davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
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. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed 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
Consumer complaint received 2023-04-19
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: LEXISNEXIS (NJ)

I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. LexisNexis is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX and XXXX XXXX  XXXX - BALANCE {$15000.00} - CREDIT LIMIT {$10000.00} - Incorrect Balance being report, and high credit utilization disclosed and 30 day late payments ( XXXX - XX/XX/2023 ), XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX are violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments ( XX/XX/2023 - XX/XX/2023 ). They have violated my consumer rights multiple times. I demand a reinvestigation of the account ( s ) in question and modified and updated correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The credit bureau are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission and 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (AZ)

On XXXX I received a notification that my XXXX credit report had received a hard inquiry from Barclays Bank in Delaware. 
I immediately contacted XXXX and inform them that that was a fraudulent inquiry as I had not applied for any credit. They told me to contact the company which I did, and Barclays wanted me to give them my social security number which I refuse to do. I told them not to issue any credit to whoever was applying because it was not me and later received a letter from Barclay wanting me to provide my driver 's license which of course I did not. As far as I know Barclay did not provide the scammer with any credit however the hard inquiry is still all my credit report and it knocked XXXX points off of my credit report. I called the XXXX again today to tell them that they had not removed the and they told me I needed to come here to file a complaint so that they could remove it. I don't understand why they didn't tell me this when I called them XX/XX/XXXX when the fraudulent inquiry was made regardless I want this hard inquiry off of my record I have never applied and it should have never been on my record to begin with because I have always had a fraud alert on my account so I don't understand why a hard inquiry could even appear on an account that has a fraud alert on it to begin with. 
Thank you very much XXXX XXXX
Consumer complaint received 2023-04-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (MD)

Dear Debt Collector, I am writing to request that you provide validation of the alleged debt associated with my account as soon as possible. I request that you provide me with the original bill of assignment, as well as the full bill of records related to this debt. 

I am making this request pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA requires that a debt collector provide me with proof that they own the debt and that the amount they are attempting to collect is accurate. Without these documents, I am unable to determine the validity of the debt. 

Furthermore, I would like to remind you that as a consumer, I have the right to request and receive verification of the debt in question under the Fair Credit Reporting Act ( FCRA ). This request is made with the understanding that failure to provide this verification will result in a violation of my rights under both the FDCPA and the FCRA. 

I demand that you provide me with the requested documentation within the next 30 days. If you are unable to do so, I request that you cease all attempts to collect on this debt and remove all negative information from my credit report related to this debt. 

I look forward to your prompt response to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I was recently informed that I did not have to recertify my IDR through Mohela from my pre-pandemic COVID pause recertification date XXXX Tax Year. 

Twice I was misinformed that I had to recertify. The first time I was misleadto recertify was in XXXX of XXXX when I was mislead to submit an XXXX update for the XXXX Tax Year. 

The second time I was misinformed that I had to recertify was over the phone when I was attempting to gain information on my student loan on XX/XX/XXXX. I was again mislead to submit and XXXX update for the XXXX Tax Year. 

I was unaware of the benefit set out by the Department of Education given to every borrower and am dishearted that I was mislead not once, but twice by this company. 

I should also benefit from the rules set about by the Department of Education as every other borrower in the same situation I am in does. 

I request my XXXX calculation be returned to it's pre-pandemic COVID pause state, utilizing the XXXX Tax Year data as I should not have been allowed to recertify until the XXXX date indicated by the department of education.
Consumer complaint received 2023-10-17
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. (MI)

dept of education XXXX  in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 dept of education XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Your response to CFPB Complaint ID : XXXX included instructions to call XXXX at XXXX, extension XXXX. I have called multiple times during the hours that she indicates she is available. I left messages asking her to call me back. 

We can not access our account and have been unable to do so for over a year. You refuse to engage us in any substantive conversation and your customer service is not trained to handle a situation like this.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

On our about XX/XX/XXXX, I opened online a checking account with Citibank. I received the debit card in the mail, and was unable to activated online, it kept giving me an error, in XXXX XXXX went in personally into the branch, and spoke to the teller, she instructed me to make a deposit through the ATM machine in the lobby, I did. 
Later I decided to use the account, to collect funds from friends and family for a young cousin 's XXXX XXXX, and linked it with XXXX with the email XXXX, on XX/XX/XXXX. Tested that it worked from another personal account on XX/XX/XXXX, with a {$1.00} transfer, since it worked. I started receiving XXXX 's there since that day. 
On XX/XX/XXXX, again I went to the local Citibank branch ( same where I activated the debit card, and made the cash deposit ), and asked for {$5700.00} to be wired transferred to the clinic in XXXX, XXXX. I had the invoice and all the wire information from the clinic, after a few minutes I was told the account had been blocked, and most likely I would receive a cashier check, or the senders ( including myself ) would get their money back, because I violated the terms of my account, to go back in 72 hrs. I went back 72 hrs, a week, 2 weeks and month, and many other times, no re-solution. I was told to wait it would be via regular mail or directly with people, because they had to wait, and see that no one had filed a complaint that it was fraud. It wasn't it was mostly family, and some friends. I understood, but Neither has happened, its been almost six months. I have gone to the branch, the manager says there is nothing he can do. I have called Citibank, different departments and no one knows or can't talk to me, since they closed the account, and im no longer their client. No one including, myself, my daughter, other family members and my husband has received a refund, nor have I received a cashier check refunding the full amount of the money in the account, at the time they closed it or denied me access to it. The total amount in the account that I am owed is {$6600.00}
Consumer complaint received 2023-10-17
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. (OH)

I recently viewed my consumer report and was aware that there are several accouns that are not reporting accurately. I'm request this accounts that I have listed be removed from all my consumer reports to prevent further litagations. I did not consent to any ofthe informtion to be reported which is a viloation. 

XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-10-17
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. (OH)

I recently viewed my consumer report and was aware that there are several accouns that are not reporting accurately. I'm request this accounts that I have listed be removed from all my consumer reports to prevent further litagations. I did not consent to any ofthe informtion to be reported which is a viloation. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-06
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion I sent documents that the public record eviction was withdrawal by court it didnt belong to me mistaking in identification I want the eviction removed as soon as possible its affecting me and XXXX and Transunion is showing in accurate credit score they have a bunch off soft pull and inquiries that I didnt do I havent been running my credit and will like them to fix and update my credit XXXX as well they will take XXXX points off and when ur improving or paid something off they give XXXX points verse the XXXX they took off its not fail and there abusing the points not I want my credit score to be back to XXXX where I was I havent applied for any credit card
Consumer complaint received 2023-10-17
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 XXXX XXXX XXXX XXXX {$5400.00} I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-17
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)

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 XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXE XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX 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 XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-10-31
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (UT)

Google does not allow me to redeem my Google Play gift card purchased from XXXX XXXX. 

I provided my receipt and the details of the card. 

However, Google refuses to help with a generic template email : We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards.