davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (WI)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (TX)

I applied of this card on, When signing up I typed in my po box for my mailing address, and I also put my physical address for the portion where I was required to do so. 

I never received the card, and called about 3 weeks after applying and they said they would send a new card, and I never got it. 

I a called 2 weeks later, and then a week later about the card. 

Then they stated they sent the card to my home address but via my application and my chat messages which I have screenshots of I explained to them, my home address is an apartment, and someone has been stealing mail. 

So I opted to send the card to my po box , and every time I check on the card they keep saying its been sent to my home address. 

However I have informed delivery, which shows you the mail you have coming to your house and at no point and time have I received a notification from them about my a card from this company. 

I applied for others cards, from a company that was recently absorbed and turned into what is now called XXXXXXXX XXXX, so because I never received this card, and the other company I applied for was absorbed I thought it all became one entity. 

I believed that to be the case, because they all use XXXX XXXX, so I thought it was a company wide change. 

Long story short both this card and the other company were reporting a balanced owed on cards I never received. 

From my understanding which I could be wrong is that you have to activate your cards before they can appear on your credit report, and neither company explicitly state that they are essentially secure cards, on their site nor the XXXX XXXX app which is false advertising. 

In addition to that it took basically two months, I have yet to receive my card but its reporting on my credit as if it is activated already. 

Long story short 1. I need them to send the card via the mailing method I gave them. 
2. Their app freezes, and employees prematurely disconnect mid conversation 3. The phone reps are just as terrible, and hang up mid conversations 4. They have no record of prior emails or phone call supposedly 5. I
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

in XXXX of XXXX a cXXXX XXXX bankruptcy was reported on my XXXX, XXXX, and Experian. I myself have never filed bankruptcy. I then reached out to the credit bureau requesting to disclose who reported this information. they then responded and said the courts, I contacted the courts they stated they don't report to credit bureaus. I sent another letter in XXXX of XXXX requesting the same info, the credit bureaus responded and stated " XXXX XXXX ' provided them with the information. I reached out to XXXX XXXX to inform them of the inaccuracy and they REMOVED the bankruptcy from my XXXX XXXX. I then sent the credit bureaus the removal from XXXX XXXX  and on XXXX updated my profile and removed it. the last couple of years I have been going back and for with Experian and XXXX about a bankruptcy that is not accurate and they will not remove it nor will they give me some proof on why they believe it belongs to me
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (VA)

Dear DEPT OF EDXXXX, I am writing to request the deletion of certain student loans from my credit report as provided for under Federal law specifically 15 USC 1681b ( a ) ( c ). I believe that the inclusion of these student loans on my credit report is in violation of the law, and I kindly request your assistance in rectifying this matter.

As you are aware, 15 USC 1681b ( a ) ( c ) mandates, that consumer reporting agencies, such as yours, Must insure the accuracy and fairness of the information they include in credit reports. According to my understanding of the law, certain student loan should be exempt from reporting after a certain period of time, provided they meet the necessary criteria outline in the statute. 
After conducting a thorough review of my credit report, I have identified the following student loans that I believe should no longer be included : Loan type : Education loan Creditor name : DEPT OF ED/XXXX  Date : XX/XX/XXXX Loan type : Education loan Creditor name : DEPT OF ED/XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : DEPT OF ED/XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : DEPT OF ED/XXXX  Date : XX/XX/XXXX Loan type : Education loan Creditor name : DEPT OF ED/XXXX  Date : XX/XX/XXXX Loan type : Education loan Creditor name : DEPT OF ED/XXXX Date : XX/XX/XXXX I kindly request that you investigate the inclusion of these loans on my credit report and take appropriate action to remove them if they indeed meet the criteria for deletion under 15 USC 1681b ( a ) ( c ). I understand that the law allows for the removal of obsolete and outdated information, and I believe that these loans fall within those parameters. 
I have attached relevant, supporting documentation that demonstrates the eligibility of these loans for removal if there is any additional information or documentation required from my end, Please let me know, and I will promptly provide it. 
I kindly request that you respond to this matter within the timeframe for by the federal law to ensure the timely resolution of this issue. Please communicate with me in writing, regarding any action taken, or any further steps required on my part. 
Thank you for your attention to this matter I look forward to your prompt response in the successful resolution of this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-12
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. (TN)

I have hired numerous companies and sent letters myself to these reporting agencies. My legal name ends with a V and that is the only way I sign legal documents. Old addresses keep appearing and some address I have never held residence in. My address is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NV)

I pulled up my credit report and noticed some inquires that I had no knowledge of. I reached out to the companies to see if this was a mistake and they said it wasnt. So XXXX claiming it as identity theft. I have no accounts associated with any of these creditors. Ive already submitted an identity theft report with the FTC based off these companies that inquired on my report : XXXX on XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX Consumer Portfolio XX/XX/XXXX Deluxe auto Finance XX/XX/XXXX Exeter Finance LLC XX/XX/XXXX Please look into and removed from my credit file immediately. Again I have no credit history or any open accounts with these creditors and it is illegal to tie me to an account XXXX not associated with, by law.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Hi Dear. I have a Problem with Bank of America because in XX/XX/24 they Cashed/ Deposit a Check from my Business Account for the Amount of {$12000.00} the check was a Fake and the Signature and I notice in XX/XX/24 and I try to Solve this Problem with Them but the Refuse to Refund the money. The Excuse they Give me is because I Take Long time to Report. But Last Year We had Very Bad Situacion with My Wife in the XXXX and I Have all Medical Records and I send to Them but I Don't Think They Don't think They Even Read It, Because they Denied in the Second Day. Was About 50 Pages. 
Also the Day is Marked in the Check my Wife Was in the XXXX and this Situation Its Causing Us XXXX. We Work So Hard and We Trust to Put Our Money in the Bank and Its Unbelievable How the Bank Of America Did this Transaction with Fake Check and Signature. 
I Really Appreciated Any Help. 
Thank You XXXX XXXX
Consumer complaint received 2023-07-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-10-25
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. 

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. (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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number: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 2023-05-22
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. (KS)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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. (MD)

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 the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX  XXXX Balance : {$5500.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$5500.00} XXXX  XXXX Balance : {$17000.00}. XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-08-16
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. (NY)

When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-07
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. (TX)

The following inquiries were to be removed after 2 years yet they are still reporting. Please remove the following inquiries immediately : XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (OK)

On XX/XX/XXXX I got a call from a Citi fraud rep advising me my debit card had been skimmed at a gas station and that the skimmer was using my card in Texas at a best buy. The rep then told me to log into my app and hit okay on a wire transfer so they could lock my account. I didnt realize that scam callers could spoof your banks number. Actual Citi reps have called me before and give them the verification code to make changes to my account before so i assumed this was what was going on since they also asked for the code. I filed a dispute with Citi but I got a letter today XX/XX/XXXX stating t hat since the wire came from my app they will not be refunding me the {$2800.00} that was taken out of my account. I did not benefit from this transaction at all and was actually scammed and now they are shutting down. Please assist
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc. (NC)

I believe the account is invalid. SST/XXXX  needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.SST/XXXX XXXX
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX Experian is reporting inaccurate information on my credit file which is a violation of my consumer rights FRCA LAW. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, settled this account XX/XX/22 via phone with representative XXXX XXXXXXXX XXXX XXXX XXXX XXXX Receipt of payment will be attached. Voice recorder to Payment settlement will be sent to each bureau and CFPB TO PROVE THIS WAS SETTLED FOR {$300.00}. Credit report is reporting inaccurate pass due amount, open balance, which if inaccurate information. 
The account is NOT being thoroughly investigated, but is responding by a generated response. No one is actually investigating this account and now Im going to get an attorney for lawsuit because my consumer rights XXXX continue to be violated by Experian, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was hospitalized in XX/XX/2023 for having a XXXX, I submitted a XXXX letter to the company asking them to help me ( not to report a late payment ). I made a payment on my account immediately when I got access to a computer. I just need some patience due to my situation. I usually make my payment on time.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I reviewed my credit report on XX/XX/XXXX and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX I demand that these things be investigated and removed from my report in accordance with the provisions of the Fair Credit Reporting Act. It's my understanding that you'll double-check these items with the creditor who uploaded them. Please eliminate any information that can not be verified by the creditor. I realize that you must finish this reinvestigation within 30 days of receiving this letter under 15 U.S.C. Sec. 1681i ( a ).

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX