davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I sent letters to TransUnion, XXXX and XXXX on XX/XX/ stating they were reporting inaccurate and incomplete credit information on my profile. I have yet to receive correspondence on their investigation and it has been 30 days.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (MD)

Someone called my cell saying they are the fraud dept of citi bank and I need to withdraw immediately {$1900.00} from my checking accouant purchase XXXX gift cards give them the card number and access code asap .When I got back home I got the same thing with my XXXX XXXXXXXX XXXX XXXX I withdrew {$1000.00} from different accouant because I did not have the amouant in one accouant. I was told in 6 hours the money will be back in the accouants.Never happened. I called the bank and I was told to contact the police XXXX XXXXXXXX XXXX Police report # XXXX.XXXX from the fraud dept told me he changed the ip address on my computer the new onw is XXXX I did a FTC report too # XXXX. Then today XXXX  XXXX XXXX told me to call XXXX to see if I can stop the gifts cards XXXX said its too late here is the XXXX case # XXXX
Consumer complaint received 2024-04-04
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'm reaching out today to inform you that I've fallen victim to identity theft. Please consider this letter as a formal dispute regarding the following accounts. I've already reached out directly to all the companies involved, as instructed, to address this issue. I've filed an identity theft report with the FTC and have contacted all the companies to dispute the information that shouldn't even be appearing on my file. I kindly request your assistance in resolving this matter. 
Please remove these accounts promptly. Your attention to this matter is greatly appreciated. I apologize for any frustration expressed ; however, these oversights on your part are causing significant financial difficulties for me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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. (NE)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (DE)

Without my knowledge or any form of security warning, an individual gained unauthorized access to my Credit Karma XXXX  account and changed my email address, password, and phone number. On XX/XX/XXXX, they used a virtual debit card to make a fraudulent purchase of {$2400.00} at the superstore, XXXX XXXX. Thankfully, I still have access to my account with XXXX ID, which they havent turned off. 

I immediately reported the fraudulent transaction online before contacting Credit Karma to freeze it. However, I was not able to change my information access to my account due to the theft. When I contacted their customer service representatives to request access to my account for them to investigate the fraud and ensure its security, they were unable to help me with the information security access to my account. They could only escalate the case to the fraud department and would only communicate with me through email.

Im concerned that the thief will continue to use my unauthorized virtual debit card. Consequently, they made another XXXX fraudulent purchase attempts on XX/XX/XXXX, but both were rejected due to insufficient funds in my account. The following day, the fraud department then requested verification by submitting my government-issued ID and a selfie of me holding the ID under my XXXX. Afterward, they froze my account until XX/XX/XXXX in the afternoon, yet prompt clearance of information security access to prevent the thief from gaining access to my account has not been done. 

To investigate the fraud, I went through the transactions in my account and found that someone had tried to use my money for XXXX separate purchases at different stores and times. The first one was for {$0.00} on XX/XX/XXXX, at XXXX. The second one was for {$230.00} on XX/XX/XXXX at XXXX, and the third one was for {$280.00} on XX/XX/XXXX at XXXX XXXX. Luckily, I didnt have enough money in my account back then.
Consumer complaint received 2024-01-11
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX my date of birth is XXXX. I have reached out multiple times to Equifax about the fraud alert that is continued to stay on my consumer report. I was given multiple confirmations that the fraud alert was removed off of my consumer report. I have reached out multiple times I was given this confirmation number after speaking with a representative by the name of XXXX conformation XXXX XXXX was to remove all indicators and blocks on my consumer report. I recently reached out to XXXX XXXX, also to my credit union and other lending institutions, which say that there is no file whatsoever that comes up. My file has been completely blocked out and in which where there is no information that is given to potential lenders under the fair credit reporting act 15 USC 1681B permissible purpose I have not given Equifax consent to place a fraud alert on my consumer I spoke with the representatives and after speaking with them, no one seem to understand how to remove this fraud alert from my consumer report. I have asked them to investigate multiple times in which they violated 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

All the information listed is incorrect : incorrect addreses : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This inquiries is unauthorized user : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I'want these items Deleted, from my credit, reports, effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and files deleted
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (FL)

I am writing to formally file a complaint regarding the inclusion of certain information in my consumer report maintained by your agency. Pursuant to the Family Educational Rights and Privacy Act ( FERPA ), 20 USC 1232g ( b ), I request the immediate removal of the following account from my consumer report due to its violation of my privacy rights regarding student education records : Account Information : Account Number : XXXX Date of Entry : XX/XX/2018 Description of Account : DEPT OF ED/AIDVANT As per FERPA regulations, student education records are protected from disclosure without the consent of the student or their legal guardian. The account in question directly pertains to my educational history and therefore falls under the purview of FERPA. I have not provided authorization for this information to be included in my consumer report, nor has the educational institution involved obtained my consent for such disclosure. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

I kindly request that your agency take immediate action to investigate this matter and remove the mentioned account from my consumer report in compliance with FERPA regulations within 14 business days
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (PA)

Experian is playing games and giving me the run around Experian updates my credit file each month now they want to play games but send me this incomplete credit file. 

Report all made up address and so forth. 

I have also filed with the US Attorney and DOJ to the credit abuse practice and false address and phone numbers and information created by Experian as false info. 

This needs to stop due to its incomplete and false information.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A. (NJ)

Entered into a debt collection plan with the Bank for a credit card that I have an outstanding balance on or around XX/XX/2024. This debt is with the current banking institution that I currently use my savings and checking account with. After some back and forth due to my unemployment status with no income ; the credit card was confirmed to be fully cancelled and I was approved to make payments of {$38.00} per month at the end of each respective month. To date, I have made the first XXXX payments of the trial plan which is for XXXX months. 

However, despite being on the debt collection plan, the bank calls every day or every couple days with incorrect or invalid information about what my payment is. They reference outstanding payment amounts due for {$110.00} or higher each time they call. Tonight, XX/XX/2024, the bank called XXXX different times with me responding to the final call at XXXX XXXX. The caller advised they were calling about a debt collection for my account with an outstanding payment of over {$110.00} which I responded that I was already on a repayment plan for {$38.00} and that I should not be receiving the constant phone calls with incorrect payment amounts.

The individual I spoke to validated that he saw the repayment plan information and the payment that was just made on XX/XX/XXXX but indicated that he was still required to call about making the debt collection amount despite the repayment plan in their system. I advised that this practice is illegal and that the bank should stop trying to contact me when I am on an approved repayment plan and advised I would contact the FTC or other parties about this practice. After advising this the caller went back to his script about debt collection practices to which I responded with some colorful language and hung up on the debt collector/bank.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NJ)

I have hired a law firm to handle my creditors and debt but this one particular bank ( Comenity Bank ) doesn't seem to care and they keep calling me. I have informed them many times to speak with my attorneys directly and they choose to ignore these wishes. They call all hours of the day/night and on weekends. I just want it to stop.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (LA)

On XX/XX/23 i sent a letter disputing some items on my report to equifax. I have not been heard and this is very frustrating. I have sent multiple request since then and have no received any response to my request. Im looking to purchase a house soon and this is putting me in a financial bind
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

During XX/XX/2021 XXXX XXXX charged me a late fee and reported a late payment to the credit reporting agencies. XXXX, Equifax, and XXXX are all reporting this late payment which is a violation of 15 USC 1681 ( a ) ( 2 ) ( 1 ). Which states a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. Since XXXX XXXX charged me a late fee, which is a transaction the credit reporting agencies should not be reporting the transaction on my credit report. 

The credit reporting agencies are reporting a factual inaccurate late payment. Please see the attachments and evidence.
Consumer complaint received 2023-11-22
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. (FL)

I have UNAUTHORIZED credit accounts such as XXXX XXXX XXXX ( Acct # : XXXX ) ( Experian ) and XXXX XXXX XXXX ( Acct # : XXXX ) ( XXXX ). 
I also have UNAUTHORIZED hard inquiries such as XXXX XXXX XXXX ( Experian ), XXXX XXXXXXXX ( Experian ), XXXX XXXX XXXX ( Experian ) and XXXX ( Experian ).
Consumer complaint received 2024-04-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: AMERICAN FINANCING CORPORATION (FL)

In the beginning me and my wife agreed to certain things that was in this refinance application with American financing but near the end of the loan application they changed things without us even knowing that they did it and I asked American finance why did you change the figures without me knowing it and they said we guess it was just a error on our part this is XXXX of the reasons I canceled this contract but for some reason they sent me and my wife a a envelope todays date XX/XX/year> stating that it will be disbursement of all funds on XX/XX/year> I never signed new electronic signatures for this. Me and my wife 's also never signed documents for the notary that they sent to our house.documents with a notary that they sent to my house. But for some reason they are still trying to put this financing through without our approval up-to-date signatures and I spoke to the president of the company and I told him that I wanted to cancel and he said I will do it then the next day he went ahead and sent this paperwork contract to me and my wife the next day so American financing holding up to the end of the contractis they asked who referred them to me and I told them XXXX XXXX she mentioned they name but I'm going to contact XXXX XXXX and let her know that maybe she should think twice about referring people to this company the name of the presidents of the company is XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX but still nothing from them. That means creditor/XXXX XXXX XXXX NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am the author of this complaint. I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted because of these errors.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, is showing up on my credit report and I have never lived there nor do I currently live there. 
Please remove this address from my credit report.