davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-03
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. (CA)

I put a dispute to Experian  on XXXX to dispute incorrect account information on my credit report. I put a dispute to Equifax on XXXX to dispute incorrect account information on my credit report. These two credit bureaus state that I have two XXXX XXXX XXXX credit cards, which I do not have. These two credit bureaus also provide me with credit report with incorrect full name, birthday and address. 30 days later, I received result from the bureaus saying that XXXX XXXX XXXX verified they reported correct information to them. These two bureaus asked me to contact XXXX XXXX XXXX and get a proof saying that I don't have any credit card with them. I went to XXXX XXXX  XXXX. XXXX  XXXX XXXX said that I don't have any credit card with them. XXXX XXXX XXXX asked me to connect with Equifax and Experian to solve this problem. I spent over 20 hours calling and solving this issue. But it can never be solved. It has almost been 1 year.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$420.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$0.00}
Consumer complaint received 2023-10-18
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: Experian Information Solutions Inc. (SC)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX  Balance : {$530.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$360000.00}.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance : {$200.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$420.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$3000.00}
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have wrote them over three times this is my third letter they are in violation of usc 1681 s-2 15 usc 1681 ( A ) ( 2 ) ( B ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1681 ( A ) ( 1 ) I ASK FOR verification of this debt Transunion is using stall tactics by saying it isn't me but I provided proof that it was XXXX and XXXX has yet to respond I have pointed ALL THE THINGS I NEED VERIFIED
Consumer complaint received 2022-06-01
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. (NY)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i FCRA section 605b, and continued to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. I need the following inquires to be removed ; XXXX XXXX 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 2019-08-03
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. (MI)

Opened XX/XX/2013 ( 6 yrs, 1 mos ) XXXX XXXX XXXX i was victim of fraud with this account on my XXXX and experian report with the dates listed. it is very much a problem, thank you for your help.
Consumer complaint received 2022-06-01
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. (KY)

In accordance with the Fair Credit Reporting act XXXX  for the following accounts : Account # XXXX, Account # XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX KY ), Account # XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ), Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2022-06-01
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. (KY)

In accordance with the Fair Credit Reporting act XXXX  for the following accounts : Account # XXXX, Account # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX KY ), Account # XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ), Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2022-06-01
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 XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and section 605b, and continued to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; and XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-06-01
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX  Date of Inquiry XX/XX/XXXX ; XXXX XXXX Date of Inquiry XX/XX/XXXX ; XXXX  Date of Inquiry XX/XX/XXXX ; and XXXX XXXX XXXX Balance : {$55000.00}.
Consumer complaint received 2022-12-18
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. (NY)

My name 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 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 2018-10-01
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA (FL)

I attended University of XXXX 2005, withdrew from the school due to unprofessional instructors. The loan was refunded to XXXX XXXX by University of XXXX. XXXX XXXX now have my account and they have reported my account to all 3 bureaus deducted as much as 100 points from my credit score. Every month they keep reporting my account causing it to be negative. I have sent letters and documents proving that the loan was refunded/ They are wanting me to pay {$5400.00} for school which I did not attend plus interest. Please stop. This has going on way to long since 2005. I AM HAVING FINANCIAL HARDSHIPP AND HAS EXPRESSED THIS ON numerous occasions. 

Please stop reporting my account the loan was refunded and they have documents. 
Please I am begging that this stop.
Consumer complaint received 2022-06-01
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX Date of Inquiry XX/XX/XXXX ; XXXX XXXX  Date of Inquiry XX/XX/XXXX ; XXXX  Date of Inquiry XX/XX/XXXX ; and XXXX XXXX XXXX Balance : {$55000.00}.
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank froze my account on XX/XX/18 with no probable cause. Upon calling them, they dont even give me any information and wont unfreeze my account after verifying all of my information. I went into a branch on XX/XX/18 and they informed me that they are closing my account. So, i said i want to withdraw all of my funds, the branch wouldnt let me, they made me call the customer service number in which i did while i was inside the branch, they told me they will mail me a check for my balance which us over {$3700.00}, they refuse to let me withdraw MY funds inside a branch.
Consumer complaint received 2022-06-01
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, and accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files, Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX and Fraudulent Accounts : XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-11-11
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TN)

My information was sold to them illegally since I've never had an account with them. Even after trying to rectify the situation by paying what I could and still having the means to survive after paying, they didn't accept my payment offer. We are still in the middle of a pandemic and Ad Astra is still trying to take the entire balance owed to them, which again, was illegally sold to them because my loan was through Speedy Cash not Ad Adstra
Consumer complaint received 2020-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (ME)

My mortgage processor allows one-time on-line mortgage payments. However, they do not allow you to enter the effective date of the payment. The effective date can only be the date that you enter the payment. For example, if I enter the one-time payment on the XXXX of the month, they will withdraw the payment on that date rather than the XXXX of the next month when my payment is due or any other date that I select. 

I believe this is an unfair business practice because : ( 1 ) if you enter payment any day before the due date they are getting early payment, which is a financial advantage to them, ( 2 ) it increases the risk to the consumer that if you wait until the due date to enter the payment but forget and they reap the benefit of the late fees, ( 3 ) it unfairly incentivizes the consumer to sign up the for the automatic monthly payments so you can pay on the due date but not forget to pay. 

Every other business where I use on-line payments has the feature that allows you to set the effective date of the payment ( e.g., credit cards, utility companies ). The mortgage processor is intentionally and unfairly implementing this to manipulate consumers.
Consumer complaint received 2022-06-01
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, and accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files, Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX and Fraudulent Accounts : XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-01
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX Date of Inquiry XX/XX/XXXX ; XXXX XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; and XXXX XXXX XXXX Balance : {$55000.00}.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with Navient. 

Notification to the lenders was provided in 2014 by my XXXX Attorney with a copy of the XXXX determination by a Federal Judge. 

I am permanently XXXX and receive only XXXX XXXX XXXX Benefits and XXXX Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XXXX balance {$5900.00} XXXX reported as late XXXX balance {$2900.00}
Consumer complaint received 2019-08-02
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. (OH)

I have an account on my file that is not mine I filed a fraud alert months ago with the credit bureaus I filed a police report as well to have the account deleted from my credit report. Please see attached documents. Please delete/remove the following accounts : XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX ( XXXX ) # XXXX PLEASE UPDATE MY CREDIT REPORT ASAP!
Consumer complaint received 2024-06-09
Product: Credit 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: DISCOVER BANK (WA)

This complaint is towards XXXX XXXX and Discover Card. XXXX XXXX maliciously reversed a charge when they lied to me and told me they do not have that ability. And Discover Card permitted them to scam me. 

On XX/XX/year>, I purchased a ticket via a XXXX XXXX XXXX XXXX for {$890.00}, with flights provided by XXXX XXXX. On XX/XX/year>, I arrived at the airport XXXX hours in advance with all of the necessary documents needed to board my flight. The ticket agent stated I couldn't board the flight due to visa issues. This caught me completely off guard, as I had no idea, and XXXX XXXX did not inform me of this problem. 

I was unable to board my flight and promptly called XXXX XXXX customer service for a refund. The agent on the phone lied to me and told me I needed to call the travel site for my refund. I called the travel site, and they said I needed to request the refund from XXXX XXXX, as they had paid the funds to them. 

Eventually, I called my credit card company and requested a chargeback. Everything went well, and my money was returned to me. However, XXXX weeks later, I saw a " reversal of funds '' on my credit card statement. Apparently, XXXX XXXX ( who told me they could not provide me a refund ) took the money from my credit card and refunded the funds back to themselves. 

Why would XXXX XXXX refund me my money, then reverse the decision and take it back? The Discover card agent told me they have never seen such a confusing moving of funds leading me to believe XXXX did something malicious. 

My main gripe is with XXXX and is in the process of finding a small claims court if this matter is not resolved amicably.