davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I spoke to Citizens Bank in regards to an old credit card that I had with them and that was eventually paid off, XX/XX/XXXXXXXX  for {$320.00}. It is marked correctly on my credit report as balance settlement. The issue is when I went to Citizen 's Bank on or around XX/XX/XXXX, I was notified by the teller that I still owed {$710.00}, for the credit card, which should have been deleted from their system once the settlement was made. I was also advised that somehow I still owe the bank around {$430.00} between two old checking and savings accounts. I was unaware these accounts were delinquent and had I know this was an issue, I would've included it in my XXXX  XXXX Bankruptcy plan. I was with Citizens Bank for nearly XXXX  years into adulthood, and the issue of the bank accounts was always a computer error on their part, when they authorized a payment of {$370.00} when I cancelled the entire payment series, causing my account to have issues at the time, sometime XX/XX/XXXX.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-26
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. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-08-26
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2024-04-06
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (FL)

Incorrect Debt Collection Impacting XXXX  [ XXXX Customer Service ] , I am writing to urgently address a significant issue regarding a debt collection placed under my name, which is negatively affecting my credit report. Despite multiple attempts to resolve this matter over the phone, I have yet to see a satisfactory resolution.It has come to my attention that there is an account open under my name with XXXX that I did not authorize or create. This account has been sent to a debt collector, resulting in a detrimental impact on my credit score. I have made numerous calls to XXXX XXXX customer service department to request the cancellation of this unauthorized account, but unfortunately, my efforts have not been successful.I am deeply concerned about the implications of this incorrect debt collection on my creditworthiness and financial well-being. As such, I urgently request your assistance in resolving this matter. I kindly ask that you promptly investigate the unauthorized account in question and take the necessary steps to have it canceled and removed from my credit report.I have attached any relevant documentation. I would appreciate it if you could acknowledge receipt of this email and provide me with a timeline for when I can expect a resolution.Thank you for your attention to this matter. I look forward to your prompt response and assistance in rectifying this situation.
Consumer complaint received 2023-03-25
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. (IL)

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

Account name : Bankruptcy XXXX XXXX-discharged reference number 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 aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-06
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. (OH)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
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
Consumer complaint received 2024-01-19
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. (IL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (FL)

Clark County Collections started reporting, illegally, with the credit bureaus. I sent a letter asking them to validate and prove this account belongs to me since I live in XXXX XXXX XXXX and they sent a statement from the original company and told me to call the original creditor directly. However, this is illegal as Clark County now has this file and needs to legally provide all the information I am requesting.
Consumer complaint received 2024-04-06
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. (OH)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (SC)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Unauthorized Hard Inquiries on my account include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX  XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXXXXXX XXXX XXXXXX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. XXXX XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reported for : OVERDRAFTS Date of closure : XX/XX/XXXX XXXX / ACCT # : XXXX / XXXX Charge off amount : {$1300.00} Source of information : FIFTH THIRD BANK ; XXXX XXXX XXXX, XXXX, OH XXXX Reported for : OVERDRAFTS Date of closure XXXX XXXX  / ACCT # : XXXX / XXXX Charge off amount : {$1500.00} Source of information : XXXX XXXX  : XXXX ARROW XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Reported for : ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX / XXXX Source of information : XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Reported for ; ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX Charge off amount : {$3900.00} XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquirer Date ; XX/XX/XXXX Inquirer ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquirer Date ; XX/XX/XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX On Behalf Of ; XXXX XXXX XXXX  ; XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$2500.00} XXXX XXXX XXXX/DEPT OF ED XXXX - {$3600.00} XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$3500.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (CA)

Last week I went to the movie theaters and I tried to make a purchase to pay for my popcorn, and I noticed that my debit card declined. I looked at my checking account and I saw that I had adequate funds but then I noticed at the top it says that my account is frozen from my protection, and to contact customer service, I went ahead and watched the movie and decided that I would contact customer service after the movie because I didnt want to miss the movie. After the movie ended, I contacted Credit Karma and I was notified that my account was being investigated by a higher department, and that I would be notified in 7 to 10 business days Why my account is being investigated. I was not aware of my account being investigated due to having a Credit Karma money account for nearly 4 years. Ive never had any issues with Credit Karma so Ive been receiving direct deposit through Credit Karma as well as receiving tax refunds, and even financial aid through Credit Karma, Ive never had any issues with Credit Karma but all of a sudden I see that my account is frozen and when I tried to call the customer support to unlock my account all they could tell me is that my account was being investigated and that a higher department would reach out to me within 7 to 10 business days to notify me of the results I need access to my money in order to pay for my bills. I cant even pay for basic needs like food because my account is completely frozen. This is the only account that I have. I dont have any other accounts so all of my money was contained between my savings and my money account with Credit Karma and both accounts are now frozen, I am very XXXX  distressed because I have no access to my money and my job literally direct deposited me my funds for my employment today and I still can not access my money. I dont think that its legal nor ethical to be able to not access your own money that you work hard for and the fact that the company doesnt even have any Way of providing adequate information regarding why my account is being investigated is absurd. I dont know how many people this has affected, but I will never be banking with Credit Karma again once I am able to access my money. if my problem is not resolved within a timely matter, I will have to find out a way to take legal action because I need my money to pay my bills. I need my money to even eat. I need my money to buy and pay for my basic living essentials. This is not right, I work too hard I may not have a lot of money but the money that I do have is mine because I worked for it I worked those hours credit karma should not be able to withhold me from my funds without giving reasonable explanation in a timely matter. Please help me figure out what to do because I am out of options and I really need my money to eat and survive.
Consumer complaint received 2024-01-19
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-19
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 writing to express my dissatisfaction and frustration regarding the second attempts made to remove fraudulent items from my credit report. Despite my previous efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. 

Here are the specific details of the situation : Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. 

Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. 

If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. 

Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. 

Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. 

Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. 

I expect a prompt and thorough investigation into this matter to rectify the situation. If the issue is not resolved to my satisfaction, I may have no choice but to escalate this matter further, including seeking assistance from relevant consumer protection agencies or legal counsel. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-06
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: Experian Information Solutions Inc. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX I applied for a credit card at capital one website. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ). 
Capital One has violated my federally protected consumer rights : 15 U.S Code 1642 which clearly states " No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card. '' I attached a letter that was sent to me dated XXXX XXXX XXXX that is both proof and evidence that I have been discriminated against, therefore that makes capital one criminally liable. Capital One is to resort to reasonable procedures to rectify this affair and compensate me for the use of MY securities. Otherwise, if not rectified, this would be considered securities fraud since I have received NO BENEFIT.