davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

I CLOSED two of my US Bank credit cards ending in XXXX and XXXX on two separate calls but agents and their supervisors illegally claimed that Closure Status may not be reported to credit reporting agencies for up to 60 days despite the fact that XXXX XXXX Compliance would require an immediate reporting of my account as Closed at consumers request to every CRA. The FCRA and XXXX XXXX require PROMPT and immediate mid cycle reporting of Closed accounts when the button is pushed to close an account. My credit reports remain open in willful violation of the FCRA and furnisher has stated that it has no intention to promptly report my account as closed. I seek {$1000.00} in statutory damages for each account for each day the willful violation remain until permanently corrected. Permanent deletion of my accounts are demanded as my accounts are NOT XXXX  XXXX Compliant. At a minimum, my accounts must be PERMANENTLY reported as DISPUTED as this Complaint challenges balances due to statutory damages for willful FCRA violations. Additional FCRA willful violations will occur if my accounts are not marked as disputed permanently.
Consumer complaint received 2022-10-27
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. (TX)

I have sent in twice with my information ID, Utility bill with my address and SS Card asking to remove all old and some that did not belong to me and also called in regards to a XXXX XXXX XXXX I never lived at. I asked them to put my XXXX name, XXXX address, XXXX SS # and my work and they have refused to remove the XXXX XXXX XXXX is still showing on my ( EXPERIAN ) credit report and they were the only bureau that will not remove it.and delete this from my personal information.. 
. 
Under U.S.C 15 sec 1681b ( 603 ) p That I have the right to have my correct or update my personal information.

Under U.S.C 15 section ( 604 ) A section 2 it also states a cosumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (PA)

they have ignored my request to remove the in accurate information I had at least five apartments denied me because at the end accurate information day reporting refusing to remove it also my criminal charges has been dismissed I was on a XXXX program for six months I pay my restitution case is over and done this should not be in my credit file at all it should be in expunge
Consumer complaint received 2022-10-27
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)

After I gave a copy of a valid FTC Identity Theft Report to XXXX XXXX, they should have stopped reporting the fraudulent accounts to the credit reporting companies. But I also provided a police report proving that someone stole my identity. If these actions guarantee me certain rights then why after someone has stolen my identity, has the fraudulent information remained on my credit report. I have the right to have removed all fraudulent information from my credit report. This is called blocking and once the information is blocked, it wont show up on my credit report, and XXXX XXXX cant try to collect the debt from me.
Consumer complaint received 2022-12-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AAA Collections (ND)

XXXX XXXX XXXX XXXX ND had turned me over to AAA Collections, XXXX XXXX SD. During the process of debt verifications, they sent me a page with my medical diagnosis. The debt, by the time they contacted me was XXXX XXXX XXXX. And had been turned over to them in XXXX of XXXX. They contacted me in XXXX of XXXX. I did not sign the documents sent to me. And, there was no employee of XXXX 's signature on it as a witness. Also, I did not sign a HIPPA release for them to have any of my medical records, such as my diagnosis/reason for visit. I have repeatedly asked them to dismiss the debt because of following the Fair Debt Collection Act. They keep sending me the same bill. They should not have received the debt in the first place because they were not given permission, and they certainly should not have received my medical diagnosis.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

I checked my credit report and noticed care credit is reporting.. ; I did not request to open this card. I've sent the credit agencies my identity theft report and the account has yet to be shut down or removed.
Consumer complaint received 2023-02-10
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. (FL)

Client service has a total of 41 Accounts that need to be removed. As of now, 30 Accounts were removed. Wrote 3rd Round Credit Sweep Letters for 3 Credit Bureaus. Filed 3rd Round CFPB complaint online. Completed Before and After Credit Repair Analysis. Uploaded Experian letter to Experian.com. Send an email to mail off the letters written to credit bureaus. 

Credit Score dated XXXX Exprian : XXXX - XXXX = XXXX XXXX : XXXX - XXXX = XXXX XXXX : XXXX - XXXX = XXXX Experian Credit Score : XXXX Charge Off : XXXXXXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXX XXXX  XXXX Balance : {$16000.00} ( Previously Deleted, popped up account ) Collection : XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX Credit Score : XXXX Charge Off : XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Previously Deleted, popped up account ) Collection : XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX Credit Score : XXXX Charge Off : XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$16000.00} ( Previously Deleted, popped up account )
Consumer complaint received 2019-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (IL)

Hello there I discovered that a debt collection company, XXXX XXXX XXXX, had purchased an old debt from Citibank of a closed credit card account that was paid in full, and reported on my credit report in XX/XX/XXXX. The debt is now once again sold to XXXX XXXX XXXX in XX/XX/XXXX because XXXX XXXX XXXX had closed their business. 

The debt was for credit card account ending in XXXX, with an amount of {$5200.00}, which was opened in XX/XX/XXXX. The account was paid and closed on XX/XX/XXXX, with confirmation number and reference number. Please see attachment # 1. 

I had been dealing with Citibank and multiple creditors over and over again for the past 3-4 years, spent hundreds of hours on call, email, disputes, and fax, and the same account was confirmed by Citibank multiple times that it's been paid in full and closed. 

When the same debt showed up on my credit report again in XXXX, i finally hired a law firm to represent me and sent a letter to Citibank, Citibank finally had Ms. XXXX XXXX from the Executive Response Unit replied me and sent another confirmation letter to me in XX/XX/XXXX as proof that the account was paid in full and closed. ( XXXX ) XXXX Please see attachment # 2 Ms. XXXX had explained the account was misplaced when Citibank sell their old credit cards to a different bank, as a result, the bank even automatically generated and sent me a letter claiming I have to make a {$100.00} payment on account XXXX by XX/XX/XXXX -- - because this account was already closed, so the payment date was recorded as XX/XX/XXXX. Please see attachment # 3 If you look at my credit report, all Citibank related accounts were closed since XXXX to XXXX. No new Citibank account was opened. See Attachment # 4 It is NOT legal to harass consumer with fault account and I've had enough!! 
I demand that your company and Citibank to fully close, and forever remove this " debt '' account from my credit report within 14 days upon received of this email. 

I am filing this complaint with Consumer Financial Protection Bureau CFPB on XX/XX/XXXX, against XXXX  and Citibank. 

A complaint was also filed with XXXX XXXX XXXX XXXX on XX/XX/XXXX, against XXXX and Citibank. 

I will proceed with lawsuit if XXXX XXXX XXXX and Citibank fail to fix the error within 14 days. A law firm had been contacted and ready to file the case anytime.
Consumer complaint received 2022-10-27
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)

Please remove XXXX XXXX from my Hand Inquiries currently showing on my reporting. I do not know or have any known affiliations with this to the best of my knowledge. I have not known of any entity like this dealing with credit since 2015. A charge off in 2015. The statue of limitations are 3yrs. Maryland. This looks negatively on my reporting .please remove, as a hard Inquiries. Thank you so much for your help! Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (VA)

Ally Bank freezes my account on XX/XX/XXXX and they ask me to email them my identity document to their email address at XXXX. Then I emailed them my XXXX passport, my US driver license, and my utility bill. Three days later, they told me they could not verify my identity and they had to close my account. That decision is fine for me so I ask them to return the funds in my account which is more than {$24000.00}. But they told me they need some time to investigate my account. After they confirm all funds are legal, they would close my account and return the funds by check. 

Now, it is XX/XX/XXXX more than one month later. I still did not receive any check. I called them this afternoon, and the customer service said since they still could not verify my identity, so they would not return the funds!!! They would keep them because they thought I was not who I am!!! That is just totally ridiculous! I just need them to mail a check to the address on file. I do not know why they refused. I opened the account with that address, received the check book and debit card with that same address. They never doubt that address is not belonged to me. Now when I ask them to return a check to the same address, they think I am illegal. They doubt I am not myself. The address is on my credit file and the file related to my driver license. All the documents I provided are totally legal and real! 

When I open the account, they never doubt my identity. When they mailed me the materials including the checkbook and debit card, they never doubt my identity. After there were money in the account, they began to doubt my identity. At first, I trust them completely and provide all documents they required. I did everything I could, but right now, it seems they were cheating. I doubt this bank was using customer 's money to do their business. They extend the period for any refunds so that they could use our money longer. That is totally unacceptable!
Consumer complaint received 2022-09-12
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 13. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please update or correct this account. 16. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 17. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX  19. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-03-14
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. (IL)

PROBLEMATIC PERSONAL IDENTIFIER MISINFORMATION OF mandatory COMPLIANT REPORTING! 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Compliant Misinformation that is all or in part : of adequate status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, OWNERSHIP, certifiable RESPONSIBILITY, or irrefutable compliant obligatory and regulatory compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED, CORRECT, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all claims still yet unproven to be, correct, timely, as being mine, testimonial to be of my responsibility, with FCRA compliance, and/or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physical verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this here and now. Please RETURN to or federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me of physical evidence to every and all aspects of said claims, be them or not.
Consumer complaint received 2018-02-26
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: ORG GC GP BUYER, LLC (CO)

I received a letter from GC Services Limited Partnership about student loan debt I owed. I called them the week before XXXX, XX/XX/2017. I provided my financial information over the phone to them to get me qualified for a rehabilitation program. I was provided a payment amount and made my first payment that day. I waited for the paperwork to come, signed it and sent it back. A few weeks later I was called and told that I owed a much higher payment amount and needed to make that. So I agreed, made that payment, waited for paper work, signed it and returned. This continued on every month since. I get a phone call advising my payment is again much higher than previously stated, no one can give me a reason why and I just have to make the payment or I will have my wages garnished. I've tried working them for over 3 months now to get this plan started so I can improve my credit and get this behind me but they continue to have problems on their end that I end up suffering for. No one will give me any credit for the already {$800.00} I've paid them. The program works so you make a monthly payment for 9 consecutive months and then you're student loan debt is put back in good standing and you can apply with a different servicer to lower your payment. So after 3 months and {$800.00} they refuse to give me credit for those payments at no fault of my own, which they even admitted on the phone!!!! I can't deal with this company. They should not be in the debt collection business and I feel like I was just scammed from them. Can someone please contact me to help get this company out of business so this does not continue to other borrowers who just want to improve their credit scores.
Consumer complaint received 2022-10-27
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)

This is a formal complaint that XXXX, Experian, & XXXX are reporting inaccurate and incomplete credit information. This a violation of XXXX XXXXXXXX XXXX VIOLATION MISLEADING FALSE REPORTING
Consumer complaint received 2022-10-27
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. (VA)

My name 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 2022-10-13
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-12
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. (TX)

In accordance with the fair credit reporting act the following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Acct # XXXX XXXX Acct XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX ( Original Creditor : XXXX AT T ) Acct # XXXX XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX  LLC DBA ) Acct # XXXX
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. I have reviewed my credit report and found that the following information is incorrect and/or incomplete. Please investigate and verify the accuracy of this information as required by the Fair Credit Reporting Act ( FCRA ). 

US DEPT ED Account Number : XXXX According to my credit report, there is a negative item associated with this account. However, I would like to request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. If there is an error, please fix or delete this account from my credit report completely. 

XXXX XXXX Account Number : XXXX I have noticed that there is a negative item associated with this account. However, I have no record of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this harmful incorrect data immediately from my credit file. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX- This employer belongs to someone else. I request that you delete it from my credit report immediately. 

The following personal information is incorrect Account XXXX : XXXX XXXX - This employer belongs to someone else. I request that you delete it from my credit report immediately. 

As per the FCRA law, I am entitled to a response from you within 30 days of your receipt of this letter. I kindly request that you complete your investigation and provide me with a written response within this timeframe. I also request that you notify all credit reporting agencies that you have contacted regarding these errors. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX