davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX Hunter Warfield, 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 an 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Attempted to order and XXXX from XXXX using " easy pay '' which allows multiple payments. XXXX issued account inquiry. All accounts credit bureau accounts are frozen ( which was confirmed ). Experian however replied reporting - HIGH RISK ORDER INFORMATION. 

XXXX cancelled the order and provided the letter attached to this complaint. If accounts are frozen with the credit bureaus in order to prevent fraud, then the credit bureaus should respond with that message, not a negative message indicating that the consumer presents a risk. 

In addition to this information, the credit bureaus SHOULD NOT be selling so-called credit services and presenting non-reliable vanity scores. Since at least 90 % of all financial decisions related to consumers is based on information that the bureaus collect without explicit consumer consent, they should just stick to that business and guarantee that they are providing credible, accurate, and non-damaging information with each and every single inquiry response.
Consumer complaint received 2023-11-03
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

An address on my on my credit report with XXXX XXXX as the address is incorrect. I sent in a certified letter to Experian in XX/XX/2023 along with my driver 's license and paycheck. This information is incorrect and Experian is violating my rights by not removing this inaccurate address.
Consumer complaint received 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

The transaction involves a payment attempt through the merchant XXXX which is offering a joint promotion with PayPal Credit dependent on amounts spent between XXXX, ending at XXXX PDT -- i.e., Get 0 % APR for 12 months on purchases of $ XXXX and Get 0 % APR for 24 months on purchases of $ XXXX. The purchase amount is for XXXX -- inclusive of taxes and other discretionary expenses. However, once I click on the Pay with PayPal credit link they are not offering the terms of {$40.00} for 12 months as stated under PayPal 's Credit watermark on the original checkout pay on XXXX. This promotion seems either fraudulent in terms of being bait and switch or so poorly implemented that the two companies should have an enquiry opened to encourage meaningful consumer protections.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (AP)

I am a XXXX veteran. I have been banking with Navy Federal Credit Union for 27 years. I received a letter saying that due to " unsafe '' transactions they will close my account. There is no explanation, no one will give me any information. I work on bases overseas in XXXX XXXX and use NFCU as my personal and business account. No information has been given about why, and I've been told there is no one who can explain or change this. The only explanation is " sorry ''
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (NE)

Security Credit Services , LLC has been harassing me and is suing me for a debt that is a result of identity theft and has failed to produce any proof that this alleged debt belongs to me. I've sent them copies of an identity theft police report, IRS Identity Protection letter and an XXXX Identity Theft notice and are in violation of : 15 U.S. Code 1692e - False or misleading representations Nebraska Revised Statute 25-824 Rule 11 of the Federal Rules of Civil Procedure
Consumer complaint received 2023-09-27
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. (CA)

I am a victim of identity theft and XXXX XXXX is reporting a fraudulent account on my Equifax credit file. I have not applied for any account with XXXX XXXX, nor have I given consent for my personal information to be used to apply for any account. Ive made a written request for XXXX XXXX to provide ALL information pertaining to this account including but not limited to Account applications made on paper, online, or by telephone. ( IP Addresses If applied for online ), Account Statements or Invoices, Records of payment or charge slips, Delivery addresses associated with the account Records of phone numbers used to activate or access the account, Signatures on applications and accounts, List of all purchases, dates, times, and locations, and the full Investigators report on this account. No information has been provided. This account is fraudulent and needs to be removed from my credit file immediately.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

My name is XXXX XXXX. I opened a Chase Total Checking Bank Account in the state of XXXX Illinois however I closed my account at a J.P. Morgan Chase Bank located in another state at address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This is the Account Number XXXX. My online account username is XXXX. I also have attached the last bank statement issued which includes the date in which the account had been closed XX/XX/2022 in addition to each transaction starting from XX/XX/2022. According to the creditors and the XXXX XXXX XXXXXXXX XXXX XXXX there are five charges and transactions totaling an amount {$3400.00} in which the creditors sought to recover through the XXXX XXXX XXXX I have attached my most the last issued bank account statement as proof that the account closure happened while there weren't any pending transactions, with a positive balance and in excess of the money in which the creditors claim that XXXX had been owed. 
I have received five emails from the following source XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX regarding an Original Creditor named XXXX XXXX in addition to a different creditor named XXXX XXXX XXXX  . 

These charges and transactions brought against XXXX XXXX are through no fault of his own as this account was closed without any pending transactions. There is a misrepresentation of facts and charges which is unconstitutional to the account holder, XXXX XXXX. XXXX online banking withdrawals take 3-5 business days to process. Visit URL : XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MD)

This is a status of the last complaint with US Bank service. XXXX I am receiving confusing information from the bank. When they call and I speak to representative about the Maryland HAF program status, they state that I need to reject the loan modification and then they would be able to accept the funds. I already did that and confirmed that they would move ahead with HAF program. 
I came home and received the same loan modification documents to sign and return prior to XX/XX/21 stating that my loan would be increased from 24yrs remaining to 40yrs. And no mention of HAF funds. I am unable to resume payments because they are not responding with required data to accept the HAF payment in my behalf. Is there a mediator that can help me? I dont want to lose the opportunity to use HAF funds ( loan ) or lose my home. Signing the loan mod means I would no longer qualify for HAF.
Consumer complaint received 2023-12-08
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. (AR)

I attempted to make a purchase for a vehicle. To my surprise, the dealer explained that I had an identity theft fraud status. He stated I would need to get rid of some things on my report. I purchased my consumer report and saw so many inaccuracies and damages on my report according to 15 USC 1681, which is a defamation of character & causing personal injury to my me and my family. I also was affected in the XXXX Data Breach. I have then applied for an identity theft PIN code, locked my SSN, sent letters multiple times, received no response within a 30 day time frame. I also filed a complaint with FTC.
Consumer complaint received 2023-11-01
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. (TX)

I am writing to inform you that this company made unauthorized inquiries on my personal credit report. I have listed the name of the company below, and the dates the inquiries were made. 
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
Consumer complaint received 2023-12-07
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. (NV)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal account6 from my credit report. 



Account need to be deleted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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)

I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I looked at my credit report on XX/XX/XXXX and I noticed some things are incomplete and not accurate.. I sent a letter to XXXX XXXX XXXX XX/XX/XXXX and I asked them to investigate the accuracy of my report when i received the results I noticed they didn't fix anything. They are breaking Federal Law according to 15usc 1681 ( 5 ) i
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Army and Air Force Exchange Service (KY)

In Accordance with the Fair Credit Report Act, MILITARY STAR, has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I was never late on this account. 
XXXX XXXX XXXX Account XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX. 
Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. I was never late on this account. 
XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, have communicated to the Credit reporting agencies that a collection account they are reporting has been paid in full. I have attached the Release letter from XXXX. The following account is to be removed from my credit report within 14 days : XXXX, XXXX ( Original Creditor : XXXX XXXX
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Just found out tonight that I have a social security variation on my XXXX  credit file. I called XXXX  and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called XXXX XXXX XXXX. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number XXXX XXXX XXXX is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for XXXX XXXX XXXX to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number XXXX XXXX XXXX is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AZ)

I applied for a new card and received it in the mail and activated it. As I was attempting to add the card to XXXX XXXX as it requests in the app as part of the setup steps it asked to verify by sending a text to the phone number on file. I selected that option and never received the text. I tried to have them call and never received the call. I then called in to have them add the card to XXXX XXXX where they requested to call a landline which I dont have a landline to receive the code. They asked to call back later to get a verification code which I did and they called me back on my same number using call waiting and added it to XXXX XXXX. The representative said the card was unlocked and the fraud block lifted. After making a couple purchases on the card it got marked with a fraud alert again. I called back in and they asked if I had another bank account with citi I could verify with as well as a bank account I use to pay Citi which I did not have added yet. The only resolution has been to send a letter to my mailing address which will take 4-7 or 7-10 business days depending on which Citi rep you are talking to. They are preventing me from using my card as agreed on and they have not been able to tell me at all why the card was flagged as they were normal purchases they asked about and now the fraud block requires a different verification. The citi fraud team has been entirely unhelpful and the methods of verification dont have anything to do with my identity another landline apart from the number I applied for the account with shouldnt be the only alternate route to verify and I can provide ID background info etc but they are not consistent with the options I have to verify from one call to the next. I have requested a supervisor and it has been a terrible experience so far working with them. Part of the reason I applied for the card is due to the bonus miles from using the card but I am unable to spend on the card to achieve the bonus without access to my actual card so it feels a lot like a bait and switch so far. 

My ideal resolution to this would be that they are able to verify my identity so I can use the card and not wait for verification through mail in 7-10 business days when I just received the card to the same mailing address within the last 3 days so another piece of mail sent just proves I am at that address recieving mail but I obviously am if I have the card in my possession and activated it when they sent it to that address.
Consumer complaint received 2023-11-03
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 urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.