davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AZ)

I opened a Citigold checking account on XXXX XXXX, XXXX. I signed up with a promotion that said that were I to meet a certain set of criteria, I would receive XXXX ThankYou Points as a bonus. 

I confirmed multiple times with Citibank representatives via online chat that the bonus was indeed applied to my account. I have documentation of one of these interactions, which happened in XXXX XXXX. A representative, XXXX, confirmed that I had the bonus applied to my account, that I had met all the necessary requirements to meet the bonus, and that I would receive the XXXX ThankYou Points by no later than XXXX XXXX, XXXX. 

After XXXX XXXX had passed, I once again contacted Citigold online and spoke with a rep, XXXX. He told me that the promotions team would instigate an investigation about th e points. 

I then received an email from XXXX XXXX, from Citi 's Client Research department, who told me that " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. '' However, multiple citi reps had confirmed to me prior to the XXXX letter that I did in fact have the bonus attached to my account and that I would receive the points at the end of XXXX. I know the bonus was attached to my account, since I would never have consented to open the account and pay the $ XXXX monthly fee otherwise. I hope Citibank follows through on its promises and sends me the promised XXXX ThankyYou Points.
Consumer complaint received 2023-02-02
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. (NC)

I have a closed/dismissed bankruptcy that Transunion, XXXX and XXXX are reporting on my consumer report without consent of negative and harmful feedback on my profile and hindering processing for housing. Due to this being a violation of my right to privacy under Title 15 US code 1581, I have requested removal by Cease and Desist as well as an Affidavit of Truth and received no remedy from these agencies. I have contacted the courts where my previous bankruptcy was filed and they have verified that they did not provide my information as either. I would like the reporting of this bankruptcy as well as all addresses associated with this filing removed from all reporting agencies.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-05-31
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. (FL)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX : XXXX  XXXX, XXXX XXXX  : XXXX  XXXX, XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX  XXXX  credit reporting. I have evidence to prove my case
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (MO)

Per a credit report I received in XX/XX/2020, there were opened credit cards and addresses that were fraudulently attached to my social security number. I reported this to Equifax and major creditors and have a fraud alert placed on my account. I have filed a few disputes on the account, but not all has been adjusted. I need these taken off of my credit score so I can be adjusted to where my true score should be.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, My name is XXXX XXXX XXXX, I have tried contacting Experian and XXXX XXXX and XXXX regarding my name on my credit report. 

Only XXXX has changed the Wrong information and put in the Correct, please check. 

I showed proof To Experian and XXXX XXXX of my Social Security number and Drivers License that both state my correct name and no other which is XXXX XXXX XXXX. 

Experian has not changed my name with 2 Main Government Identifications. 

There Seems to be names on my consumer report that are wrong, these names are : WRONG NAMES : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... ..ALL these Names are INCORRECT AND NOT MY NAME, THERE IS SOMETHING TOTALLY WRONG WITH MY REPORT. 

WRONG ADDRESSES : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, XXXX Enterprise XXXX XXXX, XXXX Fl, XXXX, XXXX XXXX  Av XXXX Fl XXXX, - These addresses are incorrect and not mine. 

CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX for Several Years now. CORRECT NAME AND ONLY NAME : XXXX XXXX XXXX My Only Employment is : " XXXX There Do I See My XXXX XXXX " I have worked here for over XXXX, I do not work at XXXX XXXX XXXX Pr XXXX XXXX XXXX or any other Job. 

My Correct Information for my Consumer Report should be : Only Name : XXXX XXXX XXXX Only SS # : XXXX Only Birth Date : XXXX Only Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl XXXX Only Employment : XXXX There Do I See My XXXX XXXX I have Attached Correct Documentation Proving Who I am. Please have this corrected for it is totally incorrect, I should only have 1 name and address etc which is Mine. All this wrong information is hurting me in tryin to buy a home for my family. Also I noticed on my credit report that someone Authorized a Personal Statement of Fraud. I have never gave this permission. Please remove that statement. 

Thank You Guys for your help XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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. (FL)

This is my 9TH endeavor 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  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$0.00} CXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-01
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. (MT)

I filed a previous dispute because all of my student loans with XXXX XXXX are paid off. They removed all but XXXX of the student loans. I have notified them and also the credit reporting agencies and XXXX XXXX still won't remove the balance and report the loan as paid.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a collection showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report.
Consumer complaint received 2023-05-31
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, I am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I paid off my mortgage on XXXX XXXX, 2015 to Nationstar Mortgage. 
The lien release/Release of Mortgage/Satisfaction of Mortgage hasnot been recorded in the XXXX XXXX, Florida as ofXXXX XXXX, 2015. Florida statutes deadline to record is XXXX daysfrom the pay-off date for this matter. I have called to NationstarMortgage numerous times to resolve this issue with no success. 
The mortgage is under my wife, XXXX XXXX.
Consumer complaint received 2023-04-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please be advised that I have received your computer-generated letter stating that, you could not honor my re-investigation request due to Proof of Address Unacceptable- Reason # 4 only one form was provided.

When looking at the required materials for a dispute on the TransUnion website, nowhere does it state that two forms of proof of address are required. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on, XX/XX/2023, by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by menot a third-party agency. 

Please be advised that TODAY, XX/XX/2023, makes the 15th calendar day from when you received my request, and BY LAW, you were supposed to provide, to me, as the consumer, THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION. 

You have now, in fact, VIOLATED the law and MY RIGHTS as a consumer. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.
Consumer complaint received 2015-08-18
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: NATIONSTAR MORTGAGE LLC (AZ)

I became XXXX in XX/XX/XXXX. All my reserves were spent on medical costs. Missed a payment on my mortgage XXXX. Rec 'd notice of intent to foreclose from XXXX XXXX. Vacated the house, in anticipation of foreclosure. Filed bankruptcy XXXX, discharged XXXX. XXXX XXXX XXXX completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until XX/XX/XXXX, when they sold the mortgage to Nationstar. Nationstar continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. XXXX XXXX XXXX went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by XXXX months. They applied an {$11000.00} lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay XXXX XXXX XXXX, regardless of the bankruptcy. This week I received a letter from something called XXXX XXXX XXXX, which claims to be working for XXXX. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still XXXX and unable to work. Every month is a struggle to make the Social Security XXXX, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. XXXX XXXX XXXX should never have sold this nonexistent mortgage. I communicated all of this information to XXXX XXXX XXXX, countless times, and then, to Nationstar. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to.
Consumer complaint received 2023-02-15
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. (LA)

My identity has been stolen and Cominenty Bank requested my credit without my permission. Two seoerate accounts at cominety bank have attempted to be opened. Have called several times and waited over 2 hours each call. I did talk with someone today and informed them but Im unsure if all this will be removed from my credit
Consumer complaint received 2023-04-18
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX is reporting inaccurate information on my credit profile. They are remaining late payments as XXXX XXXXXXXX XXXX  days late, OXXXX XXXX XXXX days late, XXXX XXXX XXXX days lateXXXX XXXX XXXX XXXX days late, XXXX XXXX XXXX days late and XXXX XXXX XXXX days late. 

A late payment can not be reported as 120 days late in XXXX of XXXX and then reported as 90 days late in XXXX XXXX That is inaccurate reporting and a violation of my consumer rights. 

Per consumer law- 15 U.S. Code 1681- Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) 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.
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC (SC)

A company by the name of Wakefield and associates is calling me repeatedly and asking for personal information. They refuse to tell me who they are trying to reach or what is owed and seem to be focused on collecting information from me, however i do not have dept as i pay Everything on time. I don't have money problems. They also refuse to send me information by mail.
Consumer complaint received 2015-07-21
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

We have a company sending a demand notice she said it is not a school loan we filed a chapter XXXX bankruptcy on XX/XX/2012 I called them they will not provide any information regarding the account it is on our credit and we are trying to buy our XXXX house please help the name of the company is educational computer systems inc.
Consumer complaint received 2024-02-29
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. (UT)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.