davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Back in XXXX of 2022, I was XXXX XXXX XXXX due to XXXX XXXX issues. This health problem was very unexpected, I had a XXXX XXXX XXXX and I had to be rushed to the hospital. Since I was under XXXX XXXX, by the time I woke up and started my XXXX XXXX I realized that my XXXX XXXX XXXX had reported a late payment. Please understand I was almost XXXX XXXX, therefore I had fell behind and this has happened only once. Once I was awake and able to check my finances I brought my account current.
Consumer complaint received 2023-12-27
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX Balance {$7300.00}
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX Inquiry : XXXX XXXX 2022 XXXX XXXX XXXX Inquiry : XXXX XXXX 2022 XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-27
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. (FL)

At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. I am requesting to you to please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I got scammed a week ago. Tried to buy some account which is value {$2000.00}. the scammer wanted me to pay via XXXX. I paid several time but scammer said XXXX account had some problem to find the money. There was minimum for withdraw on XXXX, asked extra money to refund all the money. Then XXXX blocked my account so They wanted to pay in Bitcoin instead. I know it is stupid mistake but They kept demanding my money hostage. I requested refund money back to XXXX and Citibank but they rejected. I have all the chat history to proof it. I have over 100 screen shots for conversation. 

they are holding {$5500.00}
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
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: 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 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 2023-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NH)

On XX/XX/XXXX I called CitiBank to let them know that I could not access my savings account for the purposes of submitting a withdrawal. They informed me that my account was locked because there was no Withdrawal/Deposit activity since XXXX The account has been earning monthly interest each month and I would see the balance increase in my monthly statement, so I never thought anything of it. 

They instructed me to send a letter requesting reactivation of that account to their service center in XXXX XXXXXXXX XXXX. I sent a letter via USPS on XX/XX/XXXX. One week later I did not hear back anything, so I called to check on the status of my request. They asked for the tracking number which I supplied, and they looked up the status on USPS site and they indicated it was delivered on XXXX  That surprised me because priority mail indicated an expected delivery date of XXXX 

So at that point they only had the letter one day and the call center person I spoke too indicated that she would send an email to processing center to expedite the process. It is now XXXX  so I followed up with CitiBank again. This time they gave me the same run around. I asked to speak to a supervisor, and she asked me for the tracking number again. Well at this point I had discarded it because the letter was delivered, and they already confirmed the date the processing center received it. The supervisor said that she would resend another email to processing center because she said there was no mention in my file of an email being sent to the processing center from the call center. I gave her the call center person 's name, but she said that was of no help. I then requester a number to speak to someone in a branch office or processing center and she declined my request saying they don't do that. So again, no way to pursue this correspondence. Terrible business practices. 

I'm once again in a loop of correspondence that is leading nowhere. I stressed the importance to gaining access to that account and she said Well it will be at least 3-5 days until we'll probably hear something. At this point I am infuriated and told her on the phone that I would be submitting a complaint to your organization concerning this matter. If they record their calls as they say they XXXX, it will be on record, concerning my sincerity about this matter.
Consumer complaint received 2023-12-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

I have a {$200.00} AMEX gift card. I tried to use it at multiple gas stations and even by prepaying and it gets declined. Its declined at the grocery store. Despite the fact on the website it says you can add it to XXXX XXXX you cant. You cant add it to food delivery apps or use it on XXXX. It gets declined or is not able to be added to anything. The original amount is still on the card and its active, but XXXX cant use it. When Ive called customer service the response I get is that the enhanced security features cause it to decline. It is a gift card that cant be used.
Consumer complaint received 2023-02-27
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: Experian Information Solutions 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 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 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.

I SENT IN LETTERS TO DISPUTE THE CLAIMS TO THE CREDIT BUREAUS. THE CERTIFIED MAIL RECEIPT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. I AM INCLUDING THE CERTIFIED RECEIPT NUMBERS BELOW FOR ALL CREDIT BUREAUS I SENT THE INFORMATION FOR DELETION TO.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/2017 Synchrony Bank reported a delinquency to XXXX for a valid debt of {$1100.00} with the account # ending in " XXXX ''. Years later when I attempt to negotiate a settlement XXXX XXXX XXXX, the collection agency they turned the debt over to. XXXX said that it was " XXXX '' accounts roughly for the same amount of money and I vehemently objected! Stating that I only rec 'd service from the dental company one time and one time only. I've asked Both XXXX XXXX XXXX to provide me valid proof of the XXXX account and name of the dental company here in XXXX Tx so I can go and prove this error yet they both refuse to do so! I finally got XXXX to delete both entries off my credit profile only to have XXXX turn right back around and put them both on my XXXX XXXX XXXX credit reports! I mailed a certified letter to XXXX requesting proof of XXXX " bogus '' account and name of the dental company that I rec 'd service from to no avail. In the meantime XXXX wants me to settle 50 % on both accounts w/o any proof or justification. I will send you all the documentation I have dealing with these two very unscrupulous companies! As they are directly stopping me from purchasing a home for my family, because I simply refuse to pay for the same account twice!!
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

Pursuant to 18 USC ( 8 ) I owe no debt this company is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1681A ( 2 ) ( a ) ( i ) Late payment 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1692e false or misleading representation Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA 605B might be the one that says we should take out any wrong accounts from my credit report. Could you check the papers, please? Some accounts listed have wrong reporting, including amounts and dates.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Reporting Credit Act this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. My XXXX account is reporting as late, please remove these late payments immediately. My XXXX account is reported as late, please remove late payments immediately. My XXXX XXXX is reporting late, please remove these late payments immediately. My XXXX  is reporting as late, please remove these late payments immediately.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

This is XXXX XXXX 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 2024-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bell Global Solutions LLC (TN)

Since XXXX XXXX days, I have XXXX different calls missed from a company addressing themselves as Bell Global XXXX XXXX I have done research online and feel it is likely a company buying old debt, or not even actual debt but just information. In the past I did have overdue credit cards but I have worked hard and repaired my credit to where my credit report does not show anything in collections. 

Anyways, Bell Global is supposedly run by XXXX XXXX, who used to work at XXXX XXXX XXXX, which has had multiple lawsuits filed against it for bad debt collection practices. Bell Global also has not sent me any sort of letter correspondence. Bell Global does not have a debt collectors license in the state I live in, nor shows up as a business entity in my state ( Tennessee ) period.
Consumer complaint received 2022-11-24
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. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX OH ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX have 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.
Consumer complaint received 2023-12-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

Formal Complaint Regarding Identity Theft and Inaccurate Debt Reporting by Allied CollectionXXXX XXXX XXXX XXXX 

I am writing to file a formal complaint against Allied Collection concerning a debt associated with XXXX XXXX XXXX. The account in question has a sum of {$3400.00}, and I am disputing its validity. I do not know this account, and it is not mine. My primary concern is the impact it has on my credit report. 

Account Information : Collection Agency : Allied Collection Original Creditor : XXXX XXXX XXXX Debt Amount : {$3400.00} Background : In 2022, I filed an identity theft report with the Federal Trade Commission ( FTC ) under the reference number XXXX. This report was submitted to address fraudulent activities and unauthorized accounts opened in my name. The debt associated with XXXX XXXX XXXX is one such account, and I am formally disputing its accuracy. 

Requested Actions : Deletion from Credit Report : I request that Allied Collection promptly remove the account in question from all major credit bureausXXXX,  XXXX, and XXXX. The inaccuracies on my credit report are negatively impacting my credit score and overall financial standing. 

Verification of Debt : I ask for a thorough investigation into the validity of this debt. I have attached a copy of the identity theft report submitted to the FTC for your reference. 

Cease and Desist Communication : I request a cessation of all communication from Allied Collection related to this disputed debt. Pursuant to this request, please refrain from any further attempts to collect the debt or report it to credit bureaus. 

Enclosures : Copy of Identity Theft Report ( FTC Report Number : XXXX ) I understand the seriousness of identity theft and the importance of maintaining accurate credit information. I appreciate your prompt attention to this matter and request that Allied Collection comply with the necessary actions outlined above.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-20
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. (GA)

I am the XXXXXXXX  on 5 student loans for my daughter that were reported on my credit report by XXXX XXXX as 30 days past due on XX/XX/XXXX. 

The loans have been in in-school deferment as of Fall XXXX. My daughter 's graduation date is scheduled for XX/XX/XXXX. XXXX XXXX had an incorrect graduation date that showed her graduating in XX/XX/XXXX. The school subsequently sent documentation to XXXX showing her IN SCHOOL in XXXX  and a graduation date of XX/XX/XXXX, with no lapse of enrollment. 

I requested that XXXX XXXX reverse the credit reporting of a 30 day past due because the document from the school verified her enrollment at the time of the reporting. I was told by TWO customer service representatives, on two separate occasions, that I had to file a dispute with the credit bureaus to have the reporting removed. However, when I filed the dispute with the credit bureaus, XXXX XXXX did not reverse the past due reporting. Instead, XXXX XXXX verified that the past due reporting was correct. 

I am disputing this reporting for two main reasons ; 1. The letter of verification from the school explicitly states she was in school from XXXX to XX/XX/XXXX. There was no lapse in her in-school enrollment, and therefore no legal reason to remove her in-school deferment, and therefore no payment was due. The negative reporting by XXXX is illegal and an egregious abuse of power, since the consumer can not change any reporting made to the credit bureaus. The written verification from the school was sufficient to warrant a reversal of the late payment reporting. 

2. As a XXXX, I should have been notified in writing of the pending past due payments. However, I did not receive any written notification. I learned of the past due reporting from the credit bureaus. Legally, I am entitled to written notification. Upon reviewing the account online, I noticed that XXXX XXXX had changed my address to a Washington address, without my knowledge or consent. I do not live in Washington and did not request or authorize a change of address. 

3. I have made several calls to XXXX XXXX about this matter. Overall, the representatives are inept, show no concern for the customer 's plight, and merely regurgitate company jargon without exercising any critical thinking skills or problem resolution effort.
Consumer complaint received 2024-04-19
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)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.