davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

I just want to file a complaint against Equifax My credit reports in the other company is good But my credit report is always go low with them My credit score in the other agency is XXXX but with equifax is XXXX Although I have no collections or any account open no late payments I have 2 open credit But it is not mentioned in my report They always keep other information that have been existing or incorrect information about me they have accounts 12 years ago
Consumer complaint received 2022-11-14
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. (DE)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-02-29
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. (GA)

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 Account XXXX Account Name : CREDIT COLL Account XXXX has violated my rights. Or a 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 2023-02-15
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. (IL)

I HAVE FILE FTC REPORT AND I DID EVERYTHING ON MY PART XXXX SEE THE ISSUE THE DOCUMENT ALL PROOF AND STILL REFUSE TO FIX IT.
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (IL)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-10
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-09
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. (MI)

XXXX XXXX BANK acct # XXXX. the Credit reporting agencies are reporting this account inaccurately. I've reached out multiple times. they are breaking federal law. According to 15 u.s.c. 1681a ( 2 ) ( b ). it clearly states the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Consumer complaint received 2023-06-21
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. (NY)

I mailed 3 letters on two closed accounts with XXXX XXXX. One account for Limited and one for XXXX XXXX. Letters were dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All letters went unanswered from XXXX XXXX  and the credit reporting agency XXXX. 

XXXX XXXX  XXXXXXXX  is a closed account showing the last payment XX/XX/XXXX. It has been 11 years and according to FCRA accounts should not report longer than 7-10 years. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA. 

XXXX XXXX  XXXX XXXX is a closed account showing the last payment XX/XX/XXXX. It has been 8 years and according to FCRA accounts should not report longer than 7. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (MN)

I opened a XXXX XXXX Saving account in XX/XX/2023 under the " Citi Accelerate Savings Leveled Bonus Offer '' I received an email from CitiBank on XXXX titled " XXXX, Congratulations on enrolling in the Citi Accelerate Savings Leveled Bonus Offer '' The stipulations for receiving the {$450.00} bonus were as follows : " As a reminder, to receive a Cash Bonus : Deposit New-to-Citibank Funds into your new Citi Accelerate Savings Account within 20 days of account opening. The balance on the 20th calendar day after you open your account will determine your maximum Cash Bonus. * Maintain the required Minimum Balance in your eligible account ( s ) every day for 60 days from the 21st day after account opening. * " I deposited {$50000.00} as soon as I opened my account. The money has stayed in the account now for 104 days. I have fulfilled the bonus requirements. 

I called CitiBank and they claim my account does not have a promotion attached to it. They claim they do not have an email address for me to forward my evidence to. 

I demand they pay me the bonus that I signed up for.
Consumer complaint received 2023-09-30
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX 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 2023-09-29
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. (AL)

I am a natural person, I am a living human being and I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights several times with no repercussions. I demand the accounts listed below be removed because, According to the law which Equifax disregard, 15 USC 1681 I have the right to privacy and I did not give Equifax written permission which is required by law from the consumer to furnish any these accounts and they dont have permissible purposes to do so as stated in attachment. 
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 XXXX XXXX
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (GA)

Firstly, I enter into this matter with honor and clean hands. I am serving you with a Notice of Understanding and Conditional Acceptance, along with a full record of accounting and a proof of claim. CITIBANK N.AXXXX, as the holder in due course, XXXX XXXX XXXX seeks specific documentary evidence, namely, the true and certified copy ( not a photocopy ) original Sears Shop Your Way Master Card Credit Agreement and Application, in both physical paper and electronic formats. This request is made in order to evaluate CITIBANK N.A. 's compliance with UCC 3-302 HOLDER IN DUE COURSE and Generally Accepted Accounting Principles ( GAAP ). 

Please refer to the provided Proof of Claim documentation, which includes : 1. Verification of CITIBANK N.A. 's holder in due course status is sought. XXXX XXXX XXXX formally requests documentary evidence demonstrating CITIBANK N.A. 's initial acceptance of XXXX XXXX XXXX signed instruments in good faith and in exchange for value, as required by UCC 3-302. XXXX XXXX XXXX understands the necessity of consideration in a valid contract and requests access to complete public and private accounting records, including all actual accounting and double-entry transactions representing the flow of funds from CITIBANK N.A . account ( s ) to XXXX XXXX XXXX account ( s ), supported by a sworn affidavit. 

2. A true and certified copy ( not a photocopy ) of the original instruments, specifically the Sears Shop Your Way Master Card Credit Agreement ( s ) and the Sears Shop Your Way Master Card Credit Application ( s ) for account ending in ( XXXX ), is requested. This should be provided under penalty of perjury and with unlimited liability. Additionally, confirmation is requested regarding whether this Note has been sold. 

3. Presentment : XXXX XXXX XXXX formally demands the exhibit of the instruments for account ending in ( XXXX ) in accordance with the Uniform Commercial Code 3-501. 

4. If the instrument has been sold, all related actual accounting and physical paper/electronic market trade transactions are requested in accordance with the Uniform Electronic Transactions Act and GAAP. 

5. Confirmation of the name of the duly authorized representative from CITIBANK N.A. is sought. Additionally, clarification is requested regarding any actions taken, both public and private, concerning this account in accordance with the Money Laundering Control Act of 1986. 

6. If there is an escrow account associated with a Sears Shop Your Way Master Card account ending in ( XXXX ), XXXX XXXX XXXX hereby formally requests access to the complete public and private accounting records. This includes all actual accounting and double-entry transactions representing the flow of funds and current account balances ( CAB ). 

7. XXXX XXXX XXXX requests all IRS tax form filings related to accounts ending in ( XXXX ), including but not limited to forms 1099-C and 1099-OID.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I've contacted Experian in regards to 5-6 addresses on file that do not match where i live. They refused to open a dispute on the addresses until i contacted specific financial institutions. They are essentially working together with banks to blackmail people into destroying their own credit by verifying debt inadvertently.
Consumer complaint received 2022-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU (CA)

To whom it may concern, I JUST saw today that there is information in my name being used on my credit report and I need to file a dispute. This item is fraudulent, and impacting my relationships with creditors. I've never had a collection on my credit report & I have know idea who this company is! Please remove this collection asap please. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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 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 hope these disputed items will be fixed as soon as possible. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (TX)

XX/XX/2024 I open up a cash app account my name is XXXX XXXX and I wasn't spending over {$100000.00} so I didn't have to get my account verified to use {$150.00} so I got {$150.00} to put in my account because I'm I was stranded in another city and I can't get back home so they sent me the money to pay for me a place and they did not access of it talking about I need to verify but I never had to do this before it went against all the terms and conditions and they've lied going back and forth I've called several times to try to get it taken care of and I'm getting the same results they talking about 6 months I've talked to several agents and I mean I need my I need my money because I'm homeless and I need them I need to be compensated for all this drama that I've been going through and if this can be taken care of ASAP it'll gladly be appreciated thank you the name of the company is XXXX XXXX
Consumer complaint received 2023-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (TX)

I received in the mail today ( XX/XX/2023 ) that states this debt from my XXXX  was sent to this company. I was not notified by my XXXX  this was even going to happen. I have XXXX  and I see them every 6 to 8 weeks. And no one let me know this would one go to collections. In addition, my mom calls on my account and she was not notified this debt exists. There were no actual bills from the dentist received via mail or email. 

The debt was actually paid on XX/XX/2023 via credit card in full. It was paid directly to the XXXX  office.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX 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 2015-09-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I went to Bank of America XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to ask a question about an HSA. An attractive XXXX woman greeted me with a hand held device in behalf of Bank of America and refused to let me or anyone else speak to banker unless we gave her our debit card number or drivers license to input our personal information into her hand held device. I refused and she became nasty and refused to let me see a banker. I tried to complain and she told me to go ahead. Never heard of this in my life.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kovo (CA)

My credit is showing the {$840.00} from an unknown creditor or collection agency by the name of XXXX XXXX XXXX and a personal loan from XXXX XXXX for {$780.00} as closed that was an identity theft account that still appearing on account. Also, another account as KOVO Inc in accurate missed payments.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (DE)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My XXXX XXXX XXXX, Last 6 digits of the viin XXXX was totaled last year XX/XX/XXXX. The insurance paid its part about $ XXXX XXXX insurance took a while to pay theirs which was the balance of about {$5100.00}, and XXXX reported it as a missed payments 3 times. XXXX insurance has made a payment of about {$3200.00} since XX/XX/XXXX leaving a balance of about {$1800.00} which is a refund for extended warranty. 
XXXX has since refused to update my current account and it is still reflecting missed payments and the old balance of about {$5100.00} instead of new balance of about {$1800.00}. Nobody is willing to help me remove the late payment from my account. This is affecting my efforts to get pre-qualified for a mortgage loan. None of this is a direct fault from me and I don't think I should be seen as missing a payment when XXXX told me to stop all payments the moment my car was totaled. That was a 3 way call between me, my insurance agent and XXXX XXXX representative.
Consumer complaint received 2024-02-29
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX