davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (WI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NC)

XX/XX/23 around XXXXXXXX XXXX i deposited {$3500.00} at chase atm XXXX XXXX {$100.00} bills XXXX {$50.00} bills an XXXX {$20.00} bills XXXX bills all together making {$3500.00} i have yet to receive any updates on my dispute i have not received any temporary credit after the 4 days they said they would apply to my account i called them an they said that it would take them up to 35 days to resolve the issue an that i would have to wait till they resolve the issue before giving me my money back. I kelp calling asking if they could look at cameras they wouldnt tell me anything but sorry you have to wait till its resolved.
Consumer complaint received 2023-04-21
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. (GA)

Experian, I am filing yet another complaint against your company. I continue to request your attention to this matter. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report immediately, pursuant to section 605B of the Fair Credit Reporting Act you have four days, Please send the required notifications to all furnishers of this information and send me an updated copy of my credit report.
Consumer complaint received 2024-01-28
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. ()

Ive reviewed my credit report and noticed the following inaccurate items. The accounts below are not mine : XXXX  XXXX Account Number : XXXX Account Opened : XX/XX/year> Account Balance : {$0.00}
Consumer complaint received 2024-05-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MI)

I received an {$100.00} XXXX  prepaid card from a friend as a payment for shoes I sold to him. The card is from Prepaidgiftbalance.com. On XX/XX/XXXX, I decided to try and use it and reload my XXXX XXXX XXXX balance with {$100.00} but it didn't work. On XX/XX/XXXX, I tried to use it for gas at the gas station and it still didn't work.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DeaR SIRS : WAS REVIEWING MY CREDIT REPORT AND FOUND NUMEROUS INQUIRIES WHICH WERE NOT AUTHORIZED BY ME, AND DID NOT APPLY TO THEM! 
LIST AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-REPORTED AS FRAUDULENT ACCOUNT ON FTC REPORT # XXXX. 
XXXX. ONLY APPLIED TO XXXX XXXXXXXX XXXX FOR AUTO LOAN! AND ALL THE REST OF THESE INQUIRIES SHOWED UP, PLS REMOVE UNAUTHORIZED INQUIRIES!
Consumer complaint received 2024-01-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally request the removal of a disputed item from my consumer file. Despite my efforts to have the inaccurate and incomplete reporting verified by the information furnisher, no resolution has been achieved. I respectfully urge you, as the credit bureau, to adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ) and promptly eliminate the contested account listing from my credit report. The accounts in questionDEPT OF EDUCATIONXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00}, DEPT OF EDUCATION/XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$9200.00}, DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00}, and DEPT OF XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : $ XXXX a notice of dispute from me, prompting your credit bureau to confirm the account 's verification. However, knowing that the information was unverifiable, I proceeded to dispute it directly with the furnisher of information, as allowed by the FCRA. Regrettably, the furnisher has failed to provide any substantiating evidence or respond in any manner. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MA)

I went to XXXX and requested my free credit report from both Equifax and XXXX. There are no free credit reports issued through this website as claimed. Both companies will happily provide the requested report online -- if I pay for it. For free- they each refused, and told me to fill out and mail in a form with copies of my social security card, drivers license and XXXX.
Consumer complaint received 2024-04-05
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. (VA)

First, I categorically reject the closing of my previous complain. Their answer ignored several issues, forcing me to address each one via a new complaint. They do not respond to internal queries, only CFPB complaints. Here is the summary of what has happened : XXXX XXXX failed to manage my account from XX/XX/XXXX to XX/XX/XXXX. They messed up the vestment of my loan and did not catch it until XXXX XX/XX/XXXX. They then failed to call me and badgered me to pay $ XXXX and neglecting to investigate why my account was so messed up until a week of me calling, arguing and panicking. 

On to my next complaint. 
My account is being reported as delinquent, dropping my credit score by XXXX points. They have admitted they created this error and have still insisted on ignoring my messages and reporting me as delinquent, putting my clearance in jeopardy. Without my clearance I dont have a job. IAW 12 CFR part 1024 regulation X should not be continuing to report a delinquency as a result of their negligence. 

I have offered to move on amicably and close all complaints if they simply admit fault and waive these fees. Since they have ignored me on their internal customer service system and respectfully reject waiving the fees, this is my first of several complaints.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

We began our account with Capital One on XX/XX/XXXX. 
We have made on-time payments every month. sometimes additional payments. We even paid off the card this past XXXX  unfortunately we had some property damage which made XXXX max out the card. In XXXX our minimum payment was increased from {$35.00} to {$97.00}. We struggled to make each payment faithfully. On XX/XX/XXXX I scheduled our payment as I have always done but it was rejected my XXXX  card XXXX XXXX XXXX XXXX so I used the XXXX  account ( routing # and account # ) process. On XX/XX/XXXX I was notified my payment had been returned ( accusing my bank of being at fault ). Then Capital One penalized me with a PAST DUE fee of {$28.00}. I made a payment of {$95.00} on XX/XX/XXXX then on XX/XX/XXXX hit me with interest charges of {$69.00}. We made another payment of {$75.00} on XX/XX/XXXX with an additional payment of {$500.00} on XX/XX/XXXX. On XX/XX/XXXX logged into the account to see if Capital One accepted XXXX  payment that is when we noticed our account had been restricted. So we called XXXX  service and the automated service stated the account was closed, must contact XXXX  Service after XXXX XXXX XXXX on Monday XXXX XX/XX/XXXX ( the duration of the call was over XXXX minutes ). We were told we breached their contact with another account. We asked for clarification. They told XXXX XXXX times we were being recorded on a recorded line and I told them I was recording them as well, they told me it was against the law to record them. We were never notified of their decision to close XXXX  account. They informed us they closed the account due to the returned check, ( which I stated they penalized us with a charge of {$28.00}. Also, I noticed they took XXXX  rewards away as another penalty. If every creditor would close accounts due to XXXX payment discrepancy I would think they would never make money. Nowhere on the statement XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX, stating the account was closed.
Consumer complaint received 2024-01-08
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate the time you've dedicated to REMOVING some of the fraudulent items in my file resulting from an alleged identity theft. However, there are still remaining ITEMS that require removal, as outlined in my FTC Report XXXX XXXXXXXX. This marks my third communication as a victim of identity theft, wherein I dispute the items in my file associated with this crime. The contested items are unrelated to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. Kindly proceed to remove the record of these items from my credit file, attributable to an alleged identity theft. Additionally, I have included my newly filed FTC report XXXX XXXXXXXX for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

I over paid my loans and finally they were applied to my other outstanding loans however everything is completely paid off but now I have negative balances on my account that I would like refunded to the account I paid from. I have tried calling and emailing edfinancial but it is really hard to get a hold of them. In summary, the loans are paid in full but I have negative balances due to overpayments.
Consumer complaint received 2024-04-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP (TN)

I had taken a loan at Republic Finance I had a little bit of issue last year with the payments emailed them told them that I've gotten it cleared up toward the end of the year and it should be fine I received a new debit card first of this year and attempted to log in to change my debit card. I work late sleep during the day so I don't really have time to talk to anyone or deal with situations much during business hours so I use website. Since the first of this year the website has been saying this account is disabled please contact us so I haven't been able to update my card info. Which on a side note is actually a violation of the contract because the contract specifies that I will be able to pay and manage the account online well at this point I haven't been making my payment because my card they have is expired they are calling me sometimes 4 to 5 times a day 6 and 7 days a week of course while I'm sleeping so my phone is off. They've also submitted to the courts and I have an a court date for a judgment which for a contract that they are in violation of shouldn't actually happen.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 and XX/XX/23 ). Please investigate and provide prof with statements showing that these payments were late. If proof can '? be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 

Please see this account is removed from my file at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE, REMOVE!!!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE, REMOVE!!!!! 

If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed. 


Please see this matter is removed at once.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian not add my address to my credit report and talk to 10 agents and 15 agents And I give hard time add my address to my credit report I talk to dispute office and they wont not help update my credit report and put my address on there And I sent my state Id and my spectrum bill over to them and my address still not on there and they lie too my they told wait 24hours to 74hours and nothing fix my account it been like this since to XXXX  in XXXX and they still not help resolve this issue
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information unde

r 15 U.S.C. 1681 and 15 U.S.C. 1681b. Accounts ( 3 )
: XXXX XXXX XXXX Inquires ( 7 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CO)

I have screen shots available of my call log. 

My auto payment from Citi didn't process due to account funds ; within less than a week of this occurring, they started the non-stop calling for ~ {$160.00} payment. As of Monday, XXXX, I made the payment online today for the past due plus the current payment to bring my account current. 

All times in MST, as I live in XXXX  XXXX, XX/XX/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