davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

Citicard indicates that I inexplicably made a payment to a credit account ( XXXX ) that was already closed with a balance of {$6000.00} as of XX/XX/XXXX. This closed account has generated a 1099-c in XXXX, which I have only recently noticed. No payment was ever made in XXXX. There is no proof of any such payment being made by me. Citicard also reported different dates for this non-existent payment to XXXX, XXXX and XXXX. Please correct each error and delete the purported XXXX payment that is listed on my credit report for account XXXX.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

So I was shopping around to get the best offer from 2 companies USAA and XXXX XXXX. They should removed all hard inquiries except the last one before I bought the house with XXXX XXXX last XX/XX/year>. 
As per the actual credit report USAA and XXXX XXXX remove these hard inquires.
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (NY)

I had requested my Lien Release letter since I am planning to sell my car. I contacted them last month ( on XX/XX/XXXX or XX/XX/XXXX ) and confirmed that it will be overnight, I even received a UPS tracking number. But they just created a label and XXXX had never received the package from them. I waited more than 2 weeks and then I contacted them again last week. I have been informed by one of their Reps. that the Title Department never processed my request. So I ask that it be processed again. I didn't receive any tracking or confirmation number this time. So I call back early this week and didn't have any luck, also their customer service has no way to communicate with the Title department to query my case. So they put down my request and promised to expedite my request, upon hearing that I tried to clarify the timeframe of that expedite but the customer service person could not able to give me clear answers. So I waited and then I call back and this time, I asked for the supervisor and the supervisor confirm that it will be overnight that day or the next. I again received the XXXX tracking number yesterday ( XX/XX/XXXX ) and the status of that shipment is the same as the first time, where the shipper ( TD Auto Finance ) just created a label but XXXX has not received the package yet. It's the end of the day right now and I am pretty sure my letter has not and will not be sent. I am very frustrated at this time since I don't know what else to do.
Consumer complaint received 2023-01-25
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. (NY)

My name is 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.
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC (WV)

I was berated, TOLD it was mine, TOLD not to worry about it just pay it or I would be arrested and they used foul language on me the entire time. They both call and text and do both not only during hours but also before XXXX XXXX  and after XXXX XXXX.
Consumer complaint received 2018-12-06
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: EQUIFAX, INC. (FL)

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan  because of this CHILD SUPPORT XXXX
Consumer complaint received 2023-06-17
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. (NJ)

My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
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. (MD)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX VERIFY XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-05-29
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. (NY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update or repair these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (PA)

Chime closed my account on XX/XX/XXXX. they sent me a closure check in the amount of XXXX that check has bounced 4 times at 4 different places. I was told buy a bank that the check is fraud and could possible be fake. Chime has done nothing to help me in this situation. they have not re issued the check. keeps telling me try it at a different bank. its a FAKE Check. i have posted the picture of the fake check. this is uncalled for. chime should have to pay some type of fine for sending fraud checks to consumers! 

i have uploaded the check that has bounced 4 different places!
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$920.00} XX/XX/XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXXXXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX XXXX  XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-01
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (AZ)

Every Time I would try to make a Payment. The Payment would never Go Through, All that Happens is once the Account dips a XXXX Below the Amount the Payment the gets Declined and I get hit with a Fee for Insufficient Funds when the Money was there the whole time. And the Money was supposed to be taken in the XXXX. Funny how by XXXX XXXX that day, After another bill gets paid dropping the amount in my account a couple cents below the amount needs for One Main Financial and then they say Oh No theres no money in the account and I get hit with a fee. Every time this happens and I tell them and no body in the branch wants to acknowledge there system is corrupt or something.
Consumer complaint received 2022-10-17
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 — Investigation took more than 30 days
Company: Choice Recovery, Inc. (TX)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-12-06
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: EQUIFAX, INC. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan  because of this ... XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my 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 XXXX
Consumer complaint received 2023-09-05
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-10-17
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 (PA)

COMPANY CLOSED MY ACCOUNT WITH NO EXPLANATION, NOR ALLOWED ME TO EXPLAIN ANY POSSIBLE AND OR HARDSHIP, WHICH CAUSED THEM TO CLOSE THE ACCOUNT. 

THEY STATED THAT THEY ARE ABLE TO EVALUATE CREDIT REPORT EVER SO OFTEN AND JUST CLOSE THE ACCOUNT, BUT NEVER CALLED AND OR GAVE ME NOTICE THAT THEY WILL BE CAUSING OTHER ACCOUNTS TO GO INTO DEFAULT BECUASEE CARD WAS TIED TO OTHER BILLS AND AS PAYMENT METHODS
Consumer complaint received 2022-10-25
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. (AZ)

I have tried to get the credit agency to respond to my written request in a detailed letter, but they never ever give me the answers to my questions in the letter enclosed. This a major violation and I am seeking that these accounts now be removed. I am also aware of Congress investigating into the violations of these practices and I demand that this gets deleted for 5 times of being ignored on my disputes. The response just says that the account is verified but with No proof of what I am requesting. 
Please make them accountable for their lack of compliance and get these removed All these accounts in question qualify to be removed immediately because of their flagrant disregard of my rights as a consumer.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2022-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (PA)

During the pandemic XXXX I had contacted Sallie Mae when I was let go from my job and unable to work during that year. Sallie Mae was completely unwilling to help me catch up with my payments even after making a XXXX payment one month to try to catch up. While everyone was offering help to people during the pandemic Sallie Mae would not help me get caught up. They would not defer my payments or take the money I could pay and help me to get caught up. Instead the reported me late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I do not agree with them reporting me late as I was making payments but could not catch up with my past due during that time. Sallie Mae should not have been able to take advantage of people during a national declared disaster and should remove these late payments from my credit report. Them reporting my account late is wrong and FCRA vioalation as they had no grounds to report me late during a national disaster.
Consumer complaint received 2023-05-03
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: EQUIFAX, 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-17
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. (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. 

Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX5 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 2022-10-17
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. (VA)

I checked my credit report and found out these accounts does not belong to me and I didn't authorizethese to my account until I called one of the credit agent and they refer me to this website FTC to fi le mycomplain. Name : XXXX Date ; XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXXXXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXXXXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX  XXXX : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX. These are theincorrect information I found on my credit report from myannualcreditreport.com and I want them to be investigated and Deleted from my credit report.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (TX)

I have sent letters to Experian on multiple dates asking for them to verify accounts on my credit. I specifically ask them to send me the proof of the information being verified, such as the company contact they verified the information with but they have not sent me this information. They only pretend to investigate and say updated. By law they have to provide me with any information on how they verified an account and they also have to provide this within a certain time frame and they have done neither. I have attempted to resolve this matter with them via mail but they do not respond. By law, if they can not furnish the proof of verification these account must be deleted from my reports which Is what should be done.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I checked my credit report and found out these accounts does not belong to me and I didn't authorizethese to my account until I called one of the credit agent and they refer me to this website FTC to fi le mycomplain. Name : XXXX Date ; XX/XX/XXXX Name : XXXX XXXX  Date : XX/XX/XXXX Name : XXXX XXXX  Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name XXXX XXXX XXXX  XXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX. These are theincorrect information I found on my credit report from myannualcreditreport.com and I want them to be investigated and Deleted from my credit report.
Consumer complaint received 2023-08-02
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. (FL)

XXXX is inaccurately reporting information on my consumer report. XXXX is showing a 90 day late payment in XX/XX/2023 however I was not late in XX/XX/2023 and XX/XX/2023. I contacted XXXX and they didnt correct this error.