davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XXXX XXXX I have a XXXX investment payment transfer {$120000.00} to my USAA account. After the initial hold the funds were released so I was able to move money around to pay bills and whatnot. On XX/XX/XXXX without notification USAA froze and closed my account stating fraud. I was also told that because the name on my XXXX had a different last name, old married name, that was the issue. The issue is not resolved they say it takes 60 days to close my accounts and issue me a check for any funds in the accounts, which doesn't work as I have bills and life saving meds to pay for.
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. (WI)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Kikoff Inc. (OH)

It was a credit builder account that you pay and they put a fake {$2500.00} account on your credit report. I was never informed that they were going to charge off the account because I actually don't owe at them any money. When I tried to reach out to the company to actually just pay them the balance they refused and they told me there was no way to settle with them or get the account removed I tried filing disputes which have gone on answered for 4 months now. I tried to remove it with the credit bureaus for the last 4 months to know avail so now I'm reaching out to you.
Consumer complaint received 2024-08-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates (GA)

On XX/XX/year> I received a bill from XXXX XXXX of XXXX for {$2100.00}. According to my insurance company the amount that they should be able to charge me was {$490.00}. They are trying to use balance billing to charge me the amount above what XXXX, my insurance allows. The method of balance billing is illegal in the state of Georgia. I have taken this up with XXXX, XXXX XXXX as well as XXXX who now report that XXXX has placed my debt with Creditors Bureau XXXX. XXXX states I only owe {$490.00}, XXXX continued to attempt to illegally balance bill me for the {$2100.00} and XXXX says they can do nothing because Creditors Bureau says the amount of the debt is correct because that's what XXXX has reported. I have offered numerous times to pay the {$490.00} but I have been rebuked in those efforts saying they will only accept the full amount.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On or about XX/XX/2023 contacted XXXX XXXXXXXX XXXX re a XXXX settlement of a XXXX balance on a BJs my perks CC. 

XXXX accepted the funds, paid by a bill pay check that cleared in XX/XX/2023. 

Thereafter, the account was still open and then became delinquent. 

I contacted XXXX on around XX/XX/2023 for an update as to why the account was still open. I kept paying on the account so as to not ding my credit. Sometime thereafter the account was transferred to Capital One.

I was contacted Capital One [ XX/XX/2023 ] ( the successor ), and they stated that based on the information they received from XXXX, they will not honor the settlement. They further instructed me to contact XXXX. I did. XXXX told me to do a credit dispute with Capital One and that the account was indeed settled. 

My credit has taken a ding and I am out of nearly $ XXXX with this settlement.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

As of today, XX/XX/2024, it has been over 30 days since my submission for several alleged charge-off accounts listed in my credit report. According to 15 U.S. Code 1681i, if a credit bureau can not verify the disputed item within 30 days, it must be removed from the consumer 's credit profile. Additionally, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), information furnishers must not report information on a consumer that they know or have reasonable cause to believe is inaccurate. Furthermore, as stipulated in 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants and Medical Credit Corporation, Inc. (IL)

XXXX is illegally reporting medical debt on my credit report, in violation of the Illinois Consumer Fraud and Deceptive Business Practices Act ( XXXX XXXX XXXXXXXX ).
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

I have been using Citi online banking for my credit card since XX/XX/XXXX. Starting from XX/XX/XXXX I was not able to login to my online banking account any more. So I called Citi customer service on XX/XX/XXXX, hoping to figure out what's happen because I did not change my password. 
However the representatives were a nightmare. They kept transferring me to the next representative for 13 times without giving me any resolutions at all. Also my calls have been dropped 3 times. I've been on the phone for 2.5 hours and haven't gotten any useful information from Citi.
Consumer complaint received 2024-07-16
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. (PA)

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute inaccurate information on my credit report. The following information is incorrect : XXXX XXXXXX/XX/year>. Not Authorized XXXX XXXXXX/XX/year>. Not Authorized XXXX XXXX XXXX XXXX  XX/XX/year>. Not Authorized I have carefully reviewed my credit report and have found discrepancies in the information provided. I have never applied for credit with the following companies, which are liste above. These inquiries listed above, are beaing reported are incorrect, and misleading. This misinformation is negatively impacting my credit score and financial standing. 

I am requesting that Equifax, investigate this matter and remove the inaccurate information from my credit report. I have enclosed copies of relevant documents, including proof of payment history and correspondence with the creditor, to support my dispute. 

I understand that under the Fair Credit Reporting Act, you are required to investigate any disputed information within 30 days of receiving a consumer dispute. I kindly request that you expedite this process and provide me with an update on the status of my dispute. 

Please send me written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IN)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Consumer complaint received 2024-04-30
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. (TN)

I am writing to provide an update on my ongoing efforts to correct the late open accounts listed on my credit report. Despite multiple attempts, I would like to follow up these inaccuracies persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open accounts remain on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX Balance Owed : {$890.00} ; XXXX XXXX Balance Owed : XXXX ; XXXX  XXXX Balance Owed : {$1700.00}.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-04
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)

Notice of Dispute! Ive recently Pulled a Copy Of my Credit File From XXXX, XXXX XXXX Equifax. Its very Concerning that theyve Failed to Notify me within ( 5 ) Days of any Transactions and Experience That Was Being Furnished. As The Original Creditor and Authorized Beneficiary These Transactions was shared Without Consent Nor did My Family Benefit From them They are Damaging my Consumer Report. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRES Remove all Inquiries From XXXX, XXXX XXXX Equifax Dated From XXXX to XX/XX/2023. Per I Have no Written Contract or Agreement with any of the Furnishers thats listed I Authorize The Consumer Protection Bureau to Investigate and Remove All Unauthorized Items Under The GLBA and Privacy Act ( 15 ) Calendar Days To Comply or Any and all Legal Rights will be granted
Consumer complaint received 2019-02-12
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: Experian Information Solutions Inc. (NC)

In early XX/XX/XXXX, I mailed investigation requests to the credit bureaus, asking them to look into three accounts reporting incorrect information on my credit report. XXXX responded two weeks ago, but I have yet to hear back from Experian or XXXX XXXX.
Consumer complaint received 2024-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/22 and XX/XX/22 the following companies illegally accessed my credit report by processing inquiries without my knowledge or consent. I have no knowledge of who these companies are. They made numerous inquiries on my credit reports on both days. 

On XX/XX/22 and XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-10
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. (MO)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On Saturday, XX/XX/XXXX I called TransUnion to dispute an information problem on my credit report. For the past two months, my TransUnion credit report has been missing from my credit history. This is rectified further on partner sites like XXXX XXXX and XXXX XXXX XXXX which allow you to view TransUnion reports. Even when my XXXX and XXXX reports were reporting correctly. After some back and forth, they saw that this was a matter they could transfer to their so-called " Special Handling '' department since they saw I have no credit history, but not a split credit file. Unlike previous incidents with TransUnion. Which were solved easily due to me knowing their " Split File error code '' to fix it. However, they were closed on the weekends and were told to call back the next business day and state the same problem. While also being told you can ask to be transferred to " special handling ''. 

On Thursday, XX/XX/XXXX I had some time to call TransUnion and restate my current situation and unfortunately, the representatives I talked to stated this wasn't a matter that could be disputed and sent to special handling. After threatening a CFPB complaint, I was transferred to a supervisor instead of their special handling department which would help dispute my credit report. Instead, the supervisor had persistently told me it wasn't TransUnion 's problem even though the Fair Credit Reporting Act gives me the right to dispute with the credit reporting agencies. I was told to call the banks instead and tell them to correct the dispute without needing them. After asking to transfer to " Special Handling '' for the third time to help dispute, they continually refused. Even though I knew this was Transunion 's problem, not the bank 's. After being hung up on by TransUnion it was the moment this complaint needed to be written up. 

I contacted XXXX, XXXX XXXX, and XXXX XXXX the same day regarding this matter while checking my XXXX and XXXX reports and the three banks have told me that they've reported everything correctly. Including TransUnion. Was told this was a Transunion problem again. Not the banks.
Consumer complaint received 2024-04-30
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. (CA)

Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

This recurring issue not only causes me significant stress and inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. It is unacceptable that despite multiple attempts, the fraudulent items remain unresolved, casting doubt on the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my credit file. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX
Consumer complaint received 2023-08-04
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. (IN)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act Collections- Source XXXX XXXX 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
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 — Account status incorrect
Company: EQUIFAX, INC. (TX)

Hello, I had disputed the balance on an account reporting negatively on my credit report. I had a credit card through XXXX XXXX XXXX XXXX that ended up in collections. Over time the account was paid off and satisfied. I have documents from the collection agency and the court that the account has been paid in full and satisfied since XX/XX/2023. Comenity bank has refused to update the balance information after disputing the records with the credit bureaus even after providing court and collection agency letters stating other wise.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX