davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
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. (FL)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent series of attempts to correct the late opening of my account with 3 Credit Bureaus. I would like to bring to your attention the ongoing issues and delays that I have faced in this matter.

To provide some context, I opened an account with your company on [ Date ] and, despite timely submission of all required documents and fulfilling all necessary obligations, I have experienced significant delays in its activation. This delay has not only inconvenienced me but has also adversely affected my ability to access the services I signed up for.

I wish to outline the multiple attempts I have made to address this issue : I initially contacted your customer service department to inquire about the status of my account. I was told that there were some internal processing delays and assured that my account would be activated shortly. However, this did not happen.

[ Date ] : After noticing that my account was still not activated, I made a follow-up call to your customer service. I was met with a similar response, and it was promised that the matter would be resolved within the next few days. 

[ Date ] : Despite the assurances, my account remained inactive. I sent an email outlining the situation and seeking a resolution, but received no response.

[ Date ] : I called your customer service again, explaining the issue and expressing my growing frustration. I was promised a call back within 48 hours to provide an update on the progress, but I never received that call.

Frustrated by the lack of progress, I visited your local branch office in person, where I was met with indifference and a lack of clarity on the situation. No concrete action was taken to resolve the matter.

I believe my situation should not have reached this point, and I am deeply disappointed with the level of customer service I have received. The continuous delays and unfulfilled promises have caused me considerable inconvenience and distress.

I kindly request that you take immediate action to rectify this issue and provide a clear and definitive timeline for the activation of my account. I also request an explanation for the ongoing problems and inadequate communication from your company. I am asking for your assistance to correct this late open account in my credit file XXXX XXXX XXXX XXXX Balance : {$210.00}.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Throughout the history of this account, I've consistently made sure payments are made on time, never allowing them to surpass their due date. However, I'm perplexed by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, such discrepancies should be rectified.
Consumer complaint received 2019-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I looked for someone to sublease my apartment on XXXX. A girl named XXXX XXXX on XXXX messenger contacted me through messenger saying that she wants to rent the apartment and would like to send a check to me to secure the apartment. The rent of apartment is only XXXX but she sent me XXXX instead and said that the remaining of money is for other expense. I deposited the check into my bank account and it appeared in my bank account. Few days later she told me that her father passed away so she needed the money back for the medical bills. I made two transactions through XXXX in Bank of America mobile app. The first one was XXXX USD and the second one was XXXX XXXX. Few days later she sent me another XXXX check as payback. She then told me that she needed another XXXX USD again for her father 's medial expense so I sent it back again. I then checked my banking account and discovered that the previous check that I recieved got returned and is no longer valid which I found out that I was scammed. In total, I was scammed XXXX+XXXX+XXXX=XXXX  USD and the payments were made through XXXX in Bank of America mobile app . I really need my money back and thats all I ask for. Thank you.
Consumer complaint received 2017-09-20
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. (AZ)

I contacted Transunion on XXXX XXXX, 2017 @ XXXX informing them of the fraudulent inquiries on my credit report due to a computer glitch that was Transunion problem caused my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required 5 day notice prior to them being re added. I was transferred around until I spoke with a supervisor whom I explained to that my identity had been stolen and I sent them a copy of my police report months ago to no avail. The supervisor located the documents and proceeded to transfer me to the fraud dept whom he stated would help me with the removals of the fraudulent inquiries. In turn I was hung up on after being on the line for 42 minutes and did n't get to speak with anyone. All of these inquiries add a hardship and my rights were violated by Transunion. I asked that the CFPB help me stop Transunion from victimizing me.
Consumer complaint received 2022-09-29
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. (FL)

My name is XXXX 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IA XXXX Account # XXXX Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : ( XXXX, XXXX ( XXXX, XXXX ( XXXX ( XXXX, XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive.

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California and XXXX XX/XX/XXXX XXXX Cc : XXXX XXXX  States Attorney General
Consumer complaint received 2023-06-18
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. (KY)

On XXXX/XXXX/2023, An unknown credit card account from XXXX XXXX appeared on my credit report. I have a dispute open with them, but I have disputed this fraudulent account twice with XXXX. Most recently on XX/XX/2023. Somebody used my SSN and I have sent documents proving the address used to sign up for the credit card was not mine. I have sent XXXX a copy of my ftc report, proof of residence at the time the account was made, and screenshots of the fraudulent address, phone, and the thiefs name on the mailing address XXXX XXXX mailed the card to! XXXX is not investigating this properly. Please help me. I'm a victim of Identity Theft. The balance is {$410.00}
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I urge you to rectify the inaccurate information on my credit report by promptly removing the fraudulent details mentioned. The listed home addresses are not mine, and I request immediate correction, emphasizing my accurate address at XXXX XXXX XXXX XXXX, NY XXXX. Thank you for your prompt attention to this matter. XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX.
Consumer complaint received 2024-03-08
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)

This is my first endeavors 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 XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX 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 : {$7000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2021-07-11
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: EQUIFAX, INC. (NC)

Equifax credit report is showing a XXXX XXXX XXXX negative account on my credit report as active because the XXXX XXXX XXXX posed as me Fraudulently to make a payment on my behalf to reactivate an old account that was closed XX/XX/XXXX, my XXXX credit report shows XXXX XXXX XXXX which got sold to XXXX in XXXX, XXXX XXXX shows deleted on XX/XX/XXXX from my XXXX paper copy that got sent to me on XX/XX/XXXX This negative account needs to be immediately deleted from all credit reports because this is a violation of the fair credit reporting Act showing Duplicate accounts under the same company under different names, addresses.
Consumer complaint received 2018-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I purchased a washer through Sears under their credit program 12-months same as cash. In order to avoid service charges I needed to pay in full by XX/XX/XXXX. I ended up making two payments to pay the balance due ; the first on XX/XX/XXXX for {$220.00} and the second on XX/XX/XXXX for {$220.00}, and both payments were sent electronically via my online banking bill pay account. 

The first issue is that I received a bill immediately after for the amount of interest that had accrued IF had I not paid the account in full. I complained and Sears credited that amount, but the problem that within that time an extra amount of interest was applied. 

I tired to explain that this was their error and they should bring my balance to XXXX, but I've been going back and forth. It's a small amount ( probably XXXX XXXX- {$15.00} ), so it's not the fee, but the principal. They are not holding up their end of the agreement. 

Thank you.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I was charged a cash advance fee for a transaction that was incorrectly categorized. I asked Citi to grant a one time refund and they were unable to. I then asked to dispute the charge as the services were by definition not as described by the merchant. I was then hung up on by the representative and did not receive a call back.
Consumer complaint received 2022-02-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX is on my credit as a charge off has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions My name XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX )
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (NV)

This complaint is directed at XXXX XXXX XXXX, This corporation has been falsely reporting and illegally reporting and providing private information to 3rd party affiliate which is direct violation of the stated USC listed in this complaint. I've also requested to opt out on multiple occasions to no avail. 
15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
( Pub. L. 106102, title V, 501, Nov. 12, 1999, 113 Stat. 1436 ; Pub. L. 111203, title X, 1093 ( 1 ), July 21, 2010, 124 Stat. 2095. )
Consumer complaint received 2022-11-29
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-05-30
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: Bread Financial Holdings, Inc. (CO)

Comenity bank processed my info to someone who stole my identity and issued an account for XXXX  XXXX  in Ohio this is identity theft not me. Account opened XX/XX/2023 XXXX owed {$690.00} I have called comenity bank to file fraud activity.i have frozen my credit with all 3 bureaus Comenity capital bank XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX
Consumer complaint received 2024-03-08
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)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I received a Default Judgment/Cause No. XXXX ( original case number XXXX ) entered on XX/XX/XXXX, from the court of Judge XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX I never received a citation or notice. I contacted XXXX XXXX 's @ ( XXXX ) XXXX attorney at law to ask if they had received any form of notice about this default, and XXXX XXXX said, " I don't know. '' They no longer are representing me as of XX/XX/XXXX and XX/XX/XXXX. They never kept me updated about case number : XXXX, which is the same case related to Cause No. XXXX. I spoke with XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, email : XXXX with telephone number ( XXXX ) XXXX. I informed her that I never received a citation and no one took my picture signing a citation being served I asked for copies to submit to the court to let XXXX XXXX XXXX know that she is now involved in a fraudulent signature and forgery because I never signed a citation on XX/XX/XXXX, and no one took my picture signing a citation. he said it was served to me on XX/XX/XXXX, which she said I signed and the person took my picture signing the citation. That is a flat-out lie! She sent a dispute out today to the XXXX XXXX XXXX and hung up on me before she answered how long the dispute might take. Finally, I called her back and she had no idea how long the dispute would take to complete. I understand XXXX XXXX XXXX is known for damaging people to the max. That's fine! As a XXXX XXXX living off a monthly social security payment, I have learned my rights according to SSR 79-4 : Section 207. Time is not on my side and I do not trust waiting for XXXX XXXX with XXXX XXXX XXXX to keep me waiting without providing me a time frame with this ill-issued Default Judgment. According to all the comments, that I have reviewed... I am not able to trust them. They have involved a judge with a forged signature. This is wrong on many layers and levels. I need a copy of the citation, signature, and photo that was taken to present to my legal representative ASAP! By the sound of her voice XXXX XXXX was ready to release her force towards me.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (KY)

LexisNexis I am asking once again for the truth regarding whether or not your company obtained a XXXX  XXXX bankruptcy bearing my name and sold it to the credit bureaus. I also disputed this issue in XX/XX/year> therefore that bankruptcy should have been deleted from my file by XX/XX/year> but now your company is stating that it was removed XX/XX/year>. I hope that your company will be mindful of the fact that I am not going away until this is resolved and my Credit Reports are restored. I am asking that LexisNexis along with the credit bureaus remove the XXXX  XXXX bankruptcy from my Credit report within 7 days of receiving this complaint.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I looked at my credit report on XXXX XXXX and notice some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates. 
These accounts are listed below XXXX XXXX XXXX / XXXX Credit Card Open date is not reporting correctly, date last active, date of last payment is not correct, this account was never late, this account is not accurate. 
XXXX XXXX XXXX. Creditor agree to delete this account after the last payment, this account is not accurate. 
XXXX XXXX XXXX. Creditor agree to delete this account after the las payment, this account is not accurate.