davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX AV XXXX, AZ XXXX
Consumer complaint received 2022-10-11
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Negative Accounts 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
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: Experian Information Solutions Inc. (NV)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i wrote your company last month on XX/XX/2024 and im being ignored which is a violations as my rights. By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I received a letter from US Bank saying they reversed my provisional credit ( {$99.00} from XXXX ) because I did not respond to their additional information they requested by mail. 
However, I never received any letters from them. 
So i called the CS immmediately on the same day, XX/XX/XXXX and requested to reopen my claim. 
They reopened my claim and was told that the provisional credit will show to my account in 48 hours. 
After 3 and 4 days, XX/XX/XXXX, XX/XX/XXXX I called the CS because i still did not received the credit and they assured me that I will get the provisional credit by XX/XX/XXXX. 
However, I wasnt sure about this so I called again on XX/XX/XXXX AND XX/XX/XXXX and spoke to a supervisor. They said they are not sure why other cs repXXXX said I would get the provisional credit by XX/XX/XXXX. Supervisor said it will take up to 10 to 15 business days. And they said someone will reach out to me on the phone on XX/XX/XXXX or XX/XX/XXXX to discuss my claim. 
However, as of today, XX/XX/XXXX, nobody called me or gave me the provisional credit. 
Bunch of lazy incompetence people working there. 

FYI, I already told us bank but the reason for this claim is I returned a pair of shoes I purchased thru XXXX but it was actually ship and sold by the third party.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
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: EQUIFAX, INC. (NV)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXperian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}
Consumer complaint received 2022-02-09
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. (LA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (DE)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney! Someone used my information to open a mobile phone service and credit card accounts. I need the following negative inquires removed from my credit report that's listed in the report immediately.
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2024-03-06
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. (CT)

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX- XXXX XXXX XXXX ( Original Creditor : XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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: EQUIFAX, INC. (NJ)

In accordance with the fair credit reporting act XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX XXXX  XXXX Account # XXXX ], XXXX XXXX XXXXXXXX [ Account # XXXX ], XXXX [ Account # XXXX ], XXXX XXXX XXXXXXXX [ Account XXXX XXXX ], XXXX XXXX Account # XXXX ]XXXX XXXX  [ XXXX ], XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX XXXX [ Account # XXXX ] XXXX and XXXX XXXX XXXX  [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-03-15
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: SYNCHRONY FINANCIAL (FL)

i check my credit at least one a week on XXXX XXXX  or XXXX because i like to know whats going on and what is the rough estimate of my credit. well i checked it yesterday night ( XX/XX/2022 and noticed a different credit card or account added to my accounts and i havent opened any new card in like almost XXXX years like im XXXX month away from it being XXXX years ago. i think something got added by mistake or fraud. The account that just got opened was for XXXX and the total utilization that was used is XXXX which made my credit drop XXXX points. ive already been in contact with all three credit bureaus to get this handled. I found out that the card is for Care Credit which i have no idea what is it or what it is used for
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX I called XXXX XXXX to correct the account number on my XXXX XXXX as the account number they had was a closed account it had just been closed. I spoke with a rep who assured me everything was updated and my Schedule payment for XXXX would go through the new account and XXXX auto payment would come out of the correct account. This was never done they continued to try to make payments from the incorrect account. I called XXXX XXXX at least XXXX times about this issue. I even scheduled my own payments from the correct account since they did not seem to be able to remove the closed account. They then refunded the late fee they charged because it was their mistake and the next day without notice they closed my account and said it was because I tried to make a payment with a closed account. I never tried to make a payment with a closed account and called them over and over again with the correct account number for my payments. On XX/XX/XXXX I called for the XXXX time and I spoke with Supervisor XXXX who said they had to pull the call and if they hear that I was asking the account number to be changed they may reinstate my card. The card should have never been closed especially after I called them back every time they called me telling them they were using an incorrect account number and the continuously told me the account was update while they continued to try and take payments from a closed account.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

As of XX/XX/24 there is inaccurate information reporting to XXXX, XXXX, and Equifax. My name identifiers are missing and inaccurate across all three reports. The law prohibits the reporting of information that is inaccurate. There are numerous accounts across the credit reports showing these inaccuracies.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I sent a letter to XXXX, XXXX and Equifax about collection accounts on my report that do not belong to me. They are in violation and have not responded. I am demanded that these accounts get deleted immediately.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

I have attempted for months to close my account which this bank compromise my security. I've tried for months, now they are charging me fees. I want this acvount closed and have no apparent route to do so. I can no longer seem to log into my acvount either. The call center are way too sensituve and wait with their finger on the hang up button. They are completely unprofessional.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I sent a letter to Experian, XXXX and XXXX about collection accounts on my report that do not belong to me. They are in violation and have not responded. I am demanded that these accounts get deleted immediately.
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: EQUIFAX, INC. (NY)

Enclosed, is a NOTICE and DEMAND for SETTLEMENT to Equifax Information Services LLC for willful inaccurate credit reporting to my Equifax credit file. Detailed in my Notice and Demand for Settlement is a list of all violations committed by Equifax as well as an invoice for {$88000.00} pursuant to [ 15 U.S.C 1681n ]. Also enclosed are ( 8 ) highlighted Equifax credit files detailing ( 11 ) violations on each report.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

XX/XX/2022 I am writing to dispute the following bankruptcy that is showing up as public records with XXXX, Experian and XXXX who has been reporting incorrect information for five years. 

I have enclosed a letter from the bankruptcy court stating they never reported a bankruptcy on my credit report at all. 
see attachment .... 

Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( XXXX ) as soon as possible. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Ive tried to close my checking account after being assessed multiple fees. The bank is unable to waive the fees so I attempted to close the account and was told Id be charged {$10.00} for a cashiers check because they didnt have enough cash to close the account. After asking to keep the account open if the fees were waived, they refused and are still unable to close the account.
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX WELLS FARGO CREDIT CARD XXXX XXXX XXXX XXXX, IA XXXX I WOULD LOVE ALL AND ANY FULL INVESTIGATION INFORMATION WELLS FARGO HEADQUARTERS etc. FOR FRAUD/IDENTIFY THEFT etc.I HAVE BEEN A DEDICATED CUSTOMER SINCE XXXX TO CURRENT.SO I WOULD LOVE ALL AND ANY FULL INVESTIGATION XXXX TO CURRENT OF, ALL AND ANY ACCOUNTS/ CREDIT CARDS / DEBIT CARD etc