davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXs customer service representative.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (NJ)

On XX/XX/XXXX I went to purchase a car at XXXX XXXX in XXXX, NJ. I applied for financing through XXXX which they submitted to various banks. One of the banks ( XX/XX/XXXX XXXX denied my financing based on a Credit Report from Sage Stream LLC. I had never heard of this credit agency before. I always keep my credit reports frozen at the 3 main credit agencies ( XXXX XXXX and XXXX ) to protect my scores and potential identity theft. My scores at those 3 agencies are all above XXXX. My loan was quickly approved at XXXX using my XXXX  score so the loan approval is not my issue. My primary concern is Sage Stream LLC. I immediately searched for Sage Stream online and found dozens of complaints similar to mine regarding Sage Stream. The following day, XX/XX/2020, I submitted an online request to receive a copy of my free credit report according to the instructions on the Sage Stream website providing all required information including a copy of my driver 's license. I requested a copy of my free Credit Report and I requested that my Credit Report be frozen with Sage Stream. As of XX/XX/2020, I have not received any reponse from Sage stream in the mail. I have also left 3 messages on their voicemail at XXXX XXXX XXXX XXXX which they claim they will callback within 48 hours ... never got a response. No one ever answers the phone and they pretend that " all operators are currently busy ''. There is no ability to email, chat or communicate in any way. It is amazing to me that a credit reporting agency is allowed to operate this way in 2020. I'm concerned that I've provided personal information to a blackhole. I want a response from this company so I know why the bank denied my financing request so I can take the next step to dispute any potential inaccuracies on my Sage Stream report. I also want my credit report frozen at Sage Stream immediately to protect my data. I hope someone at CFPB will hold this company accountable for these shady business practices. There are a couple dozen identical complaints about this company on the CFPB website under the parent company name of ID Analytics. They are also a subsidiary of XXXX. I look forward to your prompt response in resolving this matter. Thank you.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy federal closed my account due to security reasons. Its me, I dont know what else to tell them. I have a credit card thru them with a {$7000.00} credit limit and they just XXXX the account down. Im not received any valid reason and they are being difficult. So in order for me to make payments I have to get my mom to go to the bank every month or I have to leave school in XXXX, Im in XXXX and drive to XXXX to make payments because I can no longer just login to make payments. Not only did they prohibit me from accessing cash I had in the account, closing the account also ranked my credit score
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-28
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: BARCLAYS BANK DELAWARE (LA)

XXXX and XX/XX/2020 Barclays Bank Delawa. Late payment I need it remove because I have right of privacy, they can not furnish a account without my written instructions and a creditor may not treat a payment in a credit card account under a open end consumer plan as a late payment for any purpose
Consumer complaint received 2023-07-13
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. (CA)

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the companys customer service representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX  and US Department of Education, yet they are not removing this fraudulent accounts. XXXXXXXX XXXX and US Department of Education have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The following is the fraudulent account : XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX and US Department of Education, yet they are not removing this fraudulent accounts. XXXX XXXX and US Department of Education have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The following is the fraudulent account : XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, trans union, XXXX all have many names and different addresses and they are not me nor are mines and some how my information was involved in a data breach and this has caused my very personal and important information is out everywhere and lately I have been getting lots of emails saying that I owe companies and also everyday Im getting calls even when Im at work or at home and this is stressful when these people have handed out my information!!!!! 
I had to get a lock for my social security number and yet people are still harassing me daily and its all XXXX, trans union, and XXXX fault!!! I only have a first and last name only My address is a private mailbox. So how could these people have information when I didnt give them permission to them!!! My first name XXXX  and I dont have a middle name and my last name XXXX! So who is those other names and addresses??? I have a private mailbox!!!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had an account with XXXXXXXX XXXX XXXX that I had set up autodraft on, but XXXXXXXX XXXX XXXXXXXX, due to their error, did not property process payment causing a late on a {$4.00} balance. They fixed it and refunded late fees. It was and had been fixed with XXXX and XXXX, but TransUnion was still reporting a 30 day late. I disputed this and they still didn't fix it, despite XXXXXXXX XXXX XXXX telling them it wasn't late. 
I disputed again, still not fixed. They have a latter from XXXX 's XXXX  showing NEVER LATE PAID AS AGREED, but refuse to correct it. XXXX, XXXX, and XXXX XXXX XXXX all show NEVER LATE PAID AS AGREED, but TransUnion won't fix their error despite proof, hurting my credit score. The attached letter from XXXX XXXX XXXX was sent to and is in the possession of TransUnion, so they are without excuse
Consumer complaint received 2023-08-01
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. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : XXXX XXXX  XXXX XXXX : {$4000.00}.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

On XX/XX/23, I mailed a letter to the reporting agencies to remove names and addresses that I was never associated with. On XX/XX/23, I mailed out the same letter. As consumer I know my rights and would like a resolution.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have wrote XXXX XXXX of this year by certified mail and by phone I was told these fraudulent accounts would be removed from my account by it still appears on my report I have submitted my police report and my ftc report and they will not respond to me with results
Consumer complaint received 2023-09-08
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. (WI)

There is an account reporting but I have never had an account with XXXX XXXX XXXX XXXX XXXX 

They bought out a bank that shut down in XXXX, WI. 

I had an account with the original bank and XXXX XXXX returned my money because they didnt offer the same product the original bank offered. ( I have the check to prove they paid me back ) I never held an account with XXXX XXXX XXXX XXXX XXXXXXXX so how can I have multiple late payments? 

Please delete this entire account from my consumer file. I want to exercise my right under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 1681a ( 2 ) under the exclusion section. 

I have been violated according to 15 U.S. Code 1692g section a & b. 

If this account is not removed from both my Transunion and XXXX reports within 30 day of receipt of this complaint I will sue. 

I have disputed this so many times and nothing happens this is my late time.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The disputed items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
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. (TX)

XXXX and Experian continues to report inaccurate information on DPT EDXXXX Account # : XXXX XXXX. 

The account is listed multiple times on my consumer report which is damaging my consumer report and causing me to be denied credit. Furthermore the information on the account is not consistent with the other reporting agency which means this account has not been validated properly which means it also can not be verified as accurate. 

This is a violation of FCRA. I have filed a complaint and sent numerous letters to each for account deletion. 

DPT EDXXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX DPT EDXXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX DPT EDXXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX DPT EDXXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

During XXXX I received a letter about one of my business accounts being restricted due to routine KYC checks. Citibank requested me to contact either the branch or they KYC department. I did both. They asked me to sign a few forms, which I did on XX/XX/XXXX at the branch. It's been more than a month since then. I've called both the branch and their KYC department to follow up, and they have been telling me for the past month or so that they have " all the information they need '' and it's up to the analyst to unlock my business account, but the analyst is never available. 

Well, it's been more than a month contacting them, hearing the exact same answer and they just don't unlock their account. We couldn't even pay salaries by the end of month because we can't even cash checks. Citibank has been extremely negligent and they just don't care. It's been by far the most frustrating experience I've ever had with a bank. I am already opening new bank accounts elsewhere, but I still need them to unlock my accounts to acces the funds.