davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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. (NJ)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out and here is the Tracking #. 
XXXX and XXXX. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

I have attached the updated credit reports still with inaccuracies across the bureaus after these items were verified according to the law. 

Accounts : Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX bank keeps saying it can not approve my credit card application for the following reason : " Unable to verify Identity ''. ( see XXXX letter attached ). Experian keeps recording wrong names which is the direct cause of the discrepancies. ( see recent credit report attached ). When queried by creditors, Experian does not return first my main identity as shown on my ID ( attached also ) with my correct full name but instead a series of variations which causes the approval failure. I complained several times about this problem. Finally, Experian added to my report a Personal Statements : " SPECIFIC PATRONYM RISK AS MY FULL NAME IS MADE OF A COMBINATION OF FOUR EXTREMELY COMMON GIVEN NAMES AND FAMILY NAMES WHERE ALL INVERSIONS, SUBSTITUTIONS, OMISSIONS, OR MISSPELLING CAN BE LINKED TO EXISTING INDIVIDUALS. REQUIRE THAT ANY NAME RECORD EXCLUSIVELY CONTAINS MY FULL PATRONYM AS OF XXXX XXXX XXXX XXXX ''.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

I disputed a fraudulent rental car charge from XXXX at XXXX XXXX XXXX on my American Express card through their website several times as well as wrote a dispute letter to them with evidence, but they have yet to remove the charge which is now going on 4 months since the charge ( XX/XX/22 ) ( {$280.00} ), and now they have reported me to collections on top of things.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Social Finance, Inc. (NY)

SoFi bank keeps saying it can not approve my credit card application for the following reason : " Unable to verify Identity ''. ( see Sofi letter attached ). XXXX keeps recording wrong names which is the direct cause of the discrepancies. ( see recent credit report attached ). When queried by creditors, XXXX does not return first my main identity as shown on my ID ( attached also ) with my correct full name but instead a series of variations which causes the approval failure. I complained several times about this problem. Finally, XXXX added to my report a Personal Statements : " SPECIFIC PATRONYM RISK AS MY FULL NAME IS MADE OF A COMBINATION OF FOUR EXTREMELY COMMON GIVEN NAMES AND FAMILY NAMES WHERE ALL INVERSIONS, SUBSTITUTIONS, OMISSIONS, OR MISSPELLING CAN BE LINKED TO EXISTING INDIVIDUALS. REQUIRE THAT ANY NAME RECORD EXCLUSIVELY CONTAINS MY FULL PATRONYM AS OF XXXX XXXX XXXX XXXX ''.
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5 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 is inaccurate.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

We have a Citi Costco Anywhere Visa card which provides cashback at various levels for different spending categories. While it's often easy to understand how each transaction falls into a reward category, it isn't always clear. Citi does provide details regarding each transaction 's spending category, which should correlate with the applicable reward category, but they don't make this explicitly clear. Whenever we have a question about how a specific transaction is categorized for reward purposes, we find that information is not available. Upon seeking assistance from Citi, via both chat and phone, support agents were unable to provide transaction category details. One agent commented that they could only provide the information to the primary cardholder ( I'm the additional cardholder ). Although unconfirmed, I'll accept this interpretation for the moment, so I asked for a copy of the account terms and conditions ( T & Cs ). I asked if the information was available on the website or if it could be sent to us. After spending over 30 minutes on the phone with Citi customer support ( and getting transferred a couple of times ), I had to give up. Citi was unable to provide a current copy of account T & Cs, either online or via regular mail. That seems wrong and a financial services company should be able to provide the terms upon request.
Consumer complaint received 2024-02-19
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. (NJ)

I have had a XXXX XXXX account for over 23 years without missing a payment. On XX/XX/2023 I received an email offer from XXXX XXXX to go paperless, which I accepted since I have many other account that are paperless and have had no problems with them. Shortly after that I made a {$15.00} purchase at XXXX XXXX expecting to get an email notice of my balance due like every other company does. But I never received any notices from them about any balance due, due dates or overdue balance. I leaned of this when I got a call from their rep asked why I hadn't paid the {$15.00} in two months. Since this was the first I've heard that I had a balance, I worked with XXXX XXXX to pay the amount and they waived the late fees. I thought it was done, but I discovered that may decades old XXXX XXXX XXXX had been ruined by XXXX XXXX reporting the late payment, even though it was caused by their negligence. I had to call several reps at their customer service line to finally get someone who said they could do an investigation. I later received a letter that they had investigated ( without contacting me for my side of the story ) and couldn't remove the late payments. Why should I be punished with a lower credit score for something that was not my fault? Since it was XXXX XXXX fault for not sending me a notice that I had a balance due I shouldn't be penalized for the short comings in their system.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

I disputed several times with the agency Navy Federal Credit Union Reporting inaccurate information to the Credit Reporting Agency. I also disputed with my claim with XXXX, stating my claim is disputed and requesting validation of the debt in paticular " FIRST DATE OF DELINQUENCY '' The Navy Federal account " Charge off account '' balance {$17000.00} became delinquent in 2014, account was not brought current. This account should be removed from my XXXX Credit Report.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Insight Management Partners, LLC (MI)

Insight Management, acting on behalf of XXXX XXXX  XXXX  for my XXXX  Visa account contacted me today. I spoke to a man who stated what the debt was for. I explained that when contacted in XX/XX/2021, I requested a letter in writing, outlining the amount owed and what my payment/settlement amount options were. I never received the letter. 

Today, this man stated he was with this company 's legal department pursing this matter and offered me a settlement amount. Again, I requested a letter in writing for the amount owed and settlement offer. I explained my hours were reduced due to COVID, and I did not have access to a printer. I stated I wanted to read over the letter, and he became angry and told me, " No, you need to read it now and set up this payment or else. '' When I said I do not give my banking information or payment info until I can read over something, he again got upset and started talking over me aggressively and loudly. I stated I was at work, and I can not do personal business on company time. I stated that under the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule. After I told him this, he stated he would not stop the file from going to legal counsel and hung up.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: INTERFIRST MORTGAGE COMPANY (MN)

I sent a {$3000.00} check to InterFirst Mortgage Company on XXXX/XXXX/16. They " claimed '' they did not receive it until XXXX/XXXX/16 ( six days after I mailed it from a distance that I could drive to in less than 6 hours ). They applied only {$2400.00}. They mailed the additional {$540.00} to XXXX XXXX, who had purchased the loan. It was not applied to the principal until XXXX/XXXX/16.
Consumer complaint received 2022-04-22
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: AES/PHEAA (MO)

The alleged debt has been sold without my permission and without the production of a new contract. You willfully sold this alleged debt and I have no contract with the debt collector you sold the account too- this is fraudulent activity. 
18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ).

There is no way anyone should have my social security number or any identifiable information. You DID NOT have my permission. This is IDENTITY THEFT & against federal law.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For several months my credit report has been reporting inaccurate information across all three credit reporting agencies. Specifically the date of last activity, but there are several other pieces of information reporting incorrectly on these accounts. The FCRA clearly states that credit reporting agencies must report only accurate information and that banks rely on that accuracy as well as the consumer. It specifically states that information reported must be accurate, complete, and verifiable across all three bureaus. I have included screenshots of my credit report that clearly show reporting inaccuracies. These inaccuracies have been shown and disputed with the named credit reporting agencies several times and they willfully verified the accounts as accurate and did not change or update any of the inaccuracies in question. 

On XX/XX/2021 I sent a letter to TransUnion, XXXX, and XXXX regarding the following accounts : XXXX XXXX Account # XXXX This account is reporting the wrong date of last activity as well as other information. 

On that day I also sent a letter to XXXX and XXXX regarding the following account : XXXX XXXX Account # XXXX This account is reporting the wrong date of last activity as well as other information. 

All of the credit reporting agencies named above verified the false information as accurate which is a violation of the law. This is willful non-compliance and negligence as well as false credit reporting. I know it is my right to sue in court for these violations and be compensated {$1000.00} per violation.
Consumer complaint received 2015-10-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (CA)

The debt collection company name National Credit Systems has failed to provide any proof that i lawfully owe the debt in question nor any letters in writting stating who they represent. I have requested in writting as well as verbally and through the XXXX for such information. On each time that i have spoken to this company on their recorded calls i have stated i am willing to pay a debt i owe once i receive written documentation. Every time i have called they have said on multiple circumstances that they have already sent the requested documentation wereas since XXXX i still have not received this documentation. In the most recent response through the XXXX they stated " they were in the process of obtaining the verification and mailing it to consuner ''. Im quite baffled how after multiple statements on their recorded calls they stated they have already mailed out such coorespondence but now after taking matters further have to locate such verification. I have reached out to the origional creditor as well during this process to obtain any information regaurding account wereas it was told to me that they were bought out by a new management company and no longer have prior records. I have been attempting to resolve this debt but I as a consumer do not feel sending money to an unidentified company to a XXXX XXXX in another state without supporting documentation is unlawful under any circumstances.
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (NY)

Collection bureau failed to provide 30-day notice at commencement of their attempts to collect. I disputed the debt, which has been erroneously attributed to me, and the collection agency has attempted to collect the same amount from multiple parties, which, if successful, would be unlawful.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I have 4-5 erroneous accounts that were opened on all 3 credit reports ( same merchant ) different bureau. I have disputed this multiple times. Unfortunaetly the credit reporting agencies have not followed what I have asked to prove these accounts were mine or delete the items being reported. I have asked multiple times to do a manual investigation and NOT to use the E-Oscar and NOT to use ACDV or the Automated Dispute Resolution. When I tried to open a 2nd dispute online for one of them the system would not allow me to submit a 2nd dispute. I need to have these manually verified and see proof that these accounts were ever mine because I never opened these accounts and nobody so far has been able to provide me with any proof they were.
Consumer complaint received 2022-04-22
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: Navient Solutions, LLC. (MO)

The alleged debt has been sold without my permission and without the production of a new contract. You willfully sold this alleged debt and I have no contract with the debt collector you sold the account too- this is fraudulent activity. 
18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ). 
There is no way anyone should have my social security number or any identifiable information. You DID NOT have my permission. This is IDENTITY THEFT & against federal law.
Consumer complaint received 2022-04-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results/update.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am filing this report for myself and this is not a third party. My name is XXXX XXXX XXXX and I am being taken advantage of by transunion, XXXX and Experian. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (MD)

I am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Experian, XXXX, and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft : EXPERIAN : 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. Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. Thank you.
Consumer complaint received 2022-04-22
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. (KY)

On my TRANSUNION credit report i have XXXX inquiries that do not belong to me nor did i authorize. the 1St one is XXXX  XXXX on XX/XX/XXXX, 2nd one is XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, 3rd is XXXX bank XX/XX/XXXX, 4th one is XX/XX/XXXX & 5th XXXX Mortgage XX/XX/XXXX. THEY REMOVED ONE PREVIOUSLY that was a XXXX bank inquiry but did not removed the others as promised. this is absolutely insane that I have to go threw so much over inquiries, I was told if I did a freeze they would remove my inquiries and did not. Please REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open. 

On my XXXX report I have XXXX inquiries that do not belong to me, The 1St one is XXXX XXXX on XX/XX/XXXX, 2nd One is XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, The3rd one is XXXX XXXX MORTGAGE on XX/XX/XXXX XXXX lease REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open!!!