davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
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. (NJ)

Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer  contract and have been responded to repeatedly with verified as accurate without providing the requested documentation.I have specifically asked for an investigation and not an electronic or XXXX   verification and their method of verification but they continue to ignore my requests.
Consumer complaint received 2022-12-19
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. (CA)

This is my 5th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-01-24
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. (FL)

I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2018-11-03
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: LEXISNEXIS (CA)

I have contacted the 3 major credit bureaus XXXX, XXXX, and XXXX that the account on my credit report regarding a bankruptcy is inaccurate. They have informed me they received the info from you Lexis Nexis. After asking you to verify the info you said you " verified '' the info as being accurate. Really? When I contacted the court and the clerk verified that they dont verify records with the credit reporting agencies. So where are you pulling this information from? You are required to have firsthand knowledge, which means you need to furnish the actual petition. The Court should be the furnisher of information, not a third party source. I know for a fact that your company receives information on bankruptcies from a third party known as Pacer. The pacer system is inaccurate and incomplete since the pacer system does not provide complete social security numbers as that would be against the FCRA and privacy laws. Furthermore, the Fair Credit Reporting Act is inapplicable to the Court because the Court is not a consumer reporting agency. I'm pretty certain what your company is doing is illegal but you keep violating my rights. You must obtain firsthand knowledge. How can one obtain firsthand knowledge from a 3rd party? According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Secondly, the item is reporting inaccurately.
Consumer complaint received 2022-01-24
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-13
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. (TX)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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. (MI)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$270.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

Last year Cashapp closed my account without any warning or explanation. I chatted with them about three times and was told they would get back to me with an explanation of why my account was blocked. As of today, XX/XX/2024, I am still waiting for an answer. I explained to them that I haven't done anything wrong, and that if someone who I sent or received money from did anything wrong I did not have anything to do with it. Before my account was abruptly closed I had been using Cashapp for years without any problems so if I actually did anything wrong it was unintentional. More than likely, someone tried to use my Cashapp account to scam me or involve my account in some kind of illegal activity.
Consumer complaint received 2024-04-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (LA)

On both XX/XX/XXXX, and XX/XX/XXXX I informed ProCollect that I was not responsible for the debt as I had been removed from the lease on XX/XX/XXXX and a new lease was signed at that time leaving just the roommate that was on original lease. When the roommate vacated the premises on XX/XX/XXXX there were additional charges left to pay. Seeing as I was not on the most current lease, I am not responsible for the debt owed. I contacted the original creditor, the property, and the debt collector to resolve the issue and have been told that my name can not be removed by the creditor, the debt collector stated they verified the debt is mine, and the property manager told me I would need to provide the attached roommate release form to both to have my name removed. This has still not been resolved and I am being told by the debt collector that it is my debt and I need to pay it immediately.
Consumer complaint received 2023-10-15
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. (IL)

I am writing to inform you that I have recently reviewed my credit report and discovered unauthorized inquiries listed on my account. Upon careful examination, I have confirmed that these inquiries were not made or authorized by me. 

I have taken immediate action by filing an Identity Theft Report with the relevant authorities. Enclosed with this letter, you will find a copy of the Identity Theft Report, which provides detailed information about the unauthorized activities related to my identity. 

I request your immediate assistance in investigating these unauthorized inquiries and removing them from my credit report.
Consumer complaint received 2022-05-29
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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 2022-05-29
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)

Inaccurate personal information are on my credit reports. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2022-05-29
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)

Inaccurate personal information are on my credit reports. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (FL)

I received notice that Exeter Finance LLC was pulled my credit report without my authorization. They clam they received my personal information from an auto dealership that I did not authorize to review my credit report. This is the third time Exeter Finance has accessed my credit report in 6 weeks. I have contacted them and demanded they stop, but they continue to access my credit report without my permission. I asked them for proof I signed a credit application with their client or them. They have not produced one.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MI)

This is my second complaint with cfpb. My account been locked since XX/XX/year>. I was told by the bank they was sending a letter with a reference number so I can access my account. Here we are XX/XX/XXXX XXXX a whole month later still no letter. My account is still locked. I just want my funds. All the representatives are rude nobody is giving me information my money been locked in an account for a month.
Consumer complaint received 2022-12-19
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (NY)

I purchased a car XXXX XXXX XXXX XXXX in XXXX ny with a lease term of 20 months when the payment book arrived It was for 24 months this was not a problem I completed a full 24 months of payments there was no notification of a balance or anything about 6 months after I completed the loan I went to trade in the vehicle I was notified by the dealership that there was a balance of XXXX which is crazy because My car payments were XXXX per month The dealer explained that he would assume the balance owed and I guess that on my credit report it goes on as a charge off. On my credit report it shows that there was a XXXX balance which has gone up from the XXXX dollars that I never owed in the first place I recieved the care in XX/XX/XXXXI traded the car in, in XXXX of XX/XX/XXXXso there is no way that I ever owed a balance let alone was able to keep this car 3 years after the term.. My credit report shows that I made 70 % of payments which is completely false.
Consumer complaint received 2022-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX citibank sent me a letter stating that my account will be closed but did not give a reason. It stated that i will be receiving the funds i have left within 30 business days. I do not owe them anything and yet upto to now havent recieved anything. I called Citibank several time only to be given the runaround and lies. I was told several times that the check is on the way or it will take about 15 business days to arrive from the time i called and was also given a confirmation number just in case theres a problem the next time i called. So, here i am calling after 20 days with no check. i gave the confirmation number and sure enough i was told that there is no such thing about this number. I mean why would someone do that. I also did go to the bank itself so many times and yes i did talk to managers but nothing was ever resolved. I know i have a little over $ XXXX plus {$1400.00} from the 3rd stimulus payment which by the way CITIBANK HASNT RETURNED TO THE IRS which is supposed to be the right procedure. But, no Citibank has kept it for themselves. The last time i spoke to someone about this matter was XX/XX/XXXX and spoke to XXXX XXXX hes a bank XXXX, very helpful, tried everything he can but only to be informed that i have {$0.00} bal in my account and i wont be receiving any money. WHAT!! I mean Cmon, really, XXXX balance!! This is so not right at all! I am hoping the Federal Reserve can investigate this problem and return what belongs to me. Thank You!
Consumer complaint received 2022-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-10-15
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. (NY)

There are a few items on my report that I do not know of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and just got home there I see a XXXX  XXXX account I don't have and a support enforcement which I don't have. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-28
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, XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX All these accounts above have violated my rights. 
15 U.S. Code 1681 section 602 A. states that I have a right to privacy.

15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 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 2022-05-28
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. (WI)

Equifax Personal Information Employers : I no longer work for XXXX XXXX  It has that company still listed on my credit report. 
Names : XXXX XXXX XXXX XXXX incorrect name on my credit file. 
XXXX XXXX XXXX is my only name. 
Addresses XXXX XXXX XXXX XXXX XXXX, WI XXXX is NOT my address, never was my address. Someone had to be using my name for that address and I don't live there. 
XXXX XXXX XXXX XXXX, WI XXXX is not my address it should not be still listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX is not my address, it should not be listed on my credit report, I never lived there. 
XXXX XXXX XXXX Ct XXXX, WI XXXX is not my address, it should not be listed on my credit report. I never lived there. 
I would like this addresses removed from my credit file., I do not recognized them. 
My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2019-11-25
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. (MI)

I am attaching STATEMENTS showing AMOUNT DUE, under the promised HARDSHIP PROGRAM after diagnosis of XXXX  XXXX XXXX in XX/XX/2018. Company agreed to place me in the HARDSHIP PROGRAM XX/XX/2018 and remove all late pays. They then went on, after meeting my ON TIME obligations to close my account. 

BLACK AND WHITE in front of you. PAYMENT DUE DATE. PAYMENT MADE BEFORE DUE DATE. I was never late. You need to remove all late pays for XXXX AND XXXX.
Consumer complaint received 2017-07-15
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. (TX)

I sent in a dispute letter stating that the following inquires were not made by me and should be removed from my credit report at once. Experian did nothing about it. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX