davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2023-06-10
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hurting my file. alot of the data is invalid on all credit bureaus. please review an remove the information submitted to clear my file asap.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

TO CFPB PLEASE TAKE NOTE OF THIS DISPUTE ATTACHED TO THIS COMPLAINT. THIS DISPUTE WAS RECEIVED BY EQUIFAX XX/XX/XXXX IN WHICH I SPECIFICALLY POINTED OUT AND SHOWED VIA MY CONSUMER REPORT THAT HAD ERRORS FOR ACCOUNT - XXXXXXXX XXXX XXXX- WHERE I SPECIFICALLY STATED AND SHOWED THE ERRORS FOR PAYMENT HISTORY REPORTING A 30 DAY LATE IN XX/XX/XXXX ; HIGH CREDIT BALANCE REPORTING INACCURATELY ; THE CREDIT CARD NUMBER BEING REPORTED INACCURATELY. THESE WERE THE SPICIFIC ERRORS I DISPUTED BUT EQUIFAX DISREGARDED MY DISPUTE AND DISPUTED COMMENTS IN THE REMARK SECTION WHICH WAS NOT PART OF MY DISPUTE THAT I MAILED IN. SO I AM SUBMITTING THE SAME DISPUTE THRU CFPB PORTAL FOR THE SPECIFIC DISPUTE ERRORS THAT I AM REFERENCING IN MY DISPUTE AS REQUIRE BY THE LAW IN 15 USC 1681i
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-22
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. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I AM The Victim Of Identity Theft ; Whereas, FRAUD ACCOUNTS -AND - CREDIT INQUIRES Appear Per My Credit Report. With That Said, A Designated Police Report ; Proof Of Law Enforcement Correspondence ; And, Proof Of True Identity Forwarded As Such : FRAUD ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-15
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. (CA)

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
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. (OH)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2017-08-16
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. (CA)

I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, XXXX LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (AL)

I have a Home Depot Credit Card. I noticed that there was a {$2.00} interest charge that had been added. I called and was told that it was a mistake and they removed the charge. My concern is that how many people have " inadvertently '' had the {$2.00} charges added and did not notice it and paid it. I just want you to be aware that this happened in case it is a regular occurrence to scam customers.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (CA)

Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( XXXX, Experian and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove the XXXX XXXX XXXX california XXXX XXXX XXXX XXXX, XXXX XXXX Amount : {$3600.00} Filing Number : XXXX and Amount : {$3600.00} Filing Number : XXXX In addition, your office is in violations of the following violations : 15 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following companies are NOT following FDCPA, FCRA, TILA laws and not Metro2 compliant, these laws were created to protect consumer rights, therefore they are violating my consumer rights, I have illustrated in my disputes the inaccuracy of the reporting and the false and misleading information that each company is reporting, these companies are using stall tactics claiming I am not sending them the needed information but Iam and sent my letters notarized, i am asking for your help in this matter, thank you
Consumer complaint received 2024-02-19
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. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-01-20
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: CITIBANK, N.A. (FL)

XX/XX/ contacted XXXX services in regards to unauthorized inquiries showing on my XXXX credit report. 

XXXX XXXX XXXX  - CBNA  ( not authorized ) XXXX XXXX XXXX -THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITIBANK NA XXXX XXXX XXXX XXXX XXXX XXXXCBNA XXXXXX/XX/XXXX, XXXX XXXX Card service
Consumer complaint received 2023-07-28
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. (FL)

On numerous occasion I have submitted disputes asking Transunion to correct the incorrect information they have listed on my credit report and to no avail they have refused to correct the information or investigate correctly!! I have contacted the creditor and they have sent me documentation that the account XXXX for the amount of {$72.00} has been paid in full! I have called I have sent documentation and they still will not correct the information Please assist in Transunion correcting this information as it is tanking my score lower and lower causing my financial stress!
Consumer complaint received 2021-11-06
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: AMERICAN EXPRESS COMPANY (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft AMEX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRUIST FINANCIAL CORPORATION (FL)

This is a follow-up to my original complaint filed on XX/XX/2023 as follows : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit card or prepaid card ISSUE Other features, terms, or problems As I indicated in my feedback to this complaint, the answer provided by Truist was ludicrous and totally unacceptable. As a result, I used figures from their website for all my credit card statements since inception and the FACT is that they still owe me {$220.00} for rewards earned, but unpaid by them. This was NOT a system error, as indicated by my detailed breakdown of charges and rewards owed at 1 %. ( SEE ATTACHED DETAILED BREAKDOWN )
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

on XX/XX/2022 i was XXXX  and taken to XXXX XXXX XXXX XXXX XXXX XXXX XXXX my wallet with my bank card my cell phone and other personal affects were left behind when XXXX XXXX XXXX because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well someone ended up getting there hands on my wallet and my phone and was able to use both to access my account and make charges and withdraws from it while i was in XXXX. upon my XXXX on XX/XX/2022 i noticed that my items were missing from my stuff and immediately checked my bank and saw that there was transactions made while i was XXXX i immediately notified chime of these transactions, they issued me a new card and started a dispute for the unauthorized transactions. a few days later i was informed that there dispute team denied my claim stating that no error occurred. so i filed a rebuttal which is the only course of action they allow u to take in these numerous rebuttals i've filed i've sent documentation supporting that i was in jail and couldn't have made those transactions just to be denied time and time again i asked why i was denied and they sent me a very confusing email stating the reasons all i got out of it was that they believe that the person/persons who used my card had insider knowledge of my account. but when i told them that my cellphone was in someones possession up until recently and they could have gained access to all my banking information that way they didn't care. i had my XXXX XXXXXXXX write them a letter confirming i was in XXXX  for the period of time in question which also did nothing. so from XX/XX/2022 till XX/XX/2022 any transaction was fraudulent the amount of all the transactions totals {$430.00} and some change and was all the money i had from working which was deposited during that time frame. todate they are still denying my dispute i've sent them every piece of document unredacted with my personal private information information in hopes that they would see that everything i say is the truth. all i got in out of that was there attempt to stop me from filing a rebuttal on the fraudulent transactions
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX and XXXX XXXX XXXX XXXX all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Privacy act XXXX. XXXX  XXXX XXXX accounts are reported as charged off which are considered income and income is not legally reported to my credit report.
Consumer complaint received 2023-02-22
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. (TN)

On XXXX, XXXX 2023 All three credit Bureaus reported my mortgage company XXXX XXXX XXXX  XXXX  ) sale/transfer to a different mortgage ( XXXX XXXX  XXXX XXXX ) XXXX 
This triggered a credit score drop of XXXX points. 
The sale/transfer of my mortgage loan was/ is beyond my control. 
Therefore, my credit score should have remained the same. 
A drop of my credit score by XXXX points from XXXX To XXXX could adversely affect my purchasing power. 
All three Credit Bureaus do have dispute forms available but only for complaints against creditors. Not against themselves. 
What can I do to correct this problem?
Consumer complaint received 2023-01-22
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (CA)

On XXXX XXXX, XXXX, I signed an application to start the process for a reverse mortgage with Reverse Mortgage Funding LLC. I expressed my interest in getting a loan at that time because of the very low interest rates. The loan XXXX estimated it would take @ XXXX days to process and close the loan. 
XXXX, the loan XXXX requested documents. A short delay with verifying my son 's documents and it took XXXX XXXX weeks to deliver due to my package placed in wrong box. We had a brief discussion about the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The loan XXXX stated he would not start the loan process until after the increase. 
On XXXXXXXX XXXX XXXX XXXX  XXXX the XXXX requested a title search from XXXX XXXX XXXX 
XXXX, XXXX, a second appraisal was due. 
There were extended delays in getting documents/information due to lack of communication. 
I received a call from the XXXX on XX/XX/XXXX, to notify me of the delay. Due to the pandemic, the title XXXX had not been successful in getting the payoff amount from the city. Once notified, I immediately contacted the right person ( XXXX )... the payoff information was emailed to the title company the same day. 
The second delay involved getting documents pertaining to my son since he was on title. Those XXXX 's were sent shortly after contact. I was told by XXXX that my file didn't become active until XXXX XXXX. 
A further delay occurred in XX/XX/XXXX when I received documents from XXXX XXXX XXXX XXXX regarding recording of liens that were paid, and XXXX that was not. I asked the XXXX the reason for the delays he responded, " your loan was not a priority because we had to jump through too many hoops. '' By now. I'm concerned I might not meet my legal obligation on XXXX XXXX. 
I spoke with XXXX managers about the delay and my concern. The loan XXXX 's XXXX did not assure me that the loan would close by XX/XX/XXXX. 
By XXXX, and XXXX months later with no guarantee to meet my deadline, I reached out to otheXXXX XXXX companies. I was guaranteed by the owner at XXXX XXXX XXXX, that he would put me at the top of the list and guarantee the loan by my deadline. 

A third appraisal is now due @ {$850.00} each, and scheduled for XX/XX/XXXX. 

I'm retired, my son felt I was getting a bad deal and took out a loan to meet my obligation. 
Now, I will not benefit from the very low interest rates, my basement upgrade and travel plans are cancelled and my son has a debt on my behalf.