davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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 am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totall devasted because of this situation and I feel someone is playig on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-03-21
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 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 2 out of 3 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (SC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX
Consumer complaint received 2023-12-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Troy Capital, LLC (FL)

Troy capital LLC is attempting to collect a debt and filed a small claims lawsuit for an incorrect amount. I do not have a contractual agreement with Troy capital LLC, I have no knowledge of this debt with Troy capital LLC or what they paid to purchase the debt. My payment of this amount {$5900.00} to Troy Capital LLC will not correct the negative on my credit.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MT)

I have contacted through dispute letter and vocal communication multiple times, both XXXX XXXX XXXX and Equifax. both blame each other for being unable to remove errors or delete incorrect accounts. XXXXXXXX XXXX XXXX has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an Equifax report which has been verified by XXXX XXXX XXXX. The Equifax Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from XXXX XXXX XXXX reported in the Equifax report is Account XXXX is XXXX. I contacted XXXX XXXXXXXX XXXX to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX. There are many errors on this account. The Credit Limit is also blank and missing information ( Error 1 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 2 ). Amount Past Due is blank and missing information ( Error 3 ). The Date of Last Activity is Reported as XX/XX/XXXX, this is Incorrect ( Error 4 ). The date of Last Payment XX/XX/XXXX is also incorrect ( Error 5 ). The Actual Payment Amount is Missing ( Error 6 ). The Scheduled Payment information is missing ( Error 7 ). Date of 1st Delinquency is blank ( Error 8 ). Date Maj Del 1st reported is missing information ( Error 9 ). This account according to XXXX XXXXXXXX XXXX  was opened XX/XX/XXXX with the last payment reported XXXX ( 2 years later ), Yet there is no payment history. The payment history is missing ( Error 10 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. The account is to be deleted from the consumers report. This report has many mistakes.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Portfolio Services, Inc. (TX)

XXXX  XXXX XXXX is stating on my credit that Ive applied for them but when I go look for a account with my name there is nothing there when I call them they say it does not show that Ive applied for any loan from them so I dont understand why would it be on my credit.
Consumer complaint received 2023-09-18
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. (CA)

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bureau of a 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 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 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

I have contacted through dispute letter and vocal communication multiple times, both First Interstate Bank and XXXX. both blame each other for being unable to remove errors or delete incorrect accounts. First Interstate Bank has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an XXXX report which has been verified by First Interstate Bank. The XXXX Report is dated XX/XX/XXXX. The Confirmation XXXX XXXXXXXX. The account from First Interstate Bank reported in the XXXX report is Account XXXX is XXXX. I contacted First Interstate Bank to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX. There are many errors on this account. The Credit Limit is also blank and missing information ( Error 1 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 2 ). XXXX XXXX XXXX is blank and missing information ( Error 3 ). The Date of Last Activity is Reported as XX/XX/XXXX, this is Incorrect ( Error 4 ). The date of XXXX XXXX XX/XX/XXXX is also incorrect ( Error 5 ). The Actual Payment Amount is Missing ( Error 6 ). The Scheduled Payment information is missing ( Error 7 ). Date of 1st Delinquency is blank ( Error 8 ). Date XXXX XXXX XXXX reported is missing information ( Error 9 ). This account according to First Interstate Bank was opened XX/XX/XXXX with the last payment reported XXXX ( 2 years later ), Yet there is no payment history. The payment history is missing ( Error 10 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. The account is to be deleted from the consumers report. This report has many mistakes.
Consumer complaint received 2023-11-17
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. (IL)

I didnt make the inquiries on my credit report. I disputed them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Hello I have multiple reports on my credit that were not verified or not mine. I have disputed it with all three credit bureaus and they removed it from some beuras but not all there is a collection account for collection services that was not me for {$190.00}. Also there is a credit card that was opened while I was in Virginia and was not me with XXXX  XXXX. These need removed. I disputed them and then XXXX and XXXX said it was verified correctly but when I asked for verification method and sent to me that I have a right too by federal law in 30 days they sent nothing. They were not me and they wont remove it if this doesnt work I will be sueing them. And no I do not need you to mark fraud I will freeze my credit myself
Consumer complaint received 2023-12-25
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

( Dates are best estimates as my account has been closed by the store by their choice ) I opened a Wayfair credit card in XXXX with Citi Bank. I received my credit card and proceed to make a large purchase of ~ {$2500.00}. Immediately after the online purchase I received communication my order had been canceled. 

I contacted the merchant and had to verify my identity and my credit card information. I was then notified they will redo the purchase on there end. They came back on the phone line, and told me they can not complete the order as it has been canceled and to complete it myself again I completed the same purchase yet again the total price this time was slightly more this time though. Immediately after checkout, I received communication my order was canceled. I contacted the merchant who made me verify my identity and my credit card information. They put me on hold. They came back again this time and told me they would not be processing my order and that I was not permitted to shop with them anymore and I needed to shop elsewhere. 

Still on my card statement to this date is a charge for each one of the attempted transactions for a random amount of money less then the total. Which happens to be the cost of the toilet for the first order and the price of the vanity for the 2nd order. 

I had filed multiple disputes using the online process with citi. After filing the report, I have never received any form of communication other then my dispute has been submitted. I continued disputing it up til the date that I received my statement for the 2 charges that should not exist even though the dispute confirmation letter stated the charges would be put on hold and not be due pending completion of an investigation. 

I then contacted citi using the messaging link in a text message I received stating my account was late. The customer service disregarded the information ( all of the above ) and told me they can not help me with this.
Consumer complaint received 2024-03-21
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. (FL)

Consumer revoked furnisher, XXXX XXXX  ability to report my private information to any non-affiliated third parties per FCRA and the Electronic Transfers Act. 

Furnisher response : Due to your dispute, we will continue to report your account as 'disputed ' until you advise XXXX to remove the dispute status. We report to the following credit bureau reporting agencies : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They are willfully non-complying with my request and under FCRA and the Privacy Act of 1974, that is a violation. Under the FCRA, willful non-complying carries a penalty of {$1000.00}, per violation ( 15 U.S. Code 1681n ). My privacy is being violated by the furnisher and the non-affiliated third party agencies listed above. Please remove the trade line. 

Each month after the date of XX/XX/XXXX that XXXXXXXX XXXX continued to report is a willful violation on their part and any third party reporting my private record. 
5 US Code 552a.
Consumer complaint received 2023-08-28
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (PA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I opened an inquiry against XXXX # XXXX XXXX weeks ago. This company while they supposed to answer me about the inquire, they emailed me today stating my credit changed, it looks they ignored the Dispute I filed against CITIBANK VISA for services not rendered for the amount of {$1000.00}. ( CITIBANK VISA it looks lie to the CFPB in their previous responses when I opened at least 7 inquires for the dispute amount of {$1000.00}, The said they will report this account as Disputed In fact, Citibank according with XXXX stated CITIBANK is Flagged this account as past due account and Delinquent and even They added additional Charges to the Dispute Account for a total of {$1100.00}. 
XXXX is aware of the dispute on this account instead to correct it and remove it XXXX made it worst adding even a wrong amount {$1100.00} and Branded the Account as DELINQUENT/POTENTIALLY NEGATIVE. 
I went in its XXXX website to file my concern and demand them to remove this account as delinquent/potentially negative, The same I'm doing here, If they don't remove it then I don't have more option than file a Lawsuit against them and Citibank Visa for reporting a damaging credit report. I'm attaching here the same documentation I did in their website.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I requested a wire transfer of {$240000.00} from my online saving account ending XXXX in Marcus by Goldman Sachs to my XXXX XXXX checking account in the morning of XX/XX/2023. Their web site says the wire transfer should be processed in the same business day if the request is initiated before XXXX that day. Because I did a wire transfer from the same saving account in Marcus by Goldman Sachs to the same XXXX XXXX checking account on XX/XX/XXXX and the transfer was processed on XX/XX/XXXX, I am expecting this wire transfer should be processed on the same day because the money is wire transferred to the exact same bank and account. But my wire transfer was not processed on XX/XX/XXXX. So, I contacted Marcus in the evening of XX/XX/XXXX and the agent has no idea and submitted an expedited request for me. In the morning of XX/XX/XXXX, a customer representative from Marcus called me and said they need verification of my ownership in another bank to process the transfer and another bank customer service representative is in the conference call already. I answered all the questions from another bank customer service representative in the conference call and they verified my ownership successfully. Then I ask the Marcus representative when my wire transfer will be processed since you already verified, and I need this wire transfer be processed asap. Then she asked me why you are moving this money to XXXX XXXX. This really made me feel not comfortable, but I still told her because XXXX XXXX has better rate and promotion to open an account and that is why I need this wire transfer to be processed asap so that I can meet the promotion deadline. Then she told me she can not tell when, the wire transfer will be approved by another group. 
Again, my wire transfer was still not processed by the end of XX/XX/XXXX. So, this morning on XX/XX/XXXX, I contacted Marcus again and the representative told me it is still in process, and they don't know when. 
This is ridicules. I chose wire transfer because I think this is the fastest way to transfer money from XXXX bank to another bank. I followed their procedures to initiate the wire transfer and verify my ownership in another bank account, but Marcus seems trying to hold my money and doesn't want to lose my deposit to another bank with no reason. The domestic wire transfer should be completed within 1-3 business days and normally within 24 hours. I already did a wire transfer before from the same account in Marcus By Goldman Sachs to the same account in XXXX XXXX and I even verify my ownership of another bank account with them again and told them to contact me if anything is needed and I just need this wire transfer be processed asap. But still my wire transfer is not processed.