davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my second endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent TransUnion a dispute letter via certified mail in XXXX of last year. The dispute was received by TransUnion and was confirmed through signature of receipt from a TransUnion employee. I called and inquired about the results of my investigation today XX/XX/XXXX and was told by a TransUnion employee that they didn't receive my dispute letter until XX/XX/XXXX and the investigation wasn't started until XX/XX/XXXX despite my receipt stating otherwise. Now according to the FCRA they had 30 days from the time of receipt to investigate my dispute and it is passed that 30 day window. So now they are in violation of my consumer rights per the FCRA and FDCPA. Not only did they not do their due diligence an investigate my disputes but the disputes is still ongoing and they claim they are waiting on the creditors to respond and the investigation won't be complete until XX/XX/XXXX. Now if they received my dispute letter on XX/XX/XXXX and after XX/XX/XXXX the investigation is still not complete after 30 days how are they allowed until XX/XX/XXXX to complete my investigation? According to federal law if a consumers dispute is not investigated and verified after 30 days it must be DELETED FROM MY CONSUMER REPORT IMMEDIATELY!!!! A consumer does not have to wait any longer than 30 days for an investigation to be done for any reason. Per FCRA any unverified account must DELETED from my consumer report and if TransUnion can't show me verifiable proof of any account in question has to be DELETED from my consumer report IMMEDIATELY!!!!! 



I'VE ATTACHED PROOF THAT TRANSUNION RECEIVED MY DISPUTE LETTER OVER 30 DAYS AGO AND HAVE FAILED TO COMPLY WITH FEDERAL LAW PERSUANT TO FCRA 611 ( a ) ( 1 ) ( A ) PROCEDURE IN CASE OF DISPUTED ACCURACY.
Consumer complaint received 2023-01-05
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. (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 name : # XXXX, Account name : #, Account name : # XXXX, Account name : # 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 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 2020-06-11
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. (AR)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.
Consumer complaint received 2020-06-11
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. (AR)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.
Consumer complaint received 2024-03-23
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: EQUIFAX, INC. (NV)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
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. (MO)

Transunion should not be reporting a collection in the amount of {$5200.00} on the XXXX XXXX original creditor XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX. I have attempted numerous times to contact XXXX, as well as Transunion to verify this account. I have never been notified of any collection and was not aware there was a collection until I obtained a most recent copy of my credit report. In addition, the Social Security Number on this account is incorrect. I have attached a copy of my drivers license and SSN card for verification. I have also attached a copy of the Fraud Affidavit I filed against this account. I have contacted the bureau to have this line item removed from my credit report however, I have not been successful. This false reporting of a collection, that does not belong to me, is seriously harming my credit score and is hindering me from purchasing a new home. Please remove this item from my credit report.
Consumer complaint received 2024-03-23
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: EQUIFAX, INC. (FL)

Im unable to dispute this online with XXXX XXXX XXXX XXXX has refreshed all late fees on my credit report. This is fraudulent this is malicious this account was closed in XXXX and they were refreshed it like everything was brand new driving my credit score XXXX
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OR)

I refinanced my two homes with Loan Depot in XX/XX/2020. Both loans were to have first payment due dates of XX/XX/2020. Two weeks ago I received billing statements with a first payment due date of XX/XX/2020, as expected, and a second statement with a due date of XX/XX/2020, which I didn't expect. I called and emailed my Lending Officer,  XXXX XXXX, and informed him and his boss XXXX XXXX of the statements I received. They responded that they were sorry, there had been a mistake as both first payment dates were supposed to be XX/XX/XXXX. They also said there was nothing they could do to correct the problem, I would either need to pay {$2200.00} now or {$1100.00} to delay the payment until XX/XX/XXXX.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I have been a member of Citibank since XXXX. Today, I received an email saying that my account was closed. In my 22 years with Citibank, I have never been late, and never not paid my statement in full. Perhaps one or two times, did I have a service charge for cash advance fees. Essentially, I was a model credit card holder for the company. Then, today, XX/XX/XXXX, I received an email that my credit card was closed. I thought it was a mistake as I have had no problems with Citibank. I called and they said I had not used my card since XX/XX/XXXX and they closed it on XX/XX/XXXX. I did not have any warning and never was informed that I had to use my card during the Pandemic or during tough financial times in order to keep my account open. When I called to try to get my card reopen because it is the oldest card on my account, and would have a negative result on my credit report, they would not do so. They were unapologetic and did not care at all that I had been a member for so long. And the representative " XXXX '' said that they have a right to cancel my account at anytime and for no reason.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I requested that XXXX XXXX, XXXX XXXX, and XXXX XXXX provide me with documentation justifying them reporting late payments on my credit report. In turn they did not provide this information and Equifax and XXXX continue to report inaccurate late payments that are causing negative affects to my credit report and my ability to obtain credit.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Hi, Im unable to dispute this account online. This account has maliciously caused my credit report to go from Good to fair just by me trying to dispute this. They keep refreshing this making my credit report bad OK and Im not going for this at all I will get a lawyer and we can handle this in court. My credit report just dropped XXXX points because they keep putting 120 days past due that is not true that is messing my credit up emblem XXXX.
Consumer complaint received 2023-01-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XXXX of XX/XX/XXXX I wrote a dispute letter to your Consumer reporting company to uphold the FAIR CREDIT ACT Section Act 609 that requires them by federal law to verify through the physical verification of the original signed contract any and all accounts that post to your credit reports. The accounts that I requested to be deleted were not authorized by me and do not have my correct name. It has been over 30 days and the accounts have not been deleted. I have sent a " Demand to Comply '' letter on XX/XX/XXXX to delete the disputed items off of my Consumer Report because it has been over 30 days. The consumer reporting agency has not Complied and I demand by Federal Law that they should have complied to my demand. Please enforce this demand and protect my Consumer Rights.
Consumer complaint received 2023-05-26
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. (TX)

XXXX shows as an account on TransUnion and XXXX while showing an inquiry on XXXX. All are fraudulent because I've never applied for credit for this service or account.
Consumer complaint received 2023-03-03
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: AMERICAN EXPRESS COMPANY (TX)

I tried to apply for American Express Credit Card on their startup program on XX/XX/2022. They said it would be soft credit check as advertised on their site. My call went to a different department where they took my application and did a hard credit check. Multiple AMEX agents confirmed that they would get my hard credit check removed in 90 days. 

It is still post 90 days and the hard credit inquiry on all three credit bureau still persists. AMEX other department approved my application but I didn't want that card and I wanted card under startup program so I declined the card and asked them to ensure that there is no hard inquiry on my file. 

Application Ref : XXXX When I called Credit Bureaus they said that AMEX has to remove these hard inquiry else it will stay there for 24 months. 

I have audio recordings with AMEX agents that confirm that they made a mistake in hard inquiry and it will be removed.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NV)

I AM VICTOM F AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL REQUIRED PAPERWORK TO THE BUREAUS AND TO THE BANK BUT SEEMS LIKE THEY ARE PLAYING GAMES AND TREATING ME THE CONSUMER AS A LITTLE KID, EVERY TIME I CALL THEM EITHER THEY DON'T HAVE NAY INFORMATION, THE ACCOUNT SHOULD BE REPORTING, THEN THEY ASK ME FOR IDENTITY THEFT REPORT, WHICH I SUBMITTED NUMEROUS TIMES, NOT ONLY I GAVE THEM THE IDENTITY HTEFT REROT, I ALSO GAVE THEM POLICE RPEORT. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT REPRT.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone stole my identity and opened many accounts wihtout my permission or authority. Please check 100 percent accurate, true correct. XXXX XXXX is aware of the issue & agreed to remove the account from my credit file. Please remove.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (WV)

On XXXX, 2020, I was told by XXXX XXXX and a XXXX XXXX XXXX that the bank was no longer taking my calls. I tried to explain that on a recent mobile banking call, the bank teller refused to use my secret password that was set up. Instead, she insisted on hampering me for my social security number. When I explained I had this password set up, she hung up the phone on me. I quickly called the branch= XXXX XXXX and XXXX XXXX XXXX XXXX report this. No assistance was offered. Instead, I was only greeted with the rudeness & punitive behavior. Please, assist as I'm sure there are others whom affirm that bank issues passwords to protect you they should thereby use them= not abuse them and punish the customer. As a result, the bank has not allowed me to call or enter the bank for assistance. Is this fair?
Consumer complaint received 2020-08-04
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MS)

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. 
XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX, Account XXXX XXXX 
15 USC1681 Section 602 States " I have the right to privacy. 15 USC 1681 Section 604 A, also states " A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Sections states " no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under Title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless -- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-15
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. (TX)

I uploaded the following letters sent to trans union. the XXXX was on XXXX XXXX the XXXX was on XX/XX/2022. I sent the 2nd letter because there was no response to the 1st.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (NV)

I AM VICTOM F AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL REQUIRED PAPERWORK TO THE BUREAUS AND TO THE BANK BUT SEEMS LIKE THEY ARE PLAYING GAMES AND TREATING ME THE CONSUMER AS A LITTLE KID, EVERY TIME I CALL THEM EITHER THEY DON'T HAVE NAY INFORMATION, THE ACCOUNT SHOULD BE REPORTING, THEN THEY ASK ME FOR IDENTITY THEFT REPORT, WHICH I SUBMITTED NUMEROUS TIMES, NOT ONLY I GAVE THEM THE IDENTITY HTEFT REROT, I ALSO GAVE THEM POLICE RPEORT. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT REPRT.