davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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. (GA)

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  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX 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 instructions
Consumer complaint received 2016-09-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (MD)

I have several complaints against Citibank especially with a XXXX XXXX XXXX a client liaison. He has accused me of being non compliant in paying off an account ending in XXXX. It has been proven that his response unit is incompetent and again has " confirmed '' that they do n't know what they are doing. I have fulfilled paying Citibank the settlement agreed amount owed. Yet again out of the four payments cashed by Citibank two were claimed not received. The XX/XX/XXXX and XX/XX/XXXX payments I paid in addition to the checks I also sent XXXX money orders XXXX for {$20.00} the other {$30.00} respectfully. On XX/XX/2016 I was told since payments were not received the account is in collections for the empteeth time.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I received forgiveness of debt letter from XXXX XXXX XXXX dated XX/XX/XXXX, stating that they forgave the amount I owed. This account, XXXX XXXX  XXXX  Account # XXXX, was already reported paid in XXXX. Under the Fair Credit Reporting Act, I have the right to dispute this inaccurate information under my account. In accordance with 15 U.S.C. 1681i Section 611 ( a ) ( 1 ) ( A ) ( g ), the completeness or accuracy of any information item in a consumers file must be accurate and complete. As mandated in 15 U.S.C. 1681i Procedure in case of disputed accuracy, the furnisher should only publish accurately and verified information.
Consumer complaint received 2020-02-20
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. (GA)

upon checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.These accounts have to be removed.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, 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. (TX)

I received an email from XXXX XXXX XXXX offering to raise my credit limit with no impact to my credit score. I proceeded with the link in the email and they raised my credit limit then asked if I would like an even higher credit limit and if so how much. I put in XXXX and hit submit unbeknown to me this request in fact did pull a credit report and put a permanent hard inquiry on my report.
Consumer complaint received 2022-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MN)

I have notified my mortgage company ( Guaranteed Rate ) several times that the property tax assumption on their websites is inaccurate for my duplex. In short, the city incorrectly classified my property as a commercial property and I have since had it re-classed back to residential. The current property taxes owed are almost half of what they have listed on their site. They have yet to change that information and my payment is almost $ XXXX more a month than it should be due to this inaccuracy. At my last verbal conversation with them, I said I am refusing to pay my mortgage until they fix this issue. So far the mortgage isn't late, but if they don't fix it by month-end it will be. I want to pay my mortgage, but I want the payment to be correct based on the right tax rate. I also want them to refund the escrow overage as a result of the inaccurate escrow assumptions on their site, ASAP.
Consumer complaint received 2022-04-23
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. (AZ)

Transunion has unlawfully used reporting tactics for incorrect information on my report. They have solicited information " dark pattern '', to give information to get negative creditors on my report. I have been disputing inquiries, bankruptcy, and closed accounts showing on my report to be removed with no resolution. The Bankruptcy showing on Transunion is not showing on my credit reports.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 # : XXXX, has violated my rights. 
-XXXX XXXX Account # : XXXX, has violated my rights. 
-XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
-XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
-XXXX  XXXX XXXX  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 instructions
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-23
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. (OK)

I have tried numerous times, time after, time to have a few accounts removed off my credit report and finally had success with a few but only with one or the others from the bureaus below in listing what accounts in having issues with and what bureaus. 


XXXX XXXX {$4200.00} XXXX XXXX, EXPERIAN XXXX XXXX HAVE CONTINUSLY DENIED DISPUTES NCA- {$440.00}, denied by all 3 bureaus XXXX {$440.00} DENIED BY ALL 3 BUREAUS XXXX- {$230.00} XXXX & EXPERIAN
Consumer complaint received 2022-04-23
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. (OK)

I have tried numerous times, time after, time to have a few accounts removed off my credit report and finally had success with a few but only with one or the others from the bureaus below in listing what accounts in having issues with and what bureaus. 


XXXX XXXX {$4200.00} EQUIFAX XXXX, XXXX XXXX XXXX HAVE CONTINUSLY DENIED DISPUTES NCA- {$440.00}, denied by all 3 bureaus XXXX {$440.00} DENIED BY ALL 3 BUREAUS XXXX- {$230.00} EQUIFAXS & XXXX
Consumer complaint received 2022-04-23
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)

Upon reviewing my credit file, incorrect information was found in my reports. The TXXXX/ExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Account ; XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$400.00} ; Incorrect Addresse ; XXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-20
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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
DEPTEDXXXX XXXXXXXX Balance : {$4200.00} ; DEPTEDXXXX XXXX Balance : {$7500.00} ; US DEPT ED XXXX Balance : {$5800.00} ; US DEPT ED XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I received forgiveness of debt letter from XXXX XXXX XXXX dated XX/XX/XXXX, stating that they forgave the amount I owed. This account, XXXX XXXX XXXX XXXX # XXXX, was already reported paid in XXXX. Under the Fair Credit Reporting Act, I have the right to dispute this inaccurate information under my account. In accordance with 15 U.S.C. 1681i Section 611 ( a ) ( 1 ) ( A ) ( g ), the completeness or accuracy of any information item in a consumers file must be accurate and complete. As mandated in 15 U.S.C. 1681i Procedure in case of disputed accuracy, the furnisher should only publish accurately and verified information.
Consumer complaint received 2016-07-29
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (DE)

Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. This was brought to my attention when a received a copy of my credit report and noticed that XXXX home loans were completed and issued under my name and social security number. Citi Mortgate is XXXX of the banks that are currently still holding this account under may name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard XXXX to live.
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

This account does not have the amount correctly and is also a fully paid account, the payment was made at a XXXX XXXX  on XX/XX/year>, therefore the amount should be removed and eliminated from my credit report. 
Account name XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2022-04-23
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. (FL)

in accordance with the XXXX XXXX XXXX account # XXXX, XXXX XXXX acount # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, account # XXXX, account # XXXX, XXXX XXXX account # XXXX, XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-23
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 XXXX XXXX XXXX account # XXXX, XXXX XXXX acount # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, account # XXXX, account # XXXX, XXXX XXXX account # XXXX, XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (PA)

Hi, In XX/XX/2020 I was pregnant and I went to the hospital for a check-up they gave me an application for my insurance and I applied and approved the insurance they told me that the whole balance would go directly to the insurance and every bill that arrived home was already settled so when I enter my hospital panel I don't see any balance I have to pay and when I enter my credit report I see that there is a debit collection for {$1000.00} usd but I didn't know why I never appreciate it on my panel.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to address the late payments that are currently listed on my credit report. After reviewing my credit history, I have noticed that there are several instances of late payments reported for the following accounts XXXX XXXX XXXX and XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
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. (TX)

IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES. I HAVE A RIGHT TO PRIVACY. SECTION 2 ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION, AND UNDER 15 USC 1666B, A CREDITOR CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. A creditor may not treat a payment on a credit card account or account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (WI)

XX/XX/2022 - cashed out XXXX rewards points as {$300.00} XXXX gift card. 

Gift card was never delivered. 
XXXX was sent back to processing facility. 

XX/XX/2022 contacted US Bank credit card customer number to file an investigation and a refund of points or resend cards via XXXX. 

Was Notified by US Bank service member the customer service team will follow up and make a decision in XXXX days. 

XX/XX/2022 contacted US Bank customer service for updates. Still haven't been contacted by US Bank credit card service team after 30 days. 

XX/XX/2022 - still have not received updates from US Bank about the credit cards rewards resumption issue. 
Rewards points still have not been refunded to my account and have not received information about resending my gifts cards.
Consumer complaint received 2022-04-23
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN 
XXXX XXXX XXXX XXXX XXXX
TO WHOM IT MAY CONCERN:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN 
MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE 
REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE 
CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY 
CREDIT REPORT.
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL 
TRADE COMMISSIONs IDENTITY THEFT AFFIDAVIT. PLEASE 
DELETE THE ITEMS AS SOON AS POSSIBLE.
DEROGATORY REMARKS/COLLECTIONS/ACCOUNTS 
1. XXXX XXXX XXXX
2.XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

WAKEFIELD & ASSOCIATES HAS YET TO NOTIFY ME VIA CERTIFIED MAIL AND OR TELEPHONE CALL I DO NOT KNOW WHERE THIS COLLECTION CAME FROM AND OR WHAT TYPE OF SERVICE IS OFFERED OR WHEN THE SERVICE TOOK PLACE AND OR WHAT TYPE SERVICE WAS RENDERED.
Consumer complaint received 2022-04-23
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. (IL)

I have been disputing inquiries from my credit report from all XXXX credit bureaus for 3 months and to date no resolve or removal.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I have never done business with XXXX XXXX XXXX and XXXX XXXX XXXX. Apparently, XXXX XXXX sold the charged off debt and my personal information without my written consent to XXXX XXXX XXXX.I have reached out to rectify the issue, and I will like this income removed immediately.
Consumer complaint received 2022-04-23
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)

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy ofANYoriginaldocumentation ( aconsumercontractwithmysignatureonit ) asrequiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Unverified Account