davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I applied for a credit on XX/XX/XXXX while in the process of purchasing XXXX XXXX tickets. Citi bank advertises a statement credit if you apply for their credit card during the check out process. I followed the link provided and applied for the credit card, was approved instantly and clicked on the link to access a temporary card number to utilize for the purchase. The link was a broken link and after many attempts, I was still unable to access the promised temporary link. The next morning XX/XX/XXXX, I spent approximately an hour and half being passed around to different departments within Citi bank only to be promised by each one I would be receiving a link within XXXX of the application that would allow to access my card information. That email/link never came. I called again first thing in the morning on XX/XX/XXXX to advise I had not received the link. The representative I spoke with advised there was nothing they could to do help me or resend said link. I requested to speak with a supervisor. I explained the situation and the information I had been provided the day before, only to be told that no such email or link is ever sent and he was unsure why I would have been given that information. He also then advised me that because I had done my application on a mobile device that that was the reason I could not access the link upon my application completion. This information/ warning is not provided to consumers and applicants before they proceed. It is a miss leading advertisement that does not provide proper warning before allowing you to proceed.
Consumer complaint received 2022-11-22
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. (KS)

I am reporting this company along with the credit reporting agencies for allowing these fraudulent accounts to stay on my reports, even though Ive given them ample proof that I not only DONT OWN THESE ACCOUNTS..But ALSO, Ive never even heard of these people EVER! The company XXXX XXXX  keeps saying that the information is accurate, but hasnt provided ONE ounce of proof other than telling the reporting agencies that the information is being reported accuratelyWHICH IS COMPLETELY FALSE BECAUSE I NEVER OPENED ANY ACCOUNT WITH XXXX XXXX  OR ITS AFFILIATES, and its a shame that the credit reporting agencies are allowing this, CONSIDERING I HAVE FRAUD ALERTS ON ALL THE REPORTING AGENCIES, along with NUMEROUS FRAUDULENT ACCOUNTS ALREADY BEING REMOVED FROM MY REPORTS BECAUSE OF THE SAME THING. YET ALL THREE AGENCIES KEEP ALLOWING THIS COMPANY AND OTHERS TO SAY THE INFORMATION IF ACCURATE, JUST BECAUSE THEY HAVE A FEW PIECES OF INFORMATION. This is utterly ridiculous and Im tired of dealing with these companies not doing anything but confirming fraudulent information. I WANT THESE ACCOUNTS FOR THE FOLLOWING DELETED FROM ALL MY CRRDIT REPORTS ( XXXX, Equifax, XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NEVER HAD ANY ACCOUNTS WITH THESE PEOPLE AND THEY ARE DRAGGING THEIR FEET BECAUSE THEY DONT WANT TO ADMIT THESE ACCOUNTS WERE OPENED FRAUDULENTLY..I have provided Identity Theft Affidavits, as well as proof of location and they STILL KEEP TRYING TO SAY I OWN THESE FRAUDULENT ACCOUNTS.LOOK AT THE PLACES THEY ARE FOR..I AM A GROWN MALE, WHY WOULD I SHOP AT EITHER OF THESE PLACES? AND I LOOKED UP XXXX.THERE ISNT EVEN ONE ANYWHERE NEAR ME AND IVE NEVER HEARD OF THEM.DELETE THE ACCOUNTS OR FACE LEGAL REPERCUSSIONS..
Consumer complaint received 2024-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK (NH)

I have had a long stretch of XXXX XXXX XXXX XXXX over the last several years. Most of it in the last XXXX XXXX years. Also, the recent deaths of two co-mortgage holders. 

Midland Mortgage said they would work with me, but then they sent me a payment plan that was the regular monthly payment of {$1100.00}, and the past due amount equaling {$6100.00} for six consecutive months. Refusing this plan, they informed me that there was no other assistance available, resulting in them sending it to the foreclosure lawyers. 

If I wasn't able to do the regular payment back then, how do they expect me to pay this ridiculous amount now?
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Neon Newco Corporation (NY)

On XX/XX/2024 I received a Netspend debit card in the mail which was issued by XXXX, XXXX. I did not request this card. For the record, my credit is frozen at XXXX, XXXX, and XXXX and has been for years. 

The account appears to be linked to XXXX, XXXX account which is did open and is not mine. Routing number XXXX XXXX XXXX. Account number XXXX.
Consumer complaint received 2022-11-22
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. (KS)

I am reporting this company along with the credit reporting agencies for allowing these fraudulent accounts to stay on my reports, even though Ive given them ample proof that I not only DONT OWN THESE ACCOUNTS..But ALSO, Ive never even heard of these people EVER! The company XXXX XXXX  keeps saying that the information is accurate, but hasnt provided ONE ounce of proof other than telling the reporting agencies that the information is being reported accuratelyWHICH IS COMPLETELY FALSE BECAUSE I NEVER OPENED ANY ACCOUNT WITH XXXX XXXX  OR ITS AFFILIATES, and its a shame that the credit reporting agencies are allowing this, CONSIDERING I HAVE FRAUD ALERTS ON ALL THE REPORTING AGENCIES, along with NUMEROUS FRAUDULENT ACCOUNTS ALREADY BEING REMOVED FROM MY REPORTS BECAUSE OF THE SAME THING. YET ALL THREE AGENCIES KEEP ALLOWING THIS COMPANY AND OTHERS TO SAY THE INFORMATION IF ACCURATE, JUST BECAUSE THEY HAVE A FEW PIECES OF INFORMATION. This is utterly ridiculous and Im tired of dealing with these companies not doing anything but confirming fraudulent information. I WANT THESE ACCOUNTS FOR THE FOLLOWING DELETED FROM ALL MY CRRDIT REPORTS ( Transunion, XXXX, XXXX ) : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NEVER HAD ANY ACCOUNTS WITH THESE PEOPLE AND THEY ARE DRAGGING THEIR FEET BECAUSE THEY DONT WANT TO ADMIT THESE ACCOUNTS WERE OPENED FRAUDULENTLY..I have provided Identity Theft Affidavits, as well as proof of location and they STILL KEEP TRYING TO SAY I OWN THESE FRAUDULENT ACCOUNTS.LOOK AT THE PLACES THEY ARE FOR..I AM A GROWN MALE, WHY WOULD I SHOP AT EITHER OF THESE PLACES? AND I LOOKED UP XXXX.THERE ISNT EVEN ONE ANYWHERE NEAR ME AND IVE NEVER HEARD OF THEM.DELETE THE ACCOUNTS OR FACE LEGAL REPERCUSSIONS..
Consumer complaint received 2024-11-06
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. (NJ)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  XXXXXXXX XXXX XXXX Date Opened : XX/XX/year>
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-02-03
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. (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 2024-04-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I was charged for dates that I did not occupy the unit. I have proof ( receipts ) of where I stayed during the months i was charged. 

I was charged a fee by grandstand for leaving with out notification. Thats untrue i have emails where I was asked to leave. 


I was charged for keys. I gave keys to staff. I have proof reflecting that information. 

I was charged for trash. I have paid proof where i paid staff to clean what I left in the unit. 

I was charged rent for a month that i paid the balance in full. I have proof reflecting it because rental assistance covered the amount.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

I have repeatedly reported this company for not abiding by 15 USC 6802. They did not provide me the proper disclosures when opening the account. I do not have a contract with them nor have I given them permission to report anything on my consumer report!
Consumer complaint received 2017-07-19
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. (AL)

There is a   XXXX   XXXX   account on my credit report. I disputed this over a year ago. The account was opened up in   XXXX   XXXX    Nevada. I live in  XXXX , Al. And we do n't have   XXXX   XXXX  . Someone fraudulent open this account up in my name. I researched and called the company a year ago and told them this is not my Debt. Please remove this debt from my credit file. I have no associated address in   XXXX   XXXX   Nevada. Better yet call my employment I been employed on the same job 30 years. Check my credit report.
Consumer complaint received 2023-05-12
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. (MD)

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 2024-11-06
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. (IL)

I am a victim of Identity Theft following the data breach involving XXXX. My personal information, which was compromised in this breach, has been fraudulently used without my knowledge or consent. On XX/XX/XXXX XXXX publicly reported a significant data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potential other personal sensitive information. Based on this breach, I have reason to believe that my personal data was compromised and used to open unauthorized accounts in my name. These fraudulent accounts consist of personal loan accounts opened with XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a personal loan account opened with XXXX XXXX XXXX on XX/XX/XXXX, a personal loan account opened with XXXX XXXX on XX/XX/XXXX, personal loan accounts opened with XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a personal loan account opened with XXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, a personal credit card account opened with XXXX XXXX XXXX XX/XX/XXXX, a personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a personal credit card opened with XXXX  on XX/XX/XXXX a personal credit card opened with XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX as well as personal credit card accounts opened with XXXX XXXXXXXX on XX/XX/XXXX and on XX/XX/XXXX, hard inquiries with Best XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX on XX/XX/XXXX, with XXXX XXXX XXXX  on XX/XX/XXXX, with XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, with XXXXXXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX XX/XX/XXXX, with XXXX XXXX on XX/XX/XXXX, with XXXX XXXXXXXX on XX/XX/XXXX and on XX/XX/XXXX, and a hard inquiry with XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent collections, closed accounts, multiple fraudulent hard inquiries appearing on my consumer FICO credit report and even having to file bankruptcy. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX  ), and ( XXXX XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of XXXX XXXX.
Consumer complaint received 2022-11-23
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. (LA)

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 XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account 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 corrected : XXXX XXXX XXXX XXXX : {$600.00}
Consumer complaint received 2022-11-21
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. (IL)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section1681i, and continue to report unverified information without providing any proof required by law. 3credit bureaus have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquirydate XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XXXX, XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX, XXXX
Consumer complaint received 2024-03-27
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. (SC)

I am writing to express my deep dissatisfaction with the repeated failures to address the issue of late open accounts, despite making three previous attempts to rectify the situation. This ongoing problem has significantly affected my financial standing and trust in your institution. 

The continued presence of late open accounts not only tarnishes my financial reputation but also raises concerns about the efficacy of your internal processes. As a valued customer, I expect prompt and efficient resolution of such matters to maintain trust and confidence in your services. 

I urge you to prioritize this issue and take immediate action to rectify the late open accounts associated with my profile. It is imperative that all discrepancies be thoroughly investigated and corrected to ensure the accuracy and integrity of my financial records. 

Furthermore, I request transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will compel me to explore alternative avenues for resolution, including lodging a formal complaint with relevant regulatory authorities. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Collections, Inc. (TX)

this company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2000.00} with XXXX & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2017-07-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked very long for has dropped over  XXXX  points because of something preventable. Thank you
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has stated that they would opt me out of reporting an account but it still being reported. See attached exhibits. The account goes as follows XXXX [ Account # XXXX ]. I demand that they remove it immediately.