davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint regarding the lack of response from Transunion, XXXX, and XXXX, the three major credit reporting agencies, to my disputes. As per my records, I sent a second letter to all three companies on XX/XX/2023, but it has been well over 30 days, and I have not received any response from any of them. 

This failure to acknowledge my disputes within the specified timeframe is a clear violation of my rights under 15 USC 1681 ( a ) ( 1 ) ( A ), which states that Transunion, XXXX, and XXXX are obligated to respond to consumer disputes within 30 days. It is deeply concerning that none of these companies have taken the necessary steps to address my concerns and provide a timely resolution. 

To provide further evidence, I have included the tracking numbers from my certified mail for each respective company : - XXXX XXXX XXXXXXXX - Transunion Consumer Solutions : XXXX - XXXX XXXX XXXX XXXX : XXXX I request that the Consumer Financial Protection Bureau intervene and take appropriate action against Transunion, XXXX, and XXXX for their failure to comply with federal regulations. I trust that your agency will investigate this matter thoroughly and ensure that my rights as a consumer are protected. 

I appreciate your attention to this complaint and look forward to a prompt resolution.
Consumer complaint received 2023-09-07
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. (PA)

XX/XX/2022 {$1000.00} secured loan was opened without my consent or knowledge Company name : XXXX Account # XXXX Because of this my credit score has dropped dramatically.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I took out a personal loan through a company called XXXX  online and I made timely payments until I hit a rough patch due to covid hardship. The account was charged off back in 2021. I have managed to pay the account off in full but it still reporting derogatory and paid at the same time. I just want this account deleted off my consumer report. I am trying to buy a house soon and I am doing all I need to get my report healthy.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-09-12
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. (CA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-08-01
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. (TN)

I got a update that my credit had changed due to some someone checking my credit resulting in multiple inquiries. These are not mine inquiries and I don't have any credit from these inquiries. Please remove these FRAUDULENT ACCOUNTS. I have reached out and mailed certified letters and proof to the listed credit reporting agencies multiple times. They have failed to provide me any PROOF or a wet signature that these transactions were mine. I have NO knowledge of any of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2023-08-01
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. (MD)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-04-26
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (IL)

On XX/XX/23 a charge of {$130.00} was made to my Apple Card ( Goldman Sachs ) through the XXXX app for an accommodation stay at the XXXX XXXX in XXXX NY. At arrival to the property for check-in the front desk attendant indicated that their printer was broken so I could not receive a printed confirmation of check-in. I was given a room key for another hotel ( XXXX ) and upon entering the room I found it to be in deplorable condition with a non-functioning AC unit blowing out hot air while emitting a terrible smell. I went down to the front desk to request another room and the front desk attendant was combative indicating that it was a take it or leave it reservation. He would not even go up to the room to assess its condition. I immediately contacted XXXX support notifying them of the situation. They could not reach the property by phone or e-mail. I was left without a place to stay for the night and had to rely on waiting in public spaces until the next day when I found availability at another property. When XXXX finally was able to get in touch with the property to request a refund waiver it was denied as they claimed I never arrived for check-in. 

A dispute was opened with my Apple Card XXXX in which after several attempts to have it resolved they sided with the merchant with the default determination that a refund credit could not be granted due to the property claiming I did not arrive for the reservation check-in.
Consumer complaint received 2023-09-12
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. (NJ)

I am writing to you today in an urgent and aggressive manner to dispute a fraudulent accounts that has been reported on my credit report. This accounts is a result of identity theft, and I am deeply concerned about the potential harm it may cause to my financial well-being. I expect TransUnion to take swift and thorough action to investigate and resolve this matter. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-09-12
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. (NJ)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-09-12
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: BARCLAYS BANK DELAWARE (GA)

These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX BARCLAYS BANK DELAWARE XX/XX/XXXX  XXXX XXXX XXXX XXXX I disputed them with creditor and credit bureau but they remain on my credit report!
Consumer complaint received 2023-09-12
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. (DC)

I'm 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. 
XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$17.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2023-09-12
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. (SC)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I HAVE BEEN VICTIM OF IDENTITY THEFT. 
I SENT : -A POLICE REPORT -A FTC Report date documents were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX did not remove these fraudulent accounts that i am not responsible for violating my consumer rights. 
desired resolution : delete thes fraudulents accounts like XXXX and TRANSUINON DID. 
Fraudulents accounts : -Account # XXXX XXXX XXXXXXXX XXXX {$1000.00} -Account # XXXX XXXX XXXX Balance {$6300.00} -Account # XXXX XXXX XXXXXXXX XXXX {$650.00} -Account # XXXX XXXX XXXXXXXX XXXX {$1600.00} -Account # XXXX XXXX XXXX {$580.00} -Account # XXXX XXXXXXXX XXXX  {$2200.00} -Account # XXXX XXXX XXXX {$2000.00} -Account # XXXX XXXX XXXX  {$740.00} -Account # XXXX XXXX Balance {$4100.00} -Account # XXXX XXXX XXXX  Balance {$1000.00} -Account # XXXX Balance {$23000.00} -Account # XXXX XXXX XXXX {$1300.00} XXXX # XXXX XXXX balance {$460.00} -Account # XXXX XXXX XXXX XXXX Balance {$11000.00} -Account # XXXX XXXXXXXXXXXX XXXX balance {$55000.00}
Consumer complaint received 2023-07-08
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. (GA)

This is my numerous request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (TX)

I was contacted in regards to a refinance and I accepted the rate and signed in XX/XX/XXXX. I was later contacted and advised that paperwork was being audited and that there was a mistake made by the notary and that it was nothing that I did wrong. Due to the error made Village Capital was offering me a better rate and a lower monthly payment that it would not be due until XX/XX/XXXX. The loan officer set a date and time for the notary to come back out for me to resign the paperwork on XX/XX/XXXX. That date came and passed and the notary did not come as planned, I reached out to the Loan Officer to try to let him know and see if we needed to reschedule and he never responded. I called  and emailed weekly with no response on the status of this refinance, the last time I spoke with my loan officer I asked him if this takes more time than expected would it affect my score or what I should do and I was advised that since I'm in the middle of a refinance I will be fine. I checked my credit report today and noticed that I have a 30 day late payment and no one has returned my calls to let me know what is going on. I have emailed and called several times with no response and no one is telling me anything.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GVA Holdings, LLC (MN)

I had issues with a credit report that was different from the reports I have access to. 

Credit reports are being withheld and the numbers used aren't being shares with consumers who need to know exactly where they stand before applying for credit and further damaging their sensitive information. 

My credit score with XXXX had never been under XXXX for the last 24 months and when I applied for a rehab loan it was reported I had a XXXX. 

I was told by the company there's 20 different reports, I was sent a credit report directly from XXXX and the report was even higher at XXXX. Then once I requested information and later applied for credit the score dropped XXXX points to XXXX. 

Then I later was refinancing the same home that I was trying to get a rehab loan on and was told XXXX had my score at XXXX. In these months credit score has been all over the place and when logging on to XXXX XXXX I discovered several erroneous findings showing {$90000.00} debt and collections which I don't even have. 

Somehow its seems retaliatory or vindictive to have my scores assaulted and manipulated to further my business and financial demise since lending and credit is a huge part of advancement and it's unfair and unjust.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

On XX/XX/2022, I received an email from CITI that " Your Citi account ( XXXX ) will automatically close within 60 days ''. It writes " We periodically review customer accounts and assess account activity. Based on a recent review of your Citi ( R ) Accelerate Savings account, we found that you have violated the terms of your account per the client manual. '' I contacted them on XX/XX/2022, regarding this issue, but they didn't tell me which term I violated. And I was told to wait 30-60 days to get my money back and if I hope to get my money back earlier, I need to visit a local branch. But the closest CITI branch is over XXXX miles away. It is almost impossible. I save more than {$140000.00} in the CITI account and I urgently need my money. There is no way to get my money back earlier!! 

I have two complaints. First, please provide the exact term that I violate. Second, I have the right to take my money back as soon as possible.
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TX)

Every month we paid on time and before the due date by cashier check since their online payment methods would triple charge our account and never reflect a payment. We took checks from the bank and mailed them to Santander and they would always be reported back as cashed and claimed but were never reflected on our account. After many calls they finally reflected the first XXXX that were sent but claimed they never got any of the others even when the bank traced them down to being cashed in by their company. After failing to show that we did pay and omitting that they took our money they reposted the vehicle and sold it to settle the balance due. Though they never reflected the sold value on our account either and still are trying to claim the full amount against us.
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

In XXXX, I had went to pay my bill before XXXX XXXX on the date it was due. However their system would only let me schedule it for the next day. I sent a message asking them if I would get a late fee and explaining I was out of the country for most of the month and could not get to paying the bill earlier. 

The first message I received was that had not been charged a late fee. This was on XX/XX/2024. 

I did not receive a bill the following two months. In XXXX I began getting text message and calls that my account was overdue. They charged me two late fees, one for XXXX, and another for XXXX, plus interest. I again reached out again. They told me that " Please be informed, if your account has a XXXX balance with no activity, no statement will be available for that month and year. '' They were only willing to credit {$15.00} as they " Unfortunately we do not have an option to waive all the late fee charges incurred on your account. '' I asked that this be reviewed in a follow up on XX/XX/2024. They again declined. 

I sent a full payment for the balance that was processed XX/XX/2024, the day before the due date. However, they charged me {$2.00} in interest after the full payment was made.