davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (FL)

I am writing to express my deep concern regarding the consistent pattern of stall letters that I have received in response to my dispute letters sent to XXXX/Equifax/XXXX . As a diligent consumer, I have taken the necessary steps to rectify inaccuracies on my credit report, only to be met with what seems to be a systemic delay in the resolution process.

Upon further investigation and consultation with resources available, including the Consumer Financial Protection Bureau ( CFPB ) database, I have noticed a recurring trend of similar complaints from other consumers regarding stall tactics in your responses to disputes. The CFPB has also addressed this issue in a report titled " CFPB Issues Report on XXXX, XXXX, and Equifax, '' highlighting the need for fair and efficient dispute resolution processes. 

In particular, I would like to draw your attention to the cases of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, as these legal precedents underscore the obligation of credit reporting agencies to promptly and thoroughly investigate consumer disputes under the Fair Credit Reporting Act ( FCRA ). Both cases emphasize the significance of compliance with FCRA 1681i, which mandates a reasonable and timely investigation into consumer disputes.

The continued use of stall letters raises concerns about potential violations of FCRA 1681i and goes against the principles laid out in the aforementioned cases. It is my sincere hope thatTransUnion/Equifax/Experian will take immediate steps to rectify this matter, ensuring that disputes are addressed promptly and in accordance with the law.

I kindly request that you conduct a thorough and expedited investigation into the disputes I have raised and provide a comprehensive and timely response in line with the FCRA. Failure to do so may compel me to escalate this matter further through legal channels.

Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution.
Consumer complaint received 2022-08-28
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. (NJ)

XXXXXXXX XXXX and XXXX provided false and inaccurate information to Experian causing my credit score to reduce by XXXX points and my credit rating to go from Very Good to Fair on XX/XX/XXXX. I had only 2 % debt and have never been late with any of my credit cards. I disputed the information the first time without any thorough investigation done. I was not able to upload any supporting information to Experian. I was never told that they have a site where documents are uploaded. They concluded the investigation within few days and posted the result. I disputed the collection account again by XX/XX/XXXX and told them I have supporting documents to upload. Surprisingly, the investigation ended the next day with the result posted again even while they knew I was trying to upload some documents. By the time I successfully uploaded the documents, the investigation had already concluded. It was after the fact that Experian told me that their system accepts only pdf or tiff files. I day investigation for false and accurate information is not enough. And not waiting for the documents means that both XXXX and Experian had already made up their minds about the results without any investigation. The two files I wanted to upload will be uploaded here to show that I XXXX sent me a letter of termination dated XX/XX/XXXX, and agreed to it per my affidavit and letter. The second letter dated XX/XX/XXXX, will show that XXXX forged a request for termination and made it appear that I made the request. The letter is fraudulent because I never contacted XXXX between XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

XX/XX/XXXX - I wrote XXXX  and asked them to validate the debt of {$620.00}. 
I disputed the debt through all three credit bureaus and requested that all details of the debt be verified as accurate, XXXX verified the details of the debt as accurate. 

On or about XX/XX/XXXX, I made a {$300.00} payment to XXXX  to pay down the debt. I requested a settlement amount and they stated I agreed to a schedule, which I never did. 

I reviewed my credit reports and the account is reporting inaccurately. XXXX is stating the original amount is {$320.00} and there is no record of any payments being made. 

XXXX has a responsibility to report the account accurately, per the correspondence they sent me, therefore, I am requesting the account to be deleted per 15 U.S.C. 1681i.
Consumer complaint received 2022-08-28
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. (MO)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX ending acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. amount : {$1100.00} Original creditor XXXX 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 2022-08-28
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. (MO)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX ending acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. amount : {$1100.00} Original creditor XXXX XXXX XXXX XXXX XXXX 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 2022-11-30
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I deposited on XX/XX/2020 {$450.00} CASH then $ when asked if I wanted to deposit more I deposited {$900.00} the ATM gave me back a {$100.00} and the ATM started to make a loud jammed noise. After that gave me a receipt stating MACHINE ERROR Attempted deposit {$450.00} I contacted the branch manager and he when through the back of the ATM machine and said he only had limited access and that he could see any bills jammed. I called the ATM department ( since the bank has nothing to do with their own atm ) and filled a claim. The representative filled 2 claims one for {$450.00} and another {$800.00}. Up to today i only got {$450.00} deposit to my account and the {$800.00} still on dispute because the bank closed that dispute as a " duplicate claim '' even do its not the same amount! How can it be a duplicate? Now i have another claim number and no response from the bank. 
US Bank is in violation of regulation E. 
ATM claims you have to wait 10 business days for a credit even do its not a third party ATM. Ridiculous
Consumer complaint received 2022-08-28
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: Santander Consumer USA Holdings Inc. (VA)

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Consumer complaint received 2022-08-28
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: BSI Financial Holdings, Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX 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 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 2020-09-14
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. (AL)

I AM LOOKING AT MY CREDIT REPORT AND I AM INFORMING YOU GUYS THAT I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS OR INQUIRIES DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS WERE AUTHORIZED. REMOVE THEM BC THEY ARE NOT MINDS.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

ChexSystems is reporting to some banks that I have negative information on my report but I do not and will request a copy of my report they refused to provide it as is required by law.
Consumer complaint received 2019-07-15
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: WELLS FARGO & COMPANY (FL)

I have been a co-signer for my granddaughters student loans. All loans have been with Wells Fargo. This year we again applied for her final year loan of {$8000.00}. I am a preferred customer of Wells Fargo, I have substantial monies on deposit with Wells Fargo. I have no debt and own two homes. Wells Fargo 's student loans are not required to be paid until after the student graduates. This is a " perk '' advertised by Wells Fargo. 
In previous years I was provided discounts based upon my preferred customer status and high credit scores. This year we were initially quoted a loan in excess of 10 %. In previous years our loans have been in the 4-5 % range. When questioned Wells Fargo stated it was because of my credit score and my granddaughter 's credit score. This was quite a shock because neither myself or my granddaughter had any new financial transactions except this years student loan. Wells Fargo always uses XXXX  as the reporting company for their loans. This is done because XXXX is always 40-50 points lower than the other two reporting companies. I believe there is a relationship between Wells Fargo and XXXX to produce lower credit scores so that Wells Fargo can charge higher interest rates. Wells Fargo always orders a credit score from XXXX. XXXX lowers the credit score because of Wells Fargo 's inquiry and then Wells Fargo uses the lower score to justify a higher interest rate. Wells Fargo and XXXX  does this even though Wells Fargo 's student loans are not required to be paid until after the student graduates. The borrower is penalized because no money has been paid on the student loans even though no money was required to be paid. Neither myself or my granddaughter had any " negative '' changes during the past year to our credit other than the student loan with Wells Fargo. After complaining our student loan was reduced to 6.24 %. However, when we were provided the papers to sign the loan was shown at 7.24 %. After complaining about the increase the loan papers reflected the 6.24 as promised. Wells Fargo manipulates the credit score to get a higher interest rate. The student loan rates is not reflective of the possibility of default. In our case it does not reflect a co signer, no debt other than Wells Fargo student loans, which are not in default or required to be paid until graduation, the borrowers inability to get relief from the debt by bankruptcy, or the rate Wells Fargo is charged to borrow money from the Fed. The credit score is fictitious because no credit reporting company will disclose how they take a persons credit information and come up with the individual credit score that is assigned. A person with no debt and significant assets will receive a lower score than a person with significant debt and no assets.
Consumer complaint received 2019-07-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

On XX/XX/2019, I reached out for assistance, to. No avail. 

Its very difficult working with them. It has dropped 100 point of my credit report. 

I reached out in XXXX, XXXX, and XXXX. I continue to make 30 payments every month. And its reporting late on my credit. I am the co- burrower, not the primary burrower. The primary person is not working. 


Thanks
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX 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 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

Citi wrote a letter dated XX/XX/XXXX. In the letter Citi stated " We ask that you contact us at XXXX to have your account reviewed. Our representative will assist in determining if there are available programs that suit your needs. '' I have contacted Citi on XX/XX/XXXX and after waiting on hold for about five minutes while the agent supposedly searched for what programs where available the agent came back and told me there were no programs available for me at this time and that I can call back after the end of the billing cycle which is around XX/XX/XXXX and have the account reviewed again. I called again on XX/XX/XXXX and was immediately to that there were no programs available to me at this time. I have contacted Citi twice now to resolve this however Citi is unwilling to negotiate any type of settlement or honor any one of my request such as removing this account from my credit report with the credit bureaus and still expects me continue making payments and charging me 26.99 % interest on an account that I can no longer use. 
In regards to the credit reporting and removing this account from my credit report with the credit bureaus Citi claims " Please be advised that under applicable laws, creditors are obligated to retain identifying and credit information in connection with a credit card account for a certain period of time. Therefore, although your account is closed to additional purchases, we are unable to delete your account records as you have requested. '' Credit reporting is not mandatory. Citi 's own customer agreement for the credit card states " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. '' Citi should be more specific and site specific laws it is referring to. Citi is not mandated, required, or obligated by law or its own customer agreement to report the account to a credit bureau so asking Citi to delete or remove the account that Citi closed on it own and without my permission or request and that I can no longer use is not an unreasonable request.