davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent challenges I am facing in removing fraudulent items from my credit file. Despite multiple attempts to rectify this issue, the fraudulent entries remain, adversely impacting my creditworthiness. As outlined in my initial complaint, I reported unauthorized and fraudulent items on my credit file to XXXX Credit Bureaus. Subsequent to that, I have made additional attempts to dispute and rectify these inaccuracies. However, to my dismay, the fraudulent items persist on my credit file, causing ongoing distress and financial implications. I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also a source of great frustration. I kindly request that you escalate this matter and conduct a comprehensive investigation into the fraudulent items on my credit file. I have consistently provided all necessary documentation and information to support my claim, and I believe that the resolution of this matter is long overdue. It is my expectation that XXXX Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue, and I insist on receiving a specific timeline for the removal of the fraudulent items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XX/XX/XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : XX/XX/XXXX OpenedXX/XX/XXXX Balance : XXXX XXXX Opened XX/XX/XXXXBalance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$16000.00} XX/XX/XXXXOpened XX/XX/XXXX Balance : XX/XX/XXXXEQUIFAX MORTGAGE XX/XX/XXXXOpened XX/XX/XXXX Balance :XX/XX/XXXX OpenedXX/XX/XXXX Balance : XX/XX/XXXX OpenedXX/XX/XXXX Balance : XX/XX/XXXX OpenedXX/XX/XXXX Balance : {$16000.00} XX/XX/XXXX Opened XX/XX/XXXX Balance : XX/XX/XXXX
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (IL)

I grew tired of doing the same thing over and over again with no definite outcome. I have been submitting countless CFPB complaints and multiple dispute letters requesting to you to remove the fraudulent accounts and information from my Credit File. My Credit Report contains a significant number of fraudulent information and this is what I have been trying to remove. Someone has stolen my identity and used it to open these accounts without my knowledge or permission. I also have been submitting Identity Theft Report with the FTC to help resolve my queries in accordance with the FCRA section 605b. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. However, you have done nothing and I believe you will still do nothing. In accordance with the FCRA Section 605b, I need you to remove the following accounts completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have also been requesting that you send me copies of proof of verification from your investigation and yet I have been receiving nothing! Now I doubt your claims that the disputed items have been investigated. Failure to send me copies of documents to support your claims should have resulted in the immediate deletion of the disputed accounts! Now I need you to remove these accounts completely from my Credit file.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Reporting - XXXX XXXX XXXX XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, XXXX, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX on my XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX XXXX I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 

Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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. (CO)

There is a mortgage being reported from 2005 on my credit from multiple lending companies. One is from XXXXXXXX XXXX XXXX, and the other is XXXX XXXX XXXX XXXX. I have never bought a home and need all mortgage related loans removed from my credit. The amount on these loans is {$160000.00}. It shows the loans were transfered but it is not mine. I would have been XXXX XXXX XXXX in 2005 and it's impossible the information is mine.
Consumer complaint received 2024-03-30
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. (CA)

Dept. of education is reporting inaccurate information on behalf of my credit report and this company needs to be removed off my credit immediately. All 3 agencies has inaccurate information inaccurate Month ( terms ), payment status, Date late active and credit limit
Consumer complaint received 2023-12-28
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: LEXISNEXIS (MS)

I have communicated with LexisNexis regarding the bankruptcy that is currently reporting on my credit report and they have provided confirmation of this bankruptcy case : ( XXXX ), is not listed in their system with my profile. XXXX have sent me documents saying they have received confirmation LexisNexis. This is a lie. Attached you will find the correspondence from the Bankruptcy court house and Lexis Nexis regarding this matter. Please remove these items that do not belong to me from my credit report. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MN)

I have tried calling XXXX XXXX XXXX Card customer service multiple times to tell them I have not received a statement this month and to ask about other issues. No one answers the phone, the automated system goes nowhere. I am on hold for hours after which it hangs up on me. I have called at different times of day and night, same issue, on hold. No one answers. I expect to be able to talk to a human when I have issues about my card.This is not right. Customer service is non existent. 
I called the customer service number and the technical assistance number, same result, on hold, no answer from a human. 
Also, last month when I made a payment the agent wrote the wrong account number on my payment and they classified my account as past due but did not notify me for almost a month, when I got a call from collections dept. about " past due '' payment. I ALWAYS pay on time, have not been late in 26 years.I asked for a letter saying it was not my fault and only got a form letter which stated payment amounts.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I had XXXX checking accounts with U.S. Bank, XXXX that was about a year or XXXX old, ending in XXXX and a newer one I made ending in XXXX. In XXXX of XXXX, I rightfully disputed a set of transactions with U.S. Bank for account ending in XXXX. Instead of adhering to the standard dispute procedure, on XX/XX/2023, U.S. Bank unreasonably and without any warning, froze my account access and later mailed me a letter saying that they are closing my account due to " suspected fraud '' and that if there are any funds remaining in the account after the completion of any pending processes, investigations, possible potential fees, etc. those funds will be mailed to me via a cashier 's check. This did in fact occur and I received that check in XXXX. My newer account however, ending in XXXX, remained open and functioning normal. There was never any mention in any of the letters or my conversations with U.S. Bank representatives that in fact they intended on barring me from being a U.S. Bank customer entirely for reasons they can not or will not disclose to me. Instead of being competent and thorough and closing my other account ending in XXXX as one would expect given the circumstance and corporate decision, that account remained open and active and even continued to be able to receive deposits that I regretfully continued to make. All of a sudden, over a month after the account ending in XXXX was shut down, the account ending in XXXX was shut down, leaving over {$900.00} in it. The first account was closed for nothing more than me apparently just losing the dispute that i filed and now this account, was simply only closed because the bank decided they didn't want to have me as a customer any more. I spoke with bank reps, over the phone and physically at my local branch, who told me to obviously expect this newer account to follow the same closure process and that I can expect a cashier 's check with the funds remaining in it to be mailed before the end of XXXX. I waited all the way until XXXX to begin inquiring on what the hold up was. I was able to find out that now that account only has a remaining balance of {$270.00}, even though the last time I had access to it it was over {$900.00}, and that those remaining {$270.00} will not be mailed to me. That the bank has simply decided to continue to holding on to those funds for no feasible reason, held XXXX in something they call a " GL '' account and in a brank that's in XXXX, even though all mty banking with them has always been in my home state of XXXX.
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (TX)

My loans were switched from XXXX XXXX to Nelnet. Once that occurred, it took forever for the loans to transfer resulting in my credit being affected. Then I applied for the SAVES income driven repayment option. This has been processing for MONTHS. I keep getting automated emails that it is still in process, that they are behind and my account has been placed on administrative forbearance. Now my credit is once again being affected as my loans are now accruing more interest during this administrative forbearance. This is completely unacceptable for this company. I NEVER had issues with my credit with XXXX XXXX. This needs to be resolved. Is this even legal for them to drag their feel to continue charging us more and more interest?
Consumer complaint received 2024-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The attached XXXX  was provided to my when i looked up if my personal information was affected, and it was in fact part of Equifax data breach. Equifax had a data breach and my personal information was obtained and used to get credit that was not authorized by myself. Inquiries were added to my credit report that were not initiated by myself. Several accounts have been placed on my credit report, and even with supporting documents provided to Equifax I've been told they have verified the information as correct. If your business is for profit corporation, and anyone paying for your service means they can and will put information even incorrect just as long as equifax is receiving income from said creditor and or business.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AZ)

My citibank savings account has been deactivated due to inactivity. I have sent two letters to them with the info requested to the address asked and they have not received those two letters. I have spoken to about 30 people in XXXX and hung up on. I have not had access to my funds for 90 days. They have XXXX that is my whole savings. I cant speak to anyone in the US. I have literally tried every phone number. There is no location in my state.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
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: CREDIT ACCEPTANCE CORPORATION (LA)

I asked the credit bureau to do an actually do a verification of everything on my credit report and they did everything and stated everything was accurate and I did a thorough research myself and found improper inaccuracy on my credit app, report. Even after they did a thorough research right. In accordance with the Fair Credit Reporting Act cXXXX  Credit Acceptance Account # XXXX has violated my rights. 
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 consent
Consumer complaint received 2024-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved
Consumer complaint received 2023-08-15
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. (CA)

XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that i have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

Hello, My issue is I have been in XXXX XXXX so my pay checks have been late. Between that and the holidays I ended up going negative. I couldnt make it to the bank to put any money in. At one point, I was able to put in {$200.00} but then the fees started, and I had no more money left. I just want the money back, please. 

XXXX {$70.00} XXXX {$35.00} XXXX {$35.00} XXXX {$35.00}
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Since XXXX I have had an identity theft and it was reported to the Police, FBI, S.S., Federal Commission and the credit agencies. I have informed the three Credit Agencies and XXXX XXXX XXXX on several occasions that this account does not belong to me since someone made a request without my authorization. I have problems with XXXX and Trans Union that, even though I sent them a police report, they have not deleted my credit account.
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (ND)

Started paying student loans since XXXX My account has been scolded multiple times. Received a letter from Mohela stating they are my new holder f my loans. I contacted them on XX/XX/XXXX via phone. I asked them for the loan information ( payment history and statements ). I was informed to go online at studentaid.gov. No information was available.