davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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. (CA)

This report is for the credit bureau Equifax which recently revealed that it mishandled my credit information and that of XXXX others by exposing themselves to a large scale security breach. Although not proven conclusively, there are major indications that there were major lapses in Equifax 's security coverage and these were not addressed in a timely manner. 

Additionally, Equifax has not provided any sort of remedial credit/identity protection service and is instead still charging {$19.00} for their credit protection service. This is entirely unacceptable in light of the cybersecurity breach. 

I am also listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have tried and tried with all three credit bureau XXXX, XXXX and TransUnion to remove the late payments from XXXX XXXX. The late payments needed to be removed from my credit. I never got one statement at and was XXXX to XXXX. They mailed all the statements to Florida resident of XXXX XXXX XXXX, XXXX, Florida XXXX. While XXXX, I also had all my mail forwarded to my current wife address in Ohio of XXXX XXXX XXXX, XXXX XXXX, Ohio through USPS. Once home, I found out about all the late payments. So I took action, I Paid and closed the account. I Was Never told or had knowledge of her late payments. Some of her payments were gone up by XXXX dollars, where I believe she was paying XXXX XXXX month, and it had gone up to XXXX a month. But Regardless I am very responsible on my payments and I can not have they post that on my credit they need to remove those late payments specially since I paid and closed that account as I am very responsible as an XXXX and XXXX XXXX veteran who served my country proudly. The least they can do is remove the late payments and or remove sXXXX XXXX from my credit completely. My history shows I have always been responsible with my mortgage payments. Problem is, I recently checked my credit report to find out this late payment charges. If you see my credit report, I have always paid my creditors on time with past mortgage companies. So It would not make sense that I would be late on a small payment of which I had no knowledge. And I was divorced so my communication with my x wife was of non-existence, please help a responsible veteran who fought hard and survived. Please help. I am also in a process of getting veterans department lawyers and civil lawyers involved in this case to go ahead and sue XXXX XXXX. I have tried to call XXXX XXXX to get my account number and had no luck with them, they said I was not in their system God bless PS : I have added the XXXX statement and awards for the section 5 in this application concerning my veterans ' status.
Consumer complaint received 2022-03-15
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. (OH)

I have tried and tried with all three credit bureau Experian, XXXX and XXXX to remove the late payments from XXXX XXXX. The late payments needed to be removed from my credit. I never got one statement at and was XXXX to XXXX. They mailed all the statements to Florida resident of XXXX XXXX XXXX, XXXX, Florida XXXX. While XXXX, I also had all my mail forwarded to my current wife address in Ohio of XXXX XXXX XXXX, XXXX XXXX, Ohio through USPS. Once home, I found out about all the late payments. So I took action, I Paid and closed the account. I Was Never told or had knowledge of her late payments. Some of her payments were gone up by XXXX dollars, where I believe she was paying XXXX a month, and it had gone up to XXXX a month. But Regardless I am very responsible on my payments and I can not have they post that on my credit they need to remove those late payments specially since I paid and closed that account as I am very responsible as an XXXX and XXXX XXXX veteran who served my country proudly. The least they can do is remove the late payments and or remove XXXX XXXX from my credit completely. My history shows I have always been responsible with my mortgage payments. Problem is, I recently checked my credit report to find out this late payment charges. If you see my credit report, I have always paid my creditors on time with past mortgage companies. So It would not make sense that I would be late on a small payment of which I had no knowledge. And I was divorced so my communication with my x wife was of non-existence, please help a responsible veteran who fought hard and survived. Please help. I am also in a process of getting veterans department lawyers and civil lawyers involved in this case to go ahead and sue XXXX XXXX. I have tried to call XXXX XXXX to get my account number and had no luck with them, they said I was not in their system God bless PS : I have added the XXXX statement and awards for the section 5 in this application concerning my veterans ' status.
Consumer complaint received 2022-03-15
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. (TN)

i did not consent to or benefit from the following information XXXX, XXXX, and Experian listed on my consumer credit report, block and remove the following Account : DEPTEDXXXX Account # XXXX, Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed excluded from from a consumer credit report, if a social security card was used in the transaction. Additionally under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section you're not supposed to include factual information and they're supposed to interview my neighbors, friends, or associates. If the accounts not removed you're civilly liable for reporting the information and it's also inaccurate.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.
Consumer complaint received 2022-03-15
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: Santander Consumer USA Holdings Inc. (TX)

i did not authorize nor consent to the following inquiries being furnished on my consumer reports. The following Inquiries to be removed, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXSANTANDER CONSUMER USAXXXX 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 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 XXXX XXXX
Consumer complaint received 2022-03-15
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: American Credit Acceptance, LLC (TX)

i did not authorize nor consent to the following inquiries being furnished on my consumer reports. The following Inquiries to be removed, 1.XXXX XXXX XXXX XXXX- XXXX XXXX 2XXXX  XXXX XXXX- XXXX XXXX 3.AMERICAN CREDIT ACCEPT- XXXX XXXX 4.XXXX XXXX- XXXX XXXX 5.XXXX XXXX XXXX XXXX- XXXX XXXX 6 XXXX XXXX XXXX 7.XXXX  XXXX XXXX XXXX 8.XXXX XXXX- XXXX XXXX 9.XXXX XXXX XXXX XXXX XXXXMAJR XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX XXXX XXXX XXXX XXXX 14XXXX XXXX  XXXX XXXX 15XXXX XXXX XXXX 16.XXXX XXXX XXXX  XXXX 17.XXXX  XXXX XXXX XXXX 18.XXXX XXXX  XXXX 19.XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
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. (CA)

There are still multiple accounts on my report that are not mine and should not even be reporting. They haven't removed them even though they do not even belong to me.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

Despite my repeated requests that they do so, EQUIFAX refuses to delete an outdated, factually inaccurate account with XXXX from my file. The vehicle in question was NOT repossessed from ME, nor were ANY payments made late by ME but in fact belonged to my former spouse who received over {$1000.00} when the vehicle was sold as it was her account and NOT mine! I simply want ALL information pertaining to it deleted from my EQUIFAX file.
Consumer complaint received 2022-12-14
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: TD BANK US HOLDING COMPANY (TX)

I have been served. Sued without properly notifying me. I was making on time payments. When I made partial payments, XXXX sent those payment back to me. Per the last statement dated XX/XX/2019 that was attached to the Citation, it states " your account has been charged off. This is your final statement ''.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (GA)

Last month between XXXX XXXX an imposter made 3 charges on my XXXX account after they hacked and of course they were not authorized. These charges were attached to checking account ending # XXXX and came to a total of around {$1400.00}. I filed a dispute, and it was quickly dismissed. Of course that account was closed and that doesn't stop the bank from doing an investigation. Shortly afterwards, they denied the dispute. 
I refiled dispute on XXXX XX/XX/2022 again about these fraudulent charges. Citibank is in violation of the Electronic Transfer Act by denying customers credit for fraudulent transactions. This is a recurrent theme with Citibank and something that will eventually land them in hot water. 
I need my money back and Citibank needs to follow the law and honor customers disputes. I was a customer with this bank for about 16 years and they are now trying to claim they don't recognize me as a customer. How low can you go? This bank is also involved in fraud as they help thieves to steal customers ' money. I hope the government can go ahead and start an investigation into these deceptive practices.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (TX)

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. The complaint I'm referring to includes complaint number XXXX, XXXX, and XXXX. In that complaint pursuant to 15 USC 1681i ( 7 ), I demanded EQUIFAX send me my REINVESTIGATION results in 15 days of the late payments that I have disputed that they claimed were verified. I asked for the description of the procedures included in 15 USC 1681i ( 6 ) ( B ) ( iii ) that EQUIFAX have taken to receive those results. It has been way pass 15 days and I have not received any " REINVESTIGATION '' results. I have also asked for the written instructions I gave EQUIFAX, pursuant to 15 USC 1681b ( a ) ( 2 ), to furnish this information on my consumer report. Without my written instructions, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. I have not receive those written instructions either.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MD)

Reference to my complaint XXXX # XXXX, Citi Bank has violated its commitment to issue refund payment of over {$100000.00} within 60 days after the closure of my account. The attached documents shows my CitiGold bank account with {$100000.00} deposits as of XX/XX/XXXX, in which Citi Bank has stopped sending the XXXX And XXXX statements. 
The amount of {$100000.00} has been transferred from my ExternaXXXX Bank XXXX XXXX XXXX with {$51000.00}, {$2000.00}, on XX/XX/XXXX and {$48000.00} on XX/XX/XXXX, The attached copy of my XXXX Bank account statements shows as evidence to the case. 

also,, as the my XXXX bank statements shows, Citi Bank has returned my last {$100000.00} deposit on XX/XX/XXXX, in order to comply to {$200000.00} opening checking account for {$1500.00} bonus rewards. 

I have brought these issues to Citi Bank Executive office attention without any clear response. I have noticed Citi Bank actions are irrational and abusive regarding my account. 
XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

During the equifax data breach, they created a site to check if I was affected. However, the site includes a search that does not work, and automatically opts-in to their service along with the terms of use without an option. 

I did not want to opt-in, only to find out if I was affected. I have already had unauthorized use of a credit card.
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Equifax, one of the three major consumer credit reporting agencies, said on Thursday that hackers had gained access to company data that potentially compromised sensitive information for 143 million American consumers, including Social Security numbers and drivers license numbers.
Last year, identity thieves successfully made off with critical W-2 tax and salary data from an Equifax website. And earlier this year, thieves again stole W-2 tax data from an Equifax subsidiary, TALX, which provides online payroll, tax and human resources services to some of the nations largest corporations.
My complaint is after being hacked twice Equifax on Thursday XX/XX/XXXX did not improve its security practices after those previous thefts, and they noted that thieves were able to get the companys crown jewels through a simple website vulnerability.
Criminals gained access to certain files in the companys system from mid-XX/XX/XXXXto XX/XX/XXXX by exploiting a weak point in website software, according to an investigation by Equifax and security consultants. The company said that it discovered the intrusion onXX/XX/XXXXbut failed to notify me via email, phone call or an alert from Equifax themselves since I am a member In addition to the other material, hackers were also able to retrieve names, birth dates and addresses. Credit card numbers for 209,000 consumers were stolen, while documents with personal information used in disputes for 182,000 people were also taken.
After the cyber attack, three senior executives, including the companys chief financial officer, XXXX XXXX sold shares worth almost {$1.00} million in the days after the breach was discovered. This sounds very fishy to me.
Using the data stolen from Equifax, identity thieves can impersonate me with lenders, creditors and service providers, who rely on personal identity information from Equifax to make financial decisions regarding potential customers.
So far, I checked if I was affected using Equifax 's website here : https : //www.equifaxsecurity2017.com/potential-impact/ And it said that I maybe one of the millions impacted by this cyber security breach. I feel very let down and very vulnerable after hearing this news, especially when it involves my privacy and personal information which can lead to identity theft or worse.
I also signed up for a 90 day Fraud Alert as well. I am also thinking about freezing my credit with all three branches, Equifax, XXXX, and XXXX I really thought one of the biggest credit reporting companies would be the safest place to put your trust in but I just feel violated and let down.
Consumer complaint received 2022-03-15
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. (VA)

I consumer XXXX XXXX, received a consumer report from TransUnion and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent account is inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy.
Consumer complaint received 2022-03-15
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: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

7. The status is incorrect for the following account XXXX  Account Number : XXXX Please supply information on how you have verified this item. 

8. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

10. The following account is not mine XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-09-08
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. (MT)

XXXX mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to the XXXX website, and would like a resolution.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

on XX/XX/2023 I came to notice about the inaccuracy after I the consumer was denied the right to extend credit. on XX/XX/2023. I reached out to experian, XXXX and XXXX. To inform stated financial institutions. as defined in 15 usc 6827 ( 4 ) ( a ). they are financial institutions as these stated consumer reporting agengies have relationships with financial institutions by being service providers. under title 15 chapter 94 subchapter 2 congress states it is a violation to obtain or attempt to obtain, or cause to be disclosed to any person, customer infomation of a financial institution relating to another person. not only is the stated reports listed in the affidavit that i have in the attachments section of this complaint not owed. experian, XXXX and XXXX has violated my consumer rights by not informing me of my rights to opt out. Nor did i consent to any of the following transactions or reports listed in the affidavit in the attachments sections of this complaint. this is an infrigment upon my rights. I the consumer was never contacted to ensure accuracy. Therefore no intial investigation was conduted immediately to determine if the reported infomation was accurate. 15 usc 1681 ( a ) ( 4 ) states " There is a need to ensure fairness, impartiallity, and respect for my right to privacy.
Consumer complaint received 2020-05-16
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. (TX)

YOUR COMPANY is continuing to report fraudulent accounts on to my credit file that they maintain. XXXX  with a past due amount of {$670.00} opened XX/XX/XXXX and XXXX XXXX XXXX opened XX/XX/XXXX with a past due amount of {$670.00} do not belong to me. I am a victim of identity theft and these account are a result of such.