davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXXXXXX XXXX  account # XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-04-11
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. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Due to a domestic violence situation in XX/XX/2021 I was unable to pay my bill on time. My finances were compromised by another individual who I was intimately involved with. The police had gotten involved and were able to retrieve my finances. Due to me not being in control Id like for the late payment of XX/XX/2021 to be removed from my credit report as it has negatively impacted my score.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (CO)

XXXX XXXXfortiva closed a card account of mine that was used to purchase my fortiva alarm equipment, I had paid offthe balance early. The account to my understanding was not set to close until 2026. They than issued me a new card issued me a new XXXX XXXX and account all of this was done fraudulently without my express consent. I called fortiva to find out what was going on as it had lowered my credit score closing and adding a new card and was transferred to different people several times which took a lot of time from my day at work. The last gentleman that I spoke to said his name was XXXX XXXX, I recorded the call from that point on. He was very rude with me when I asked how they opened an account and closed accounts without my consent, he explained that they sent an email ( which I never received ) that me not responding to that email meant that they could open a new account and close the other account without speaking to me or asking me for permission. I then asked him for his name and to repeat what he said and asked him if the actions they arbitrarily took would affect or lower my credit score, he stated it would not affect my credit score at all. My credit score has been lowered a total of XXXX points from this.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, 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. (SC)

On XX/XX/ 2023 I received a notification stating that an " EQUIFAX MORTGAGE SERVICE '' ran my credit resulting in an unauthorized inquiry on all 3 credit bureaus XXXX, EQUIFAX and XXXX. I contacted all 3 bureaus and requested that they remove the unauthorized inquiries from my report due to fraudulent activity. I have also sent them my FTC report along with my dispute and they refuse to remove the inquiry from my credit report. The letters were sent on XXXX2023 and it is now 30 days past and the inquiry has still not been removed from my credit report.
Consumer complaint received 2024-04-11
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)

Hello, I'm requesting a re-investigating on this account. I just received my TransUnion File Number XXXX dated for XX/XX/2024. I see this acct XXXX XXXX XXXX XXXX  XXXX came back VERIFIED AS ACCURATE. The other credit bureau XXXX WERE NOT able to properly verify these accounts and was required to remove the accounts from my Credit Report. I have the right to a COMPLETE & 100 % ACCURACY on my credit report with all 3 credit bureaus per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and FCRA 623 ( b ) ( 1 ) ( d ). How were you able to verify these accounts and you all have access to the same information? Please give me the name of the person who verify this account? Also, I have attached a invoice of all the laws you fail to comply with ( 15 U.S. Code 1692d : Harassment and abuse, 15 U.S. Code 1692e : False or misleading representations, 15 U.S. Code 1692f : Unfair practices, 15 U.S. Code 1692g : Validation of debts, and 15 U.S. Code 1692j : Furnishing certain deceptive forms ). You can mail the check to my address that's mention in the invoice. I have uploaded my supporting documents as my proof of these accounts was removed off my XXXX Credit Report Number XXXX. Do not send me any stall tactic letters. Send me a update copy of my credit report. PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY!
Consumer complaint received 2023-12-11
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. (SC)

Per Family Educational Rights and Privacy Act my student loan payment history is not suppose to be reported to any 3rd party and it has. I also have not got any disclosure per each reporting for me to opt out of the reporting per 15 USC 6802. Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

On XXXX I mailed a payment to my Citibank Credit Card ( account ending in XXXX ) in the amount of {$1500.00} in the form of three separate money orders in the amount of {$500.00} each. I included a payment stub with " {$1500.00} '' handwritten in the appropriate field. All three money orders + the stub were sent in the same envelope. 

On XXXX, Citibank applied a payment of only {$500.00} to my account. On XXXX I contacted XXXX XXXX and I was informed that all three money orders had been cashed at the same time. time. 

After speaking to XXXX XXXX, I called Citibank customer service to have the missing {$1000.00} credited to my account. The Citibank agent said that she would submit a trace request and that I would be receiving a form in the mail that I would then have to sign and return so that an investigation can be initiated. I told the agent that I would be traveling outside of the US from XX/XX/XXXX through XX/XX/XXXX, and that I would be unable to sign and return that form. I asked whether the process could be handled either over the phone or via email. She said she would " try '' and request that I be sent an email instead of a letter in the mail, although this couldn't be guaranteed. 

The XXXX XXXX money orders numbers are XXXX, XXXX, and XXXX.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

Citibank XXXX XXXX Credit Card statements for my credit card account ending in XXXX arrives every month and XXXX XXXX uses the company 's automatic billing system to pay our monthly statement balance. We've had this arrangement for many years, having been members since XXXX. We redeem rewards for automobile purchases. Recently, Citibank has experienced payment returns ( due to faulty automatic billing system processing ) and we have had to resolve this issue XXXX times within the past XXXX months. 

On XX/XX/XXXX, we made an automatic billing system payment to Citibank in the amount of {$2500.00}. On XX/XX/XXXX, Citibank issued a letter informing us that our payment was returned. The credit card account went into arrears. Citibank sent us an additional letter dated XX/XX/XXXX that our credit card acct is closed. Please help us to resolve. 

We made a payment today, XX/XX/XXXX, of {$2500.00} to bring the balance current. We would like the credit card account XXXX to be reopened. Thank you.
Consumer complaint received 2024-04-11
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. (GA)

I am writing to dispute illegitimate XXXX XXXX accounts that were opened in my name with XXXX without my consent or authorization. I am a victim of identity theft and did not open or approve these accounts myself. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. 

Specifically, the FCRA ( 15 U.S.C. 1681c-2 ) requires credit reporting agencies to block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, within four business days of receiving proper documentation. Additionally, the FCBA ( 15 U.S.C. 1666 ) states that upon written notification of potential identity theft, creditors must cease collection activities and conduct a reasonable investigation within 30 days. 

I am formally requesting that the CFPB take the following immediate actions : 1 ) Pursuant to the FCRA, investigate this matter and ensure the prompt removal and blocking of any XXXXt accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( XXXX, XXXX, TransUnion ) within four business days. 

2 ) Under the FCBA, require XXXX to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

3 ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

I have enclosed copies of the identity theft affidavit and report I filed with the Federal Trade Commission and my local police department, verifying that I am a true victim. As an innocent party, I should not be penalized for fraudulent accounts opened illegally and through no fault of my own. 

Please promptly investigate this identity theft crime and take the requested actions immediately per the FCRA and FCBA laws. I look forward to your resolution of this serious matter within the mandated 30 day period. Let me know if any other information is required.
Consumer complaint received 2023-02-27
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have been a victim of identity theft for over 25 years. I have a current police report I sent to Chex Systems currently on file. The following reported information and inquiries viewed only by you currently listed and showing on my Chex Systems Consumer Report : XXXX are fraudulent and not my bank checking account or inquiries : XXXX XXXXXXXX XXXX XXXXXXXX. Account Number : XXXX, Account balance : {$16000.00}, Account Closure Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX I have never opened or had a checking account with XXXX XXXXXXXX XXXX  The XXXXXXXX XXXX XXXX is a fraudulent account and not my account. The inquiries are fraudulent and unauthorized inquiries. They arent my inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2018 I filed a complaint with Experian to remove a fraudulent account from my credit report. Both XXXX and XXXX  have recognized the account in question to be fraudulent and have removed it. The account is XXXX XXXX XXXX. I currently have an open complaint with the CFPB that XXXX has not responded to. I can not understand why Experian is the only reporting agency refusing to delete the account. Everyone else agreed this account is fraudulent. My credit is being held XXXX. I can not obtain housing with this fraudulent lein on my credit. If I owed this money it would have been paid long ago. They officially refused to delete it today XX/XX/2018. There is no reason for Experian not to recognize this as fraud. XXXX has provided no proof of they're claims. They are not responding to CFPB inquiries. They have not provided photographic evidence or any proof for that matter. This needs to be deleted immediately. I can not get housing. I am XXXX. I am on XXXX. I am a veteran. XXXX XXXX XXXX and Experian needs to do the right thing. You guys are going to cause me homelessness. By way of XXXX  and extortion. Please help.
Consumer complaint received 2024-04-11
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. (TX)

I've been down this road before, tirelessly disputing the same inaccuracies on my credit report time and time again, only to see them resurface like a stubborn weed! It's beyond frustrating to continually fight this uphill battle, providing evidence and explanations, only to have my efforts seemingly fall on deaf ears. How many times must I go through this exhausting process before someone takes notice and actually corrects the errors? My patience is wearing thin, and rightfully so! It's about time the credit reporting agencies take their responsibility seriously and finally address these inaccuracies once and for all!
Consumer complaint received 2024-04-11
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. (VA)

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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

XX/XX/XXXX I was enrolled in the Network Administrator program at the XXXX XXXX XXXX XXXX and attended for about a month then our program was shut down due to COVID. 
Unfortunately, we ( all of the students ) couldnt continue our schooling as the pandemic continued to cause delays in us returning to the classroom. 
To my surprise I received a bill for $ XXXX stating I owed this money for the program I wasnt ever able to complete, due to the pandemic. 
Then, I received a credit bureau alert stating that my credit scores had dropped by XXXX points because a collection agency by the name of XXXX XXXX added a new collection for $ XXXX to my credit report. When I researched this further, I realized it was for a debt that was in no way owed by me to XXXX XXXX. 
I contacted XXXX XXXX at XXXX XXXX XXXX XXXX back in XX/XX/XXXX requesting assistance to get this resolved however I never heard back from any. I am asking that the CFPB please step in and help me as I dont owe this debt as I wasnt ever able to attend the classes I had signed up for.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was in the hospital I had Fraud on my account I had both cards in my possession and I noticed there was 3 charges and 1 payment that I did not do I called capital one they said no problem we will reverse the charges and make a note of they payment wasnt you and it will not effect my account because I already paid over my min payment early and then I noticed my card account was closed before I can activate my new card and the rep said it was for my own protection and guess what I cant open a new card anywhere because of the XXXX that is not my fault
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

American Express offers referral bonus of XXXX miles for every person who opens an account with that referral link. I opened an account with a friend 's referral link and due to a website error, they didn't get the bonus. Attempts to get this remedied were met with them saying it wasn't possible and that it was my fault. They are unwilling to credit the referrer 's account with the promised reward and simply transfer me to another department or hang up on me.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: General Motors Financial Company, Inc. (TX)

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GM FINANCIAL with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2023-05-25
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. (MD)

I'm " XXXX XXXX XXXX, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. The following accounts needs to be corrected immediately : XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Balance Owed : {$7400.00}.
Consumer complaint received 2024-04-11
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX  accounts # XXXX opened XX/XX/XXXX and XXXX XXXX XXXX XXXX # XXXX opened XX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-12-11
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. (GA)

15 usc 1692 ( b ) account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated this law and needs to be removed ASAP. 

15 usc 1681 ( B ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violates this law and needs to be removed ASAP. 

Credit reporting agency should not have the right to knowingly and willingly violate the law on any consumer report
Consumer complaint received 2023-04-21
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. (PA)

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. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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.