davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (VA)

I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

XXXX XXXX. ( XXXX ) Account number : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account number XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account number XXXX 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
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (AL)

I opened an account with HSBC. I had a difficult time initially funding the account. I made a small deposit followed by a {$400.00} deposit. I received a {$40000.00} transfer into my account. The next day I wanted to use a wire transfer to another account. I was told that the account was suspended. I called and talked to some who would relay my concerns to the bank 's fraud department. I was told that the account was under review. The bank keeps delaying their decision to reopen or close the account. They are stalling. I ask for an expedited decision and was told a decision would be made on a Friday. The following Monday I called and no decision was made.
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. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX, I received a statement from Synchrony Bank/XXXX XXXX XXXX ( XXXX ) that my account was " past due '' in the amount of {$28.00}. plus interest of {$1.00}. I had not charged the purchase of any merchandise at any XXXX 's XXXX using the XXXX since XX/XX/XXXX. There was no balance pending payment since I always paid outstanding amount, avoiding any interest charges. When speaking with a rep of XXXX, I was told that the amount outstanding represented balance due of membership remewal fee.. Whoa! XXXX had unilaterally charged the credit card for my membership fee, unauthorized. I remember that during the month of XX/XX/XXXX, while at a XXXX XXXX XXXX in XXXX GA, I requested the status of my membership and whether any balance was due. I was verbally informed that i was " fully paid ''. I presumed that my account was in good. Then last week, I received the above mentioned correspondence. After speaking with a XXXX rep, it was agreed that the past due amount and interest due were incorrect, and reverse charges were initiated. Problem solved? No, because the report issued to a credit bureau included the past due notice plus interest. Wrong! This should never have happened -- renewing a club membership without member 's authorization, then compounding the error by entering into a past-due, late payment borrower. This should be corrected immeidattely.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (AL)

Okay I logged into my credit reports and noticed an account name Barclays it has a balance of {$XXXX} it is under credit card accounts. Ive never had a credit card with this company and I havent opened any accounts in 2019 as it states it was opened XX/XX/2019 which is the year my identity was stolen.
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: EQUIFAX, INC. (LA)

I have been trying to get XXXX and Equifax 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 XXXX and Equifax 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 XXXX credit report : DISPUTED ACCOUNTS 1. XXXX XXXX XXXX Account number XXXX 2. XXXX  XXXX XXXX Account XXXX
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX, TX XXXX Account Number Num : XXXX XXXX : CFPB Case Num : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also is listed bellowed as an attachment. You could see the account information as it appear in my credit repot. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters delete and correct the disputed item as soon as possible. I have attached copy of all the correspondence regarding this issued with XXXX XXXX. 

Due to the age of the account was closed on XXXX XXXX, XXXX with a zero balance. It has been more that 8 years. The company has reported to the bureaus, to remove the account from the credit report. 

Thank you for the opportunity to clarified this issued. 

XXXX XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Account Number Num : XXXX XXXX : CFPB Case Num : XXXX Attachment of the credit Report
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I had a joint Citibank checking account with my wife, who recently passed away. I wanted to add my 2 adult children to the account so that they could have access to money if something happened to me. Adding my daughter was OK, but they would not add my son, who lives with me, on the account although he had his passport, social security card and a credit card offer from a different bank mailed to him at our address. He also had his Citi credit card issued with his name on it for which he is an authorized user ( I am the primary on that account ). He has a NY Lerners permit, but due to his mother 's XXXX and ultimate demise, he did not take the drivers test and it expired a couple of months ago. 
I have been banking with them for 35 years, have a considerable amount in my accounts and was only trying to take care of my kids. Since he lives with me ( and I pay the bills ), there are no statements mailed to him at our address. 
Is it true that Citibank can not add an adult child as an authorized signer on an existing checking/savings account without " proof '' of address, even if it is the address of the primary account holder?
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. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter. Please REMOVE all of the fraudulent information listed below from my credit profile, pursuant to section 605 ( b ) of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems (TX)

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The above referenced company is reporting an outstanding loan in the amount of {$2000.00} with an original creditor XXXX XXXX. I have never requested or acquired this loan and have no idea who XXXX XXXX is. This collection appeared on my credit report as of XX/XX/2018.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MN)

I contacted Experian in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Experian again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Experian that there were none showing. 

I opened the disputes. I want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.
Consumer complaint received 2018-08-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/XXXX my wife and I was in the car going out of town, I logged into the NFCU online Mobile App into our Joint Checking Account using my wife 's mobile phone. I gave my wife her phone back because I was driving to check our balance. So I had my wife to call NFCU because they had some type of alert message that wasn't pertaining me. 

The NFCU Representative did speak to my wife regarding our Joint Account on XX/XX/XXXX and the alert message. So my wife requested to ask to speak to a supervisor. She told the supervisor about the inaccurate alert message under my login access. The supervisor called the certain Department to have that alert message removed. The supervisor assured my wife the message will be removed under my login access. 

On Saturday XX/XX/XXXX I used my wife phone to try to login using the NFCU App to make sure that alert message was removed, I couldn't get into our joint account using my login as usual. I tried to login using my wife second cellphone I still couldn't get into our checking account. I said maybe something was wrong with NFCU online App over the weekend. 
On XX/XX/XXXX I gave my wife permission to login on my behalf into our joint account because I was at work. We notice we still couldn't access our checking account using NFCU online App. The supervisor from XX/XX/XXXX that my wife spoke to secretly suspended my online access without saying anything to me or my wife because I gave my wife permission to access our online Joint checking to check our balance. This was sneaky and discrimination against my wife because in the year 2000 she filed for chapter XXXX bankruptcy on some of her NFCU accounts. I want my online access back because they purposely suspended my online access without notifying me first. You need to do something about NFCU or I will get a LAWYER and sue them for Discrimination.
Consumer complaint received 2018-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (OH)

this is not my debt if you believe it is please provide a copy of a signed written contract. i have no knowledge of this debt. also consider this as a cease and desist and also i need you to remove yourself from all 3 of my credit bureaus immediately and delete all my personal information now.
Consumer complaint received 2018-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TN)

My son went to a XXXX on XX/XX/2018. They filed my insurance for the visit and my EOB showed that I owed them {$100.00}. I never got a bill for the visit but tracked it on a spreadsheet like I do all of my bills so that I know when the visit was and how much my insurance company says I owe. I waited and waited for a bill. Finally got bill # 1 with a statement print date of XX/XX/2018 with a due date of XX/XX/2018. There was no urgency to the bill- nothing that noted that this was an attempt to collect an overdue amount or that I was 90 days past due etc. Just looked like a routine 1st bill. I had not had a chance to even write a check or attempt to make a payment when I get a letter from a collection agency dated XX/XX/2018. The letter from Transworld Systems Inc stated that it was a courtesy notice from a debt collector and I had 30 days to dispute the validity of the debt. I called the XXXX phone number about the bill on XX/XX/18. I was told that the bill dated XX/XX/18 was my 4th notice and that 3 others had already been sent. I told her that was not true and there is no way that I missed 3 bills from them. I also asked why this current bill didn't show that I was 90 days past due and that if I didn't pay that it would be handed over to debt collection. There was nothing on the bill to indicate that it was past due or near collection. She said she had no idea why and that her system shows the 4 letters were sent it and it was my problem and very rudely wanted to collect a payment. I told her I would pay her. That I had a Health Savings Account and that I worked for an XXXX XXXX and track all of my bills on a spreadsheet and I had been waiting on this bill. She still continued to stand by the fact that is was my fault and there was nothing that they did wrong.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sent out several letters explaining that the information they had regarding accounts were not mine. I asked for the original signed documents to prove that the accounts belonged to me. The credit bureaus keep reporting the information as mine. 
sent letters XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. I even sent letters using certified mail.
Consumer complaint received 2019-04-20
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. (AZ)

I notified all 3 credit reporting agencies ( Equifax, XXXX and XXXX ) that the Chapter XXXX Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX dismissed case to be removed from all 3 credit bureaus.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I submitted request to all Equifax, XXXX, and XXXX regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

On my report there is another XXXX XXXX living in XXXX Ohio, with a completely different social security number, spouse and employer. How do they input that information to my report when the only thing that matches is our name? The process Experian requires to correct their mistake is not consumer friendly in the least. 

I have submitted my complaint but would also like to submit this complaint to ensure quick resolution.
Consumer complaint received 2019-04-20
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. (FL)

I am filing this complaint today XX/XX/2019 because Transunion has ignored my request received on XX/XX/2019 to provided me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have contacted Equifax on multiple occasions to remove inquiries on my report that were not authorized by me. The statutes are referenced in my attached letter. 

I want the inquiries removed from my credit report.
Consumer complaint received 2022-07-23
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 ; XXXX 's # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX has violated my rights.

15 U.S.C.1681 Section 602 A, States that I have the right to privacy.

15 U.S.C.1681 Section 602 A, Section 2 ; it also States a consumer reporting agency CAN NOT furnish an account with information without my written instructions.
Consumer complaint received 2018-08-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has been bullying me for a long time with the VA loan I have. I have had this load for 7 years, in the first few years everything was ok. I was playing {$970.00} for the loan, but out of nowhere in XX/XX/XXXX, with no warning or documentation they raised the load payment to {$1500.00}. It took me 3 months to get someone to tell me what happened. Within those 3 months I was put on hold for hours, hung up on constantly. When I finally got someone on the line they said my taxes went up and they didnt take enough out for the insurance. I had to get a loan mod and had it taken down to {$1200.00} in XX/XX/XXXX. I worked some stuff out with them but here in XX/XX/XXXX when hurricane Harvey came thought and flooded my home Wells Fargo gave me 3 months to not pay anything but at the end of the 3 months what ever I didnt pay in those 3 months I had to pay in full. This hurt me and my credit. Wells Fargo had destroyed my credit. I am far behind in my loan due to the fact that Im trying to catch up with paying the bubble and it just kept adding on. I was never given any documentation at all. I asked many times but all I was given was a person telling me about whats going on. I would like it if they could take off the late payments on my credit so I can refinance my house with someone else.
Consumer complaint received 2022-07-23
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. (TX)

In accordance with the Fair Credit Reporting Act ; XXXX 's # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX has violated my rights.

15 U.S.C.1681 Section 602 A, States that I have the right to privacy.

15 U.S.C.1681 Section 602 A, Section 2 ; it also States a consumer reporting agency CAN NOT furnish an account with information without my written instructions.