davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA (CA)

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or GOLDMAN SACHS AND CO XXXX a customer service representative. Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Consumer complaint received 2024-06-03
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. (CA)

Upon review the files, it comes to the attention that there is an Error of FALSE information about XXXXXXXX XXXX Account # XXXX with the balance of {$4700.00} ( Date open XX/XX/2022 ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2023-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PR)

I and the XXXX  XXXX XXXX have provided evidence to XXXX XXXX that I am still actively enrolled in school and have completed the formal documentation from the university for deferment while in school. However, this agency, XXXX XXXX, is unresponsive in multiple ways. They do not answer phone calls, their chat service does not respond to inquiries, and they fail to respond to emails. Furthermore, even though they initially accept the documents when they are submitted and state to wait for a response within 10 days, they subsequently delete the content of the email, and there is no record of the uploaded documentation in their system. I have photographic and video evidence showing the submission of the documents. XXXX XXXX  XXXX XXXX also recommended that I file a report with them because they have experienced the same lack of response from XXXX XXXX. 
This refined timeline underscores the repeated efforts to communicate with XXXX XXXX, document submissions, and the persistent issue of receiving payment notices. It clearly demonstrates the challenges faced by both XXXX XXXX and XXXX XXXX in resolving the matter with XXXX XXXX. 
Saturday, XX/XX/2023 - XXXX XXXX  XXXX XXXX emails XXXX XXXX, confirming the successful submission of the document to XXXX XXXX after multiple attempts. 
Tuesday, XX/XX/2023 - XXXX XXXX  XXXX XXXX sends another email to XXXX XXXX, expressing concern about receiving billing notifications despite submitting the required document. XXXX details the difficulties in reaching XXXX XXXX  through various means and seeks recommendations from XXXX. 
Friday, XX/XX/2023 - XXXX XXXX  XXXX XXXX emails XXXX XXXX, informing XXXX that she has faxed the document to XXXX XXXX, emphasizing its urgency. 
Wednesday, XX/XX/2023 - XXXX XXXX  XXXX XXXX sends an urgent email to XXXX XXXX, highlighting the ongoing issue with XXXX XXXX. XXXX expresses frustration and concern about the continuous receipt of payment notices despite submitting the required documents. XXXX outlines their unsuccessful attempts to contact XXXX XXXX through phone, email, and chat and requests assistance from XXXX. 
XX/XX/2023 XXXX XXXX sends an email to XXXX, notifying XXXX that she has faxed the deferment request to XXXX XXXXs once again. XXXX specifies that she included the original submission date, the fact that XXXX uploaded the form to their website, and the lack of updates or communication from XXXX XXXX. XXXX suggests considering filing a complaint with the Consumer Financial Protection Bureau if there is no response or account update. She recommends including screenshots from the XXXX XXXX and any records of communication attempts. XXXX expresses her willingness to assist further and acknowledges the challenges in directly contacting loan servicers.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-08-02
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. (AZ)

Experian is showing 3-4 different scores, also providing inaccurate information preventing a fair credit report. Disputes are being denied without burden of prof and personal information was shared to third parties which is illegal by law of 15 Usc 1681. In which each violation is worth {$500.00}.
Consumer complaint received 2024-08-02
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. (GA)

I discovered incorrect entries on my credit report this morning and I am clueless about the reason. Upon my routine check, these discrepancies appeared unexpectedly. I tried refreshing my browser to see if it was a glitch, but it wasnt. The inaccurate entries remained after refreshing. Due to this issue, I request a thorough review of the documents Ive sent so I can avoid future worries.
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: EQUIFAX, INC. (MO)

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX XXXX  Account XXXX Account name : XXXX  XXXX Account XXXX account name : XXXX  XXXX account XXXX Account name : XXXX XXXXXXXX account XXXX Account name XXXXXXXX XXXX XXXX account XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I always pay on time and I know this for sure. I don't understand why this company says I'm late some months. This shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.
Consumer complaint received 2024-08-02
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
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: EQUIFAX, INC. (GA)

Dear Sir/Madam, I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports if 162 connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 1681i ( 5 ) removal of inaccurated credit information remove immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustained by the consumer, which can be a minimum of {$1000.00}, whichever is greater. The court may also allow punitive damages. 

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me copies of my written signature that give consent to this matter. In the absence of such evidence, I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report. 

Finally, I would like to inform you that if this is not resolved, I am prepared to send this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ). I look forward to hearing from you soon regarding this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
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. (GA)

I have an account for {$900.00} reporting as unpaid from XXXX XXXX. It has brought my credit down over XXXX points and a credit card I had for over 20 years was brought down to a {$500.00} limit. I was turned down for a home loan because of it and I never made the credit card. I called and they couldn't give me any information. I keep getting letters requesting payment for a credit card that I never used. I have never been late on a credit card. The only credit card I had for the last 15 years is XXXX  XXXX XXXX and you can check and see I have NEVER been late!
Consumer complaint received 2024-08-02
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. (MS)

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I did not Authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-02
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. (CT)

Please delete all fraudulent accounts and hard inquiries off my credit file from Experian, XXXX, and XXXX immediately. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-13
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. (IL)

I would like to file a complaint against TransUnion regarding their refusal to remove fraudulent accounts from my credit report despite the submission of sufficient documentation. 

On XX/XX/year>, I filed an initial complaint with the CFPB concerning the fraudulent accounts on my TransUnion credit report. Despite this, TransUnion has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates the blocking of information resulting from identity theft.

Despite providing appropriate documentation, including an FTC Identity Theft Report and a Police Report, TransUnion has refused to accept my claim of identity theft. According to Section 605B of the FCRA, a consumer reporting agency is required to block the reporting of information identified as resulting from identity theft within four business days after receiving : Appropriate proof of the identity of the consumer ; A copy of an identity theft report ; Identification of the fraudulent information by the consumer ; and A statement by the consumer that the information does not relate to any transaction by the consumer. 

I am requesting TransUnion to comply with the FCRA and remove the fraudulent accounts from my credit report.
Consumer complaint received 2024-06-03
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. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me.This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (TX)

I have sent multiple dispute submissions regarding inaccuracies on my credit report to your agency, clearly outlining the accounts and violations observed. Despite repeated attempts, it has been over 30 days without any response from your end. 

Attached are copies of all previous correspondence for your reference. 

I urge immediate attention to rectify these discrepancies, as they are adversely affecting my financial standing. 

Thank you for your prompt action on this matter.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

Citibank Claim My name is XXXX XXXX, a Priority client of Citibank USA for more than 25 years. in XX/XX/XXXX, we discovered an astonishing amount of fraudulent charges made with my debit card. 
Immediately, we alerted the bank at their XXXX, FL office, we followed the procedure they indicated : cancel and report the debit card via phone, and reported the large number of fraudulent charges ( claim numbers XXXX, XXXX, XXXX, XXXX ). The detailed explanation is in attachments and communication sent to Citibank via XXXX. 
From XXXX until now, we have been trying to resolve this situation and having Citibank reimburse the fraudulent charges as protected by the Electronic Fund Transfer Act ( EFTA ). 
We have made several claims via phone, mail, and email. Some of them have been responded to with non-legal arguments. 
Due to Citibank 's lack of response to our claims, we proceeded to open a case with the Consumer Financial protection Bureau ( CFPB ) with unsatisfactory results. 
As a result we received a communication from Citibank ( Attached ) where they acknowledge mishandling our initial phone claim made in XX/XX/XXXX. Despite this, they have only reimbursed charges for about {$900.00} dollars, while the total fraudulent charges amount is approximately {$30000.00} In this communication, they argue the following allegation detailed below : They state that it is our responsibility to review the account statements and report errors. In our case, we face the difficulty of not residing in the USA, not being able to use the app, and having issues with online access as we are most of the time blocked. ( Reported several times ). Although we always trust the Banks security. 
Nevertheless, we reported on XX/XX/XXXX all fraudulent charges reflected in the statements of XX/XX/XXXX and XX/XX/XXXX, before the 60-days period that Citibank indicated . Despite this, the fraudulent charges made in those months have not been reimbursed by Citibank. 
Regarding the XXXX Charges, after receiving the XX/XX/XXXX statement, we made a final claim on XX/XX/XXXX. All that within the 60 appointed days. 
On the other hand Citibank informs us they never notified us of the large number of fraudulent charges because they were made in the USA and we have a Mailing USA address. 
Considering the volume of these charges compare to the usual transactions, It is a fact that there was a significant lack of security and negligence on Citibank because fraud can occur in any country, For instance, we had precedents of security alerts before via email for transactions made by us within the USA. In this case we did not receive any alert for those fraudulent charges. 
Consequently, we earnestly request Citibank, instead of apologizing and only returning a tiny portion of the withdrawn money from my account, they must comply with the EFTA protection laws that cover these fraudulent charges made with my debit card and reimburse them all.
Consumer complaint received 2024-07-13
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. (NC)

This account has fraudulently appeared on my credit report without any notices or proving to me this is mine. I have been in contact with XXXX XXXX and even filed complaint with XXXX and still no resolution. Let me clarify, this does not belong to me XXXX XXXX # XXXX {$530.00} Collections. I have even attempted to dispute with credit agencies because the collection was never validated. XXXX and XXXX deleted from my files because the debt couldn't be verified or validated. In addition, I never received a notice 30 days prior to inserting on my credit. { By law, the consumer reporting agency shall efficiently provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller ). This was not done. Trans Union is the only agency reporting this erroneous information and the entity is saying " Verified '' with no actual evidence.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I placed several pre-orders for shoes via XXXX using the debit card linked to my business checking account. Despite having clear evidence that the merchant failed to fulfill the orders, Bank of America has repeatedly denied my claims, citing a policy that disputes can not be processed after 60 days. In contrast, other banks have resolved similar claims in my favor within just a few days after investigation.
Consumer complaint received 2023-04-13
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX