davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-13
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. (PA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (PA)

I applied for credit cards and other loans that I was told by Credit Karma that I was already pre-approved for back in XX/XX/XXXX and XX/XX/XXXX. This cause my credit score to take a significant drop and I denied for home, car and even school loans. This affected me mentally to the point I had to seek help from my mental health specialist and I spend years correcting this mistake. I filed complaints with the FTC and the XXXX for these companies who have hard inquires on my report.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (AL)

I called Goldman Sachs yesterday about my Apple Card. Even though my default payment is set up for my XXXX  XXXX XXXX card, they still charged the Apple Card for subscriptions without my knowledge or consent. I had deleted the card from my wallet and was completely unaware of any charges. I was never notified in writing or sent a statement. I never received a voicemail, text message, or email. I then discovered they reported me 30 days late over {$14.00}. I am XXXX XXXX XXXX, and have never once had a late charge. They destroyed my credit. I was told they would request amnesty, but there was no guarantee.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

i have XXXX loan home moergage i Never choose this company but XXXX XXXX Sell my loan to XXXX MORTGAGE these are very unprofeesional Not sending Correct Report to CREDIT BEAURE EVEN MY MONTHLY PAY MENT NOT REPORT last XXXX months my another bank denied to increse my credit line they said you have high mortgage payment not paying on time when i call XXXX  they threaten me even and they said you call them tell them credit beaure Credit beaure said we are not listing customer we listing bank we work for lender not for customer XXXX  SOUND LIKE THEY ARE XXXX for XXXX XXXX they sent report loan moidification but not ask me for escrow payment 1.. please update monthly payment to credit beaure no HIGH Balance and if possible seel my loan to another bank i hate XXXX mortgage name very shamefull peoples well trained to excuse andd threat to customer
Consumer complaint received 2022-12-06
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. (TX)

Account number XXXX Balance XXXX Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. Account number XXXX XXXX {$310.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. XXXX XXXX XXXX Account number XXXX Balance {$4800.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. XXXX XXXX Account number XXXX XXXX {$500.00} DAte XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. Address XXXX XXXX XXXX XXXX XXXX TX XXXX This address is not associated with me. I have provided the police report and the FTC Complaint and the account still remains on my credit file.
Consumer complaint received 2023-09-14
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: SUNCOAST CREDIT UNION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (ME)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Promotional Offer Demand Letter To Whom it May Concern : On XX/XX/XXXX, I applied for a XXXX XXXX XXXX online in response to a promotional offer to earn a big {$500.00} bonus. 

I met all offer terms but have not received the bonus. 

Now, I respectfully demand that US Bank pay the advertised {$500.00} bonus. 

Otherwise, this matter will proceed to trial with all costs and fees taxed to the Bank. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-03-29
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: SECURITY FINANCE CORP (MO)

On XX/XX/2023 I saw I had a credit inquiry with security finance that I didnt authorize to pull credit. I have used them in past. I called them and they said they pulled my credit to get my information and there allowed to do it
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (AZ)

XXXX, Equifax and XXXX have violated my consumer right which has forced me to file a federal compliant and law suite please see accounts listed accounts on my Affidavit these accounts are now in litigation. PLEASE SEE ATTACHMENT.
Consumer complaint received 2022-12-09
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (SC)

I first requested in writing to close all my accounts on XX/XX/2023 because i moved to a state ( SC ) where Citibank does not have any branches. They closed the checking accounts but not the 2 XXXX XXXX accounts. I was told to submit another request in writing. I mailed it XX/XX/2023 but after that, only 1 of the accounts was closed. Every month since then, the 1 remaining open savings account incurs a {$25.00} service fee so i call customer service and they reverse the fee and they tell me the account will be closed next month. Today, XX/XX/2023, after the same scenario, I asked to escalate my case and I was with a supervisor who tried to connect to Retail Service Operations while I was on hold. After 1 hour 5 min, my call was picked up by a different agent and when i explained that i was placed on hold, she advised that i call back the regular customer service number. At this point, I need assistance in resolving this since the normal channels are unsuccessful.
Consumer complaint received 2023-06-21
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: LEXISNEXIS (TX)

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.

The letters are stated with items and issues.

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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX I reached out to the company to advise that my bank account had been compromised and this was my third attempt to inform them that I had faced a financial hardship due to what happened ( my money was stolen from my bank account ). At that time, I asked to accept the offer of getting placed on a payment plan along with the courtesy of updating my account status from delinquent to current. The agent explained that once the payment that she needed to collect was posted, my account would change from delinquent to current on all three credit bureaus. During the call, I made a successful payment as well as scheduled a payment plan as she suggested, with automatic payments set to withdraw on specific dates. She advised that my account would be reflected as current and backdated for any previous months that were reflected as delinquent, and update to current. I have been checking my credit report every day since this payment occurred and it shows that I am still being reported as delinquent over 120+ days. I would like for this to be updated as stated or file a grievance or litigation for misrepresentation and incorrect reporting.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX I reached out to the company to advise that my bank account had been compromised and this was my third attempt to inform them that I had faced a financial hardship due to what happened ( my money was stolen from my bank account ). At that time, I asked to accept the offer of getting placed on a payment plan along with the courtesy of updating my account status from delinquent to current. The agent explained that once the payment that she needed to collect was posted, my account would change from delinquent to current on all three credit bureaus. During the call, I made a successful payment as well as scheduled a payment plan as she suggested, with automatic payments set to withdraw on specific dates. She advised that my account would be reflected as current and backdated for any previous months that were reflected as delinquent, and update to current. I have been checking my credit report every day since this payment occurred and it shows that I am still being reported as delinquent over 120+ days. I would like for this to be updated as stated or file a grievance or litigation for misrepresentation and incorrect reporting.
Consumer complaint received 2023-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX XXXXXXXX XXXX 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXX XXXX XXXX of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed. Account Name : XXXX XXXX Original creditor : XXXXXXXX XXXX
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2022-12-09
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. (GA)

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

Here is the list of accounts which 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  Balance : {$12000.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-09
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. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-02
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: Experian Information Solutions Inc. (CA)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX INC Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXXXXXX Inquiry Date XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

I tried to apply for lines of credit several times with NFCU. I was discriminated every time, I know they go by an automated system that helps accept or discriminate, but my reports has been furnished for so long and when I try to speak with underwriters or financial admin I get the run around. 
Ive been a member with this bank for a while so while Im helping them achieve I feel like Im not being compensated with the same respect. I deposit with NFCU every month but I never see returns for the deposits. I havent been able to get not 1 loan from this person since our union began.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.