davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

I filed a dispute on multiple charge of services not as described and as promised. 

I filed these dispute with Citibank on XX/XX/XXXX. I received delayed electronic communication only from Citibank meaning they sent an email and the document was dated 2-3 days prior. 

I received an email on XX/XX/XXXX asking for more information about the dispute. I replied and said I was gathering the information and I would submit it. On XX/XX/XXXX, I submitted the information via email with attached word document. 

The email from Citi on XX/XX/XXXX did not specify a deadline for me to submit this information. I received a notice on XX/XX/XXXX that I did not send document. However, this is not true as I did on XXXX 

I called and spoke to a dispute person who confirmed that I didnt have to do anything and the dispute was going as normal and they have received my information. 

On XXXX I received a notice the dispute was closed because I didnt supply documents, but I did on XXXX 

This is the second time within a year Citibank has not properly handled a dispute and I have had to file complaint.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank XXXX took My debit card and said that I was XXXX using my card because they was letting any and every transaction go thru with out letting me know also and more then a few times I went to use my card and thousands was missing all my money gone and when I went back looking at charges I didn't make they was unfair about the decision they came up with so I just had no money so I filed another dispute for my money back but then they never once called me and told me that my account was over drafted but closed my account for XXXX and when I went to go open my account back cause I need it for my car by payments I paid the XXXX opened the account back and I was supposed to be doing advertising for XXXX XXXX drinks and it was a scam and I tried to deposit the check and it was a bad check and I XXXX hair and XXXX of the customers paid with check i tried to deposit and it wasn't letting me deposit.then they deside to give me as courtesy call they was closing my account because I was trying to deposit checks in my account
Consumer complaint received 2024-03-15
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. (NY)

I submitted a letter to the 3 Credit Bureaus ( XX/XX/2024 ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$76.00} XXXX XXXX  XXXX XXXX Balance : {$29000.00}
Consumer complaint received 2022-10-02
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. (SC)

I wrote letters to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 requesting proof in the form of an original signed contract that the attached accounts belong to me. I also requested a detailed payment history for each account to prove the reporting amount owed is also correct. I have not received any validating documents which is a violation of the FCRA.
Consumer complaint received 2022-10-02
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. (SC)

I wrote letters to XXXX, TransUnion, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of an original signed contract that the attached accounts belong to me. I also requested a detailed payment history for each account to prove the reporting amount owed is also correct. I have not received any validating documents which is a violation of the FCRA.
Consumer complaint received 2022-10-02
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. (KS)

In accordance with the Fair Credit Reporting Act this creditor XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

Creditor did not provide options to opt-out of reporting. 

Obvious violations
Consumer complaint received 2023-02-24
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. (CA)

This account is has been showing on my consumer credit reports as a charge-off for XXXX  years plus. Ive been trying to dispute this issue for XXXX  years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2020-06-08
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: TRUIST FINANCIAL CORPORATION (CA)

I AM IN PROCESS OF PURCHASING A HOME AND I WOULD LIKE THE AUTO FINANCE INQUIRIES REMOVED OFF MY REPORT FROM 2019, I DID NOT AUTHORIZE ANY OTHER COMPANY TO RUN MY CREDIT EXCEPT " XXXX XXXX '' FINANCE. THOSE INQUIRIES ARE FRAUD & I WOULD LIKE THEM REMOVED AS SOON AS POSSIBLE XXXX XXXX XXXX XX/XX/2019 REGIONAL  ACC XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NC)

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately
Consumer complaint received 2023-06-30
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. (TN)

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 XXXX XXXX XXXX XXXXXXXX  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
Consumer complaint received 2022-10-03
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. (MO)

This is XXXX XXXX submitting this XXXX complaint in regards to the correction of the information the Credit Bureaus report on my Credit File. I appreciate the time provided by the Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that the Credit reporting agencies have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following items below. I need the Credit Bureaus to verify the following items : XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( included in bankruptcy ) XXXX  XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016. I have been consulting my legal aide as they say that they are willing to deliver my concern to a federal court and have the Credit Bureaus explain for themselves if ever the Credit Bureaus do not oblige with their Federal responsibility. Once again, I need the Credit Bureaus to updated an correct what are needed to be corrected and remove those that must be removed.
Consumer complaint received 2022-02-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fidelity Properties Inc. (WV)

OpenedXXXX XXXX, 2020 ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor nameXXXX XXXX XXXX Fidelity Collectons have reported this same {$200.00} radiology bill on my credit report XXXXwo times and it was the same service and paid for by WV Medicaid
Consumer complaint received 2022-10-03
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights XXXX USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-03
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. (IL)

My name is 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

My name is 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (IL)

I received an escrow analysis from Specialized Loan Servicing XX/XX/2023. 
they projected an increase of monthly escrow and shortage payment total of {$400.00}, the figures for real estate taxes they paid were incorrect. I contacted XXXX County treasury and requested receipt of taxes paid for 2023. speicalized Loan paid the correct taxes but used incorrect figures in the escrow report. 
sent a Notice of Error requesting correction which they received on XX/XX/2023. 
the Notice of Error also pointed out the my property has senior tax freeze so the taxes will not increase. 

speicalized loan servicing has not responded as of XX/XX/2023 to the Notice of Error, which is past the 5 day window for response. 
additionally have sent 2 emails through their web site asking for a respsone. 
the mortgage payment due XX/XX/XXXX with a grace period ending XX/XX/XXXX. I have not sent the payment with the increased escrow portion as I am very concerned they will not correct the escrow error.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-10-02
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. (CA)

XXXX XXXX XXXX is reporting inaccurate items on my credit report ... on account number XXXX it states in TransUnion that i opened this account on XX/XX/2020 but yet XXXX and XXXX  states it was open on XX/XX/2020 therefore due to that error this must be DELETED from my credit report immediately...
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (KY)

On XX/XX/2022 I sent a letter regarding unknown and inaccurate items on my credit report. To this day over 30 days ago I have not received a response yet. I feel like I'm being taken advantage of and being ignored or my disputes. Section 611 ( a ). states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These should be deleted promptly. I demand these account be deleted immediately or I will be forced to file litigation due to stress caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. This is very concerning as I no longer feel safe with my own identity.
Consumer complaint received 2024-03-15
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (AR)

I, XXXX XXXX XXXX, report identity theft. Found unrecognized XXXX XXXX card XXXX {$700.00} balance. Also, unauthorized credit inquiries : XXXX - XXXX XX/XX/2024 XXXX XXXX, XXXX Business : Mortgage Reporters XXXX XX/XX/2024 XXXX XXXX, MN XXXX : Finance Companies Have closed unrecognized card, filed police report, and disputed with credit agencies. Request thorough investigation and restoration of credit integrity. Will cooperate fully. Urgent attention appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-10-03
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-24
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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 received a copy of my credit report and found the following items to be errors. Here, as follows are items in error : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. 

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX  along with an online public press release, including documentation of any potential small claims action.