informed me shed need to close my account. This didnt sound right, so I called in. After waiting on hold and being transferred several times, I spoke with a pair of supervisors, both of whom told me that actually, the card couldnt be expedited, for XXXX XXXX reasons. 

The first supervisor, XXXX, was extremely dismissive of me, which is why I requested to be escalated to XXXX. XXXX, who was much friendlier, told me I should continue waiting for the original card, since the replacement would take an additional XXXX weeks to arrive. Unfortunately, though he promised to call me back that Friday, XX/XX/XXXX to process the replacement, this never happened. 

Instead, I had to call back in and spend almost an hour navigating through the automated system ( and dealing with unhelpful offshore call center staff, who were clearly just reading from scripts ). 

Though they did at least submit the request for a new card to be mailed, I have yet to receive it. At this point, almost a month has passed since I was approved for the card ; I only have XXXX remaining months of the promised XXXX to complete the required bonus spending. And thats if I receive my card soon! XXXX starting to doubt I ever will. 

Moreover, Citi has decided to lock me out of my online account access until I verify receipt of this cardthe card which, almost a month later, I have never received. This means I can not monitor spending on my other Citi card, or pay my bill when the time comes, potentially endangering my credit rating. 

Although I have concurrently been in touch with Citis so-called Executive Office , they have not been any help. Theyve spoken with me about what happened, but have not taken steps to ensure I get my card, nor to address my concerns about not receiving my promised bonus due to their own delivery days. 

Citi is engaging in consumer-unfriendly ( and arguably deceptive ) business practices, and this needs to change. Had I know to expect this kind of tomfoolery, I never wouldve applied for the card in the first place.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TX)

I did not give authorization for XXXX XXXX  to submit my financial information for a loan or refinance. I got notice that I was denied for something I did not apply. This is an unsolicited inquiry on my credit
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

A USAA 0 % promotion was offered and received on XX/XX/XXXX, with a 3 % balance transfer fee. Recurring bills did not stop as expected first month and higher interest occurred on those balances. Payments and credits were made above purchase and minimum payment requirements each month. The next month 0 % promotional balance dropped over XXXX and higher interest balance increased over XXXX. Minimum payment due was XXXX on USAA App and two places on page 1 at top of statement. When I asked where and how my payments were applied, Agent told me it is not documented but any where USAA wants it to go. I said well how will the higher interest balance ever be paid down. 
Also the USAA Agent revealed on the USAA statement buried at the bottom on page 4, next to last paragraph, there is a statement which reveals a higher minimum payment due than on the three places mentioned above.This is very important payment information that contradicts 3 other documents, can cause fees and should not be buried behind less important info.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid 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 (VA)

Good Afternoon, I had filed a fraud claim with Navy Federal Credit Union for transaction on XX/XX/23 for {$340.00} with XXXX. We had reserved the vehicle picked it up XXXX, VA, however due to MAJOR issue with the vehicle that jeopardies the safety of my family we had to change while driving in XXXX, KY. When we arrived to KY airport they gave us way smaller vehicle. I had provided all document to navy federal the report that was made all the paperwork receipt agreement and they did nothing. No proof of attempt to collect the amount, charge back request nothing all I got was we are sorry. As a consumer they did not provide any protection or even assistance. I had called NFCU several times to asked if there is any addition docs need and they and they stated all is good, until it was not and said that they are unable to assist and the claim is decline.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. Once again per statues above these accounts need to be removed THESE ACCOUNTS DON'T BELONG ON MY CREDIT REPORT Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX  XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-16
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: TRUIST FINANCIAL CORPORATION (GA)

XXXX - During the Suntrust and BB & T merger, my contact info was lost on my loan account, resulting in negative credit marks. 

On XXXX occasions, XX/XX/XXXX and XX/XX/XXXX, payment issues caused payments not to be processed. Truist only contacted me after the payment was 30 days past due and typically after receiving a notification from credit monitoring that my account was past delinquent. 

In the most recent occurrence, the mortgage rep confirmed again after my account was updated in XX/XX/XXXX, my account did not have phone or email information on my mortgage account, preventing late payment alerts on or around the XXXX. It's not till after the payment goes XXXX days that the issue is handed over to a different department that Truist finds my phone number. I have a total of XXXX Truist accounts, I have banked and have had a Mortgage with Suntrust for XXXX years, and have never had these issues until the merger. 

I currently have XXXX mortgage accounts and XXXX HELOCs with various banks, and I have no issues with processing payments or receiving phone calls. Yet, Truist keeps losing my account contact information.
Consumer complaint received 2023-08-29
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (PA)

Store had signs and employee offered a promotional {$100.00} off my purchase which was over {$1000.00} for signing up for a Home Depot credit card. I did not receive the {$100.00} off and was told to go talk to customer service. Customer service told me it was because it was the weekend and I'd receive a coupon Monday. I said ok fine since I'll make another {$1000.00} purchase soon. I've yet to receive the promised coupon. Employees and the promotional signs indicate that you'll immediately receive the discount upon signing up with your first purchase, which is not the case.