davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-01
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)

Last year I opened a XXXX membership and I got a credit card and a new accounts. Unfortunately, even though the XXXX XXXX has a Zero Fraud Policy they still didnt give me the credit back for the fraudulent transactions that took place on the credit card. The moment I reported the fraudulent transactions to them they closed the account and they didnt give me any information. On top of that they didnt complete the fraudulent transaction dispute failed to complete the investigation and the bank did the unthinkable by sending the fraudulent transactions that were billed to the account and then they reported it as derogatory to the credit reporting agencies. Im confused by this because I dont understand how this happened to me. This is a very simple example of how the banks get sued. They have fraud representation on staff who have been given the authority to close the account without any compensation for the loss and when it comes down to the bank being compliant they are not. This credit union is criminal because if they were violated the way I was XXXX back office would have followed the law perfectly. Even though they have been doing this for over a year now they have destroyed my credit.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I upgraded to chase sapphire proffered card to the reserve card on XXXX XXXX. At the time I had XXXX rewards points in my account. I upgraded over the phone and noticed that my points balance was at XXXX. I called customer service and they said it would take 7-10 days to receive the points. After that time I called back and was told the points should have automatically transferred when I upgraded the card. The issue was escalated to a supervisor. I called back two weeks later and spoke to a supervisor who said that my points were transferred to another persons account, that after looking into it it may have been fraud by the representative who upgraded my card. I received a letter XXXX XXXX that the points would be added to my account. It is now XXXX and I have not received my points back. I called back to chase and keep getting the run around and having to explain my issue all over again.
Consumer complaint received 2023-09-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MD)

National Credit ServiceXXXXXXXX XXXX XXXXXXXX XXXX {$3500.00} amount. 
Company constantly place on my report with various companies the same debt. Please have this company to delete this information on my XXXX, XXXX, and XXXX report, this is damaging. I am homeless XXXX yrs old need this inaccurate information to be taken care of constant identity theft.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I received an updated report history on my credit file from delinquent to current on one of the accounts I previously reported as inaccurate ; however, the company closed the account immediately after this occurred but did not update the credit file on the second card as requested. I have continuously asked this company to update my credit file to current so I can resume payments on the account, even offered to pay the account in full to delete the negative payment history because this is affecting my credit history in an attempt to purchase a home. I would like for the remaining account that is open to be updated to the current so I can resume payments on the account. As stated before, I was under financial hardship due to my personal bank account being compromised, and have made every attempt to resolve this issue. Per the letter that was sent back in XXXX, the company stated they were going to close these accounts ; however, again one has remained open and constantly reporting late so this is an inaccurate reporting.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

The following information needs to be deleted as I have disputed this inaccuracy multiple times. I have attached a letter from BK court showing this account they never reported to any third party entity I demand immediate deletion and future blocking of this account.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. ()

I am writing to bring to your attention a legal matter which has been ongoing since XX/XX/XXXX. This is related to the closure of my late father 's bank account with Citibank, which has been handled by Citibank in a way that is very confusing and distressing. 

On XXXX XX/XX/XXXX my father very sadly and completely unexpectedly passed away. He was in XXXX with the family at that time. Later in the year we found out that my father was a Citigold customer at Citibank, XXXX, Florida. 

My father had no will but under XXXX Law he has XXXX beneficiaries all XXXX other beneficiaries gave me the authority to act on their behalf, in securing their rightful inheritance, in this case my late fathers bank account with Citibank. Under XXXX law, that is all that is needed for me to assume that responsibility. 

At the beginning of XX/XX/XXXX, I contacted Citibank for the first time by telephone and informed the bank of my fathers passing. Since then, even though I have provided every single document from the checklist Citibank originally sent, together with some other documents requested on several occasions at a later stage, often with insufficient or no explanation or justification for such requests. Despite that, Citibank refuses to release my fathers funds, although Citibank has recognized seemingly, that the XXXX of us are indeed the rightful beneficiaries. 

During the last XXXX years Citibank and their team assigned to my case were not only making it difficult to effect the closing of my late fathers account and the release of the funds to his proven beneficiaries, but they also threatened me on a few occasions with changing the status of the bank account to inactive as well as abandoned. 

Therefore, I hereby respectfully request you and your office to contact Citibank on our behalf to sort out what lies behind their refusal to act professionally and reasonably in releasing our funds. If my late fathers funds are not promptly released, I will have no choice but to consider potentially seeking legal redress, with all the additional stress and costs that such a course of action could incur for us. 

I await your response, and I am hopeful that the Consumer Financial Protection Bureau can help in resolving the closure of my late fathers Citibank account and the release of the funds to his rightful beneficiaries. 

The history of this whole process thus far, is set out in the attached document.
Consumer complaint received 2024-04-01
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. (FL)

This grumbling to TRANSUNION was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Consumer complaint received 2023-05-08
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. (WI)

They are reporting inaccurate information on my credit report. The dates and amounts that there saying I owe are incorrect also the addresss are incorrect. 
The car was also sold in a auction and the remaining payments are incorrect.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

I was scammed into depositing a fake check on XX/XX/ and now my accounts are being closed as well as I am not able to open any new accounts. The check amount was for {$3500.00} and was made to a Wells Fargo bank.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America chose not to do business with me. They have yet to notify me of why stating they do not have to provide me with a reason. Next they stated my account was closed. The account was not closed so my deposits still went into that account. They will not release any of my funds and keep telling staff to not provide me my funds or any information regarding my account. They stated it would take 10 days to close. They have stated it closed on the XXXX but no check was issued out. Today on the XXXX a man named XXXX in the risk account closure XXXX stated theyll close my account when they close it. No set date ever has to be made nor information provided. I would like the funds off that account and for Bank of America to be held accountable for their lack of information and understanding towards a consumer.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In this complaint Im going to list the FCRA violations pertaining to XXXX account ending in XXXX Complaint XXXX was submitted XX/XX/XXXX which was a reinvestigation of previous complaints. Equifax disputed the account which came back verified. The confirmation number for this dispute is XXXX. During the reinvestigation Equifax did not record the status of the disputed information therefore the account should have been deleted before the end of the investigation. I confirmed this by taking the facts directly from my Equifax credit report and also I called Equifax on XX/XX/XXXX at XXXX central time and spoke to XXXX employee ID XXXX  and she stated there was no notice of dispute during the investigation. This is a violation of Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute. This is straight from the FTC government website. 

I disputed the reporting of an available balance of negative XXXX. The account is closed, the available balance is XXXX. Continued reporting in the payment history after the account has been closed. How are the inaccuracies being verified when the facts are coming straight from my credit report? Under 15 U.S. Code 1681e - Compliance procedures, Equifax by law shall maintain reasonable procedures designed to avoid violations. Using an automated system is not a reasonable procedure to ensure maximum possible accuracy. This procedure is not equitable which has now caused violations of the FCRA. Using the same procedures for reinvestigation is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I want the account deleted immediately.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a complaints XXXX ( Equifax ) XXXX XXXX ( XXXX ) on XX/XX/XXXX for XXXX XXXX account # XXXX XXXX XXXX. The account came back verified with both complaints. How is the account verified on both complaints when the facts are directly from my credit report showing a 2 year difference for the date of last activity. XXXX is reporting XX/XX/XXXXXXXX  for date last active while Equifax is reporting XX/XX/XXXX. Under 15 U.S. Code 1681e - Compliance procedures, Equifax by law shall maintain reasonable procedures designed to avoid violations. Using an automated system is not a reasonable procedure to ensure max possible accuracy. This procedure is not equitable which has now caused violations of the FCRA. I wanted the account deleted due to inaccurate information reporting to this account which is now causing violations of the FCRA.
Consumer complaint received 2022-12-09
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. (GA)

XX/XX/2022 I notified Transunion XXXX XXXX that I was victim of identity theft. 
The XXXX notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. 
Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities. 
Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion is reporting information that is not correct. I never reside at XXXX XXXX XXXX XXXX AZ. I dont work for for XXXX XXXX please remove it from my credit profile. 
XXXX is reporting collections this account was closed by consumer. This account was never late it was paid on time. XXXX XXXX XXXXXXXX account XXXX is showing as been late. This account was never late it was paid on time. This account was closed by me.
Consumer complaint received 2023-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX XXXX  Original Creditor : XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN GDIR CEO ION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX 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 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2023-09-14
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX Account # XXXX XX/XX/XXXX, XXXX- XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE and 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I disputed XXXX XXXX  opened XX/XX/XXXX amount {$750.00} and XXXX date opened XX/XX/XXXX amount {$11000.00} both XX/XX/XXXX and XX/XX/XXXX. I included a notarized FTC report to both companies as well as credit bureaus and the accounts have not been removed. These accounts are not mine and was opened fraudulently.
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

The account is closed and paid off by settlement meaning no more inquiries should be popping up on my credit report it was paid off months ago. I was in a terrible car accident and the insurance and financial company didnt want to do anything about even the few lawyers I talked to said these are the worst companies to do business with as they always try to get out of paying any money towards accidents. Now they keep putting out inquiries to the credit bureau, now messing up my credit score that Ive been in the process of fixing so that Ill be able to buy a home.
Consumer complaint received 2024-04-02
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. (GA)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Collections account from Portfolio Recovery showed up on my Consumer Report, without ever reaching out about alleged debt out. I never received phone call or mail about alleged debt owed. I then attempted to contact the company by email and letter, requesting validation of debt owed and never received any correspondence back. I requested validation of debt. To this day, I have never received any communication from Portfolio Recovery regarding this debt or any validation that I owe the alleged debt. 

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