davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-07-05
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: Bull City Financial Solutions, Inc (FL)

I informed Bull City that I do not have a consumer relationship with this company and the company is furnishing my private information without my consent. BullCity was also asked to verify this alleged debt. I informed Bull City of the many violations via certified mail on XX/XX/2022. Bullcity has failed to comply with the laws of the FCRA. Bull City failed to cease collection attempts during the investigation nor has Bull City provided me with any investigation results.
Consumer complaint received 2022-03-08
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)

Upon checking my credit I realized some fraudulent charges. So I went to FTC file an identity theft affidavit. I also sent information in to the collections agencies which seem to be ignored. So now Im sending my compliments to cfpb. The following account are XXXX  XXXX XXXX account number XXXX XXXX  XXXX  account number XXXX XXXX XXXX XXXX XXXX} account number XXXX XXXX XXXX XXXX XXXX  account number XXXX All of the above listed accounts are fraudulent. Ive never done business with these companies or entered into A written contract with his company. 
please see attached FTC report which will be very clear so please dont say you cant see it as to what you keep sending back generic letters in the mail. please see proof of identification per FTC
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I wrote to the creditors listed below, demanding an investigation into issues I believed were erroneous and falsely reported. To far, I have not got an answer. I feel this is not just a stall tactic on their part to allow an additional XXXX days to comply with my original request, but also a blatant breach of 15 U.S. Code 1681i - Procedure in case of disputed correctness.

Your credit reporting agency has been reporting erroneous and incomplete account information on my credit report. I am concerned that the aforementioned erroneous accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit information they provide and may be held accountable under 15 U.S.C. 1692g debt validation.
Consumer complaint received 2022-03-08
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. (LA)

I have been trying to get Experian and XXXX to resolve the issue on these two accounts. I have complaint about the HIPPA privacy violation and have complainted to XXXX  for their assistance. I am continue to receive calls about my medical condition wich is againt the HIPPA law. I have also filed complaints with CFPB and directly with EXPERIAN and XXXX and as of today no resolution. Please comply with my request. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my Experian credit report : DISPUTED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My ex husband had me listed as a secondary user on his credit card with USAA. I did not give permission to be added to this card. He maxed out the card and did not pay it for several years. In our divorce the court awarded the USAA debt to my ex husband and he was made responsible to pay. But the lack of payments were reported as severe and have negatively affected my credit even though I had no knowledge or consent to be added to the card. USAA has refused to remove my name as a secondary user even though my ex husband has agree to pay the debt. He had my name associated with several other credit cards and I was able to resolve the debts with them but not with USAA.
Consumer complaint received 2018-08-05
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (OH)

I have specifically sent in a Police Report to customer service NUMEROUS times and dispute all transactions on my account that were not mine when i sign for transactions i use first middle and last initials when i requested them to have proof they only have signature of XXXX i gave 3 reps my police report and i will not provide it again and it still shows i have late payments and i still owe the balance of {$4000.00} I disputed this also numerous times and it should not have to keep getting disputed over and over and over again. If this isn't removed off my report within 5 business days i will be contacting the Ohio Attorney General XXXX XXXX. I have the right to fix whats correct. It is unfair that i'm responsible for this. i only made a 1 transaction and this is the transaction i made ORIGINAL TRANSACTION AMOUNT {$750.00} on XX/XX/2018 please remove all transactions except the XXXX. this is the only one i should be responsible for.
Consumer complaint received 2022-03-08
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. (MI)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance {XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX BANKRUPTCY XXXX XXXX  XXXX Amount - BANKRUPTCY CHAPTER XXXX XXXX Amount XXXX XXXX XXXX Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XXXX XXXX, XXXX Bankruptcy XXXX XXXX Amount : - Bankruptcy chapter XXXX XXXX Amount : Individual : Bankruptcy XXXX Amount - Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount
Consumer complaint received 2018-08-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

beginning in the month of XX/XX/2018 Department of Nelnet placed a remark on all 9 of my student loan accounts as " payment deferred '' which has negatively affected my three credit reports. my credit score has went down 10-30 points across all three credit bureaus. Before XX/XX/2018 there were no remarks on my student loan accounts and how they were reporting then were not affecting my score im asking that all the remarks be removed from all 9 student loan accounts as it is making it hard for me to apply for credit.
Consumer complaint received 2023-03-16
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. (CT)

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 XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 sec 602A. I have a right to privacy.

15 USC 1681 604A sec 2 consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information : any adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-18
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. (GA)

I have disputed the late payments on this XXXX  XXXX XXXX for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (CA)

UNKNOWN INQUIRIES : XXXX XXXX  DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. XXXX XXXX XXXX XXXX DATE : XXXXXX/XX/XXXX INQUIRY FOR CREDIT CARD CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. 

XXXX DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE.
Consumer complaint received 2022-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (NJ)

Self.inc is a scam when its time to pay you your payout they start to give you a hard time to receive all the money youve been paying them thinking your saving your money and building your credit but no there just stealing your money and reporting your own time payments. I have had this account for over a year my payout was almost done but things took. A a scary turn when I decided to close my account early and receive my payout. Everything went smooth with closing the account and was told I would receive a payout in 14-15 days. As time went on I was supposed to receive a payout instead I got an email to verify my personal information that they had on file since I opened the account. They tried to use this as a reason to deny me my payout. Instead of them just returning the money to the same account I made the payments from they decided to try and find away to not issue my payment. I talked with the company and they pretty much said they have no time frame now for me to receive my money. Which is mine blowing because I never had a problem paying them my money and they was taking it but now I want it back and it seems impossible. They even closed the account out already which is making a negative report on my credit report but that sucks because now they messed up my credit and wont give me my money back that they promise to you in the beginning of the loan and secured card account
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : The following inquiries must be removed from my credit report : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

To whom this may concern my name is XXXX XXXX XXXX, and I am writing this statement for myself. The accounts mentioned in this report should not be reporting on my accounts as they violate the federal credit reporting act according to 15 US code 1681-B- permissible purposes of Consumer Reports ( a ) in general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) by the written instruction of the consumer to whom it relates. I've never given these consumer reporting agencies my written verbal instructions to report anything on my consumer report which violates my right as a federally protected consumer. No consent is also identity theft. As a federally protected consumer, I am demanding the deletion and removal of these listed accounts immediately. 

ADDITIONAL UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

in XXXX  2016 I reported my card stolen ... XXXX XXXX XXXX said and I quote., the banis the victim..XXXX was taken from my card, In store camera shows the people that took my money off my card at a XXXX XXXX in XXXX ca. and I was told oh well..im XXXX  and that was my rent money..now I'm still XXXX, and I feel cheated..i was a victim of these people and no one was punished and I wasn't reimbursed..my dispute was denied 3 times when I was stole from and I feel that is wrong ...
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report XX/XX/2018 Credit score should be adjusted due to XXXX, XXXX XXXX, XXXX XXXX XXXX was on my credit 2 XXXX XXXX XXXX was showing due to the deletion and back in XX/XX/XXXX that they be removed due to 1 had went to court and dismiss and I provided the documents several times with no results. Experian had has enough time to correct the issues in which they was all deleted and XXXX XXXX XXXX was placed back and removed a second time in which I provided a letter stating the account had been deleted. My score has not change due to errors on Creditors and Experian I should not have to wait due to errors and mistakes by Experian time of months.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

On my card ending in XXXX american express deducted XXXX  membership reward points.

When I called in on XX/XX/2018 I was told the reason for this is because I downgraded a card I earned a bonus welcome offer.

They did not tell me this when I downgraded.

Also, when I called in the supervisor was not able to show me any terms that mention this specifically. After speaking with a supervisor for about a half hour all the supervisor was able to come up with is that the terms specify they have a right to remove the points if " you have engaged in abuse, misuse '' All I did was change my card to a blue card. Changing a card is a standard procedure. The rep that changed the card didnt mention that changing cards is abuse.

Also, they took back the points about 2 month after the points was used leaving me with a negative balance. What kind of decency to after using the points to come up with reason to remove the points. If they felt this was abuse they should have removed the points right away.
Consumer complaint received 2022-07-25
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

Lastly, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once.
Consumer complaint received 2023-01-29
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. (CA)

The following accounts : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX inaccurate and unverifiable. I have disputed the accounts listed above with transunion and they have failed to verify the accounts. Reporting inaccurate and unverifiable accounts is a violation of my rights according to the FCRA. I would like the accounts above to removed/deleted from credit report.