davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-14
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. (MA)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE FRAUDULENT AND NEED TO BE REMOVED FROM CREDIT REPORT. PLEASE REMOVE ACCOUNTS. I HAVE SPOKE TO THE CREDITORS AND THEY HAVE NOT DONE ABSOLUTELY NOTHING. ITS BEEN OVER 6 MONTHS PLUS AND NO RESPONSE. MY INFORMATION IS REPORTING INCORRECTLY ON EACH BUREAU.
Consumer complaint received 2023-10-24
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. (NC)

I am contacting you because I have found some information that is inaccurate on my credit report. I do not believe these accounts were ever paid late. 
I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are account -XXXX  XXXX XXXX XXXX. # XXXX account - XXXX  XXXX XXXX XXXX # XXXX 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 a a account without my written instructions.

15 U, S. Code 1681a - Definitions ; rules of construction
Consumer complaint received 2023-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (GA)

I applied and was approved for loan options with one main financial, upon completing what they say was required by uploading all documents asked for, I received a call by Branch Manager XXXX XXXX who asked for collateral info for my vehicle, upon the info, he said he would deny me based on the age and mileage of my car. This is indeed discrimination and adverse action. 

RE : Adverse Action I, XXXX XXXX, the consumer and natural person, was denied credit by ONE MAIN FINANCIAL when I applied for a personal loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by ONE MAIN FINANCIAL due to the response I received.

ONE MAIN FINANCIAL is in violation of 15 U.S.C 1642.

U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of ONE MAIN FINANCIAL.
Consumer complaint received 2023-10-24
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. (TX)

Based on these two accounts : 1. XXXX. # XXXX 2. XXXX # XXXX In accordance with the Fair Credit Reporting Act, I filed a complaint with XXXX, XXXX and Experian that my consumer rights to privacy and confidentiality had been violated. 
15 U.S.C 1681 C section A ( 5 ) States no consumer reporting agency may report any consumer information containing any of the following items : 1. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 166B. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

I sent all three agencies certified letters stating the aforementioned consumer laws and still nothing was done. 
The accounts must be deleted from my file if they can not abide by the rules and laws put in place by the government.
Consumer complaint received 2023-10-24
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: EQUIFAX, INC. (TX)

Based on these two accounts : 1. XXXX. # XXXX 2. XXXX # XXXX In accordance with the Fair Credit Reporting Act, I filed a complaint with XXXX, Equifax and XXXX that my consumer rights to privacy and confidentiality had been violated. 
15 U.S.C 1681 C section A ( 5 ) States no consumer reporting agency may report any consumer information containing any of the following items : 1. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 166B. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

I sent all three agencies certified letters stating the aforementioned consumer laws and still nothing was done. 
The accounts must be deleted from my file if they can not abide by the rules and laws put in place by the government.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I sent a letter to you on XX/XX/2023. Its been more than30 days since I contacted you, and still have not heard back from you. 

So, in accordance with the fair credit reporting act convergent accounts that is listed in the letter, 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-24
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 multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Product: Credit reporting 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: EQUIFAX, INC. (CA)

I pulled my credit report, and some of the items are missing from it. XXXX # XXXX XXXX it missing from there, XXXX XXXX XXXXXXXX Its missing from XXXX, XXXX XXXX  # XXXX Missing from XXXX, equifax and XXXX, XXXX  # XXXX XXXX Missing from XXXX and Equifax, XXXX XXXX  # XXXX Missing from XXXX and Equifax, XXXX XXXX XXXX XXXX missing from XXXX XXXX XXXX XXXX XXXX mising from Equifax, XXXX # XXXX missing from Equifax, XXXX # XXXX missing XXXX XXXX and XXXX and XXXX # are XXXX Missing from Equifax.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I opened a Citibank Checking Account Package on XX/XX/2018, I fulfilled all requirements to receive the {$300.00} bonus, and Citi now refuses to credit my account with the bonus even though multiple customer service representatives have confirmed I had fulfilled all requirements.

The requirements were : debit purchases of {$370.00} qualifying bill payment ( 1 or more for 2 consecutive calendar months ) The photo is attached of the promotion sent to my mailing address.

Please reference the following Citi website online " chat '' with Citi representative XXXX   from XX/XX/2018 that confirms I met all requirements for the bonus : XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you.

How may I help you?

You at XXXX, XX/XX/XXXX : Hi, {$300.00} citibank checking account bonus. Could you check to make sure I've met the requirements?

XXXX at XXXX, XX/XX/XXXX : Will do! Please allow me a few minutes as I check your account.

XXXX at XXXX, XX/XX/XXXX : I apologize for the delay ; I'm still checking that for you. Do you mind waiting for another moment?

You at XXXX, XX/XX/XXXX : ok XXXX   at XXXX, XX/XX/XXXX : Thank you for your patience!

XXXX at XXXX, XX/XX/XXXX : When ever you are no longer eligible or miss a requirement, your account gets a flag that can no longer be removed.

XXXX at XXXX, XX/XX/XXXX : In your case, there isn't any XXXX at XXXX, XX/XX/XXXX : so you're meeting all requirements up to date.

XXXX at XXXX, XX/XX/XXXX : Keep in mind when the requirements of the promotion are complete XXXX at XXXX, XX/XX/XXXX : it will take 90 days to process reward.

You at XXXX, XX/XX/XXXX : Does it show in your system that I've spent {$370.00} of qualifying debit purchases?

You at XXXX, XX/XX/XXXX : Does it show in your system that I've had a 1 or more qualifying bill payments for 2 consecutive calendar months?

XXXX at XXXX, XX/XX/XXXX : I'm checking for you.

You at XXXX, XX/XX/XXXX : Thank you XXXX at XXXX, XX/XX/XXXX : I apologize for the delay ; I'm still checking that for you.

You at XXXX, XX/XX/XXXX : ok XXXX at XXXX, XX/XX/XXXX : Thank you for your patience XXXX at XXXX, XX/XX/XXXX : 375.00+ debit purchases was met XXXX at XXXX, XX/XX/XXXX : I also see 2 bill payments : one on XX/XX/18 and one on XX/XX/2018 XXXX at XXXX, XX/XX/XXXX : So as mentioned, it's all meeting the requirements.

Over {$10000.00} was tied up in the checking account until XX/XX/2018 until XXXX XXXX, an in-branch Citi manager who agrees I should receive the {$300.00} bonus, told me I could remove the {$10000.00} as he filed investigations. The following 2 Citi " investigations '' said I didn't fulfill the debit purchases. This is wrong, and my account should be credited with {$300.00} asap. Please remedy and thank you.
Consumer complaint received 2023-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so they should be deleted promptly. I demand these inquiries 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 2018-05-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capstone Credit & Collection, LLC. (FL)

I had lived in XXXX XXXX XXXX, an apartment complex named " XXXX XXXX '' for XX/XX/XXXXyear starting XX/XX/XXXX to XX/XX/XXXX. 

I had signed the lease with my dad 's name, since I was a XX/XX/XXXXt. We had never missed a payment and was on the verge of leaving to another establishment in XX/XX/XXXX. When we told the apartment management that we are moving, they notified us that we had not given ouXX/XX/XXXX notice. 
So the lady notified that it was fine. However, on our departure, we were mailed a letter. Stating that our security deposit had been forfeited and there was another extra month of rent being charged. There was no reason stating why we were being charged for an extra month of rent. But the cost was not even our rent. It was {$920.00}, which was about {$130.00} cheaper than our normal rent of {$1000.00}. I assumed it was due to theXX/XX/XXXX notice. As a result, I decided to look back at our lease. The lease stated that " release of the security deposit is subject to following provision '', and under it was failure to notify of leave within XX/XX/XXXX. So I again assumed that we were being charged for something that was not on our lease. 

After moving out, I went back to the old apartment complex and decided to see what was happening. This was before theXX/XX/XXXX that the apartment complex had given us to dispute it. I went in, and one of the worker stated that their manager was not here and told me to leave a phone number. I did, but there was no call received. So then the collection was sent to a collecting agency. Of which who we called. The man decided to say that " they can do whatever they want '' and " it does not have to say in the lease ''. The man at this firm stated that I was attacking them, when I was solely stating the fact that " hey the lease says only the security deposit will be forfeited ''. The guy stated over the phone " Your credit will be destroyed, and you'll have to live with bad credit '' and repeated such statement in similar manner multiple times before hanging up the phone. We kept getting collection mails from the company. 

So after the first letter, a dispute letter was sent to the collection agency WITHIN XX/XX/XXXX, but nothing was done about it. It explained the situation as a whole and what we wanted to do about it. I have the receipt of the XXXX document that I have sent to the collection agency of the dispute letter, XX/XX/XXXX letters to be exact. One in the name of my father and one in my name. The letter explained the situation and stated that we were in no fault of the collection. 

Now the collection agency has placed the debt on our credit records as adverse credit.
Consumer complaint received 2024-03-14
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-03-14
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry and account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so they should be deleted promptly. I demand these accounts 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 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (FL)

An incident that occurred before I even could receive my license when I was XXXX that was expunged when I turned XXXX keeps re appearing saying I dont have a license when I clearly had to get a license for it to be suspended!!! None of it is true information
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX 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
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX