davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-20
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)

n accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.
Consumer complaint received 2019-11-19
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2022-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

I had a debt on my credit report from Citibank. After attempts to dispute it with them for many years, I gave up. CITIBANK then randomly sent me a 1099-C cancellation of debt - code G " Decision or policy to discontinue collection. Decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' They sent this 1099-C form to an old employers address. Thankfully my employer had my info to send it to me or else i would not have gotten it. CITIBANK also sent it XXXX months after they had cancelled the debt ( and they sent it past the XX/XX/31 deadline ). With that said, XXXX  is still showing it as a collections account on my credit report. I submitted a dispute and provided the documents showing the debt has been cancelled at the creditors request, and i also showed them that the debt is also XXXX years old, so it should have been removed just on the statute of limitations alone. They came back with dispute results and said that " CITIBANK verified the information as accurate, so no changes were made ''. This legally is supposed to be removed from my credit report. Im not sure why they insist on keeping something on my credit report that not only has the documentation to prove its cancelled/discharged, but if CITIBANK is truly verifying this as an accurate debt, that means theyre actively going against the 1099-C " Cancellation of Debt '' IRS form they sent me , and i will have to let the IRS know that I have reported this as income due to cancellation of debt, but that CITIBANK is not honoring it , as i no longer have any responsibility for the amount owed.
Consumer complaint received 2022-03-20
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: Experian Information Solutions Inc. (CT)

On XX/XX/2022 I sent a letter to Experian, to do the following ( remove incorrect variations of my name, remove incorrect addresses that is not mine or where I live, seven incorrect hard inquiries, removal of late payments from dept of educationXXXX, removal of late payments from XXXX  and removal of inaccurate account from new XXXX XXXX  and they said the information came back verified which was in violation of 15 USC 1681 ( a ) ( e ) and to let them know they did not provide credible proof of verification as defined in the law. They failed to verify because to verify is to do an investigation and they did not investigate anything with any one of my neighbors as corporations can not talk to real people. They were also in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) because they were violating my consumer rights to report inaccurate data without my permission as the consumer. I told them who I was pursuant to 15 USC 1692c and 15 USC 1602 ( G ) and that I was the original creditor and did not owe any debt based on these hard inquiries. I do not owe any debts to any of these organizations they placed on my report but they feel as if the law does not apply to them as they do not respond to the consumer by reporting accurate information per instructions from the consumer.
Consumer complaint received 2022-03-20
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: Experian Information Solutions Inc. ()

Im having a issue with Experian and XXXX refusing to remove false late payments and false debt amounts. I have disputed the item several times. I have disputed items so much Im blocked from disputing the item. They are in direct violation of 15 U.S. code 1681b permissible purpose of consumer reports. I didnt not give anyone written instruction to furnish a report on me. I was told they didnt need my permission, which is false Second violation 15 U.S. code 1603g the consumer is the creditor, thats me so why are they reporting fraudulent debt. 42 U.S code 408 asking for a social security number on any credit transactions or loan because there is no lawful money is a crime. Clearly these company are violating all the consumer laws and reporting fraud. All debts are obligations of United States 18 U.S code 8
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

I contacted Bluebird Amex prepaid credit card company numerous times. My card has expired and I merely need a new replacement card with an updated expiry date. The one I have currently expired on XX/XX/2021 They keep giving me the run around. Today I called and they said that the address they have on file is not valid. I have lived at the same address which they have on file for nearly XXXX years! This is such a stupid issue & I just don't understand the gameplay. I have money on the card and can not use it because of the expiry issue.
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

Hi i had an account with Citibank and someone did fraud on my checking account They cashed in a For {$10000.00} and i disputed the check an it took them 5months to investigate and to tell me they couldnt help me
Consumer complaint received 2022-03-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

in accordance with the fair credit report act. capital one account # XXXX has violated my rights. 

15u.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 2022-03-20
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. (MS)

TRANSUNION was sent an affidavit regarding notice of violations on XX/XX/2022 via certified mail. I'm showing that they received the affidavit on XX/XX/2022. They were instructed to respond within 5 days if receiving the affidavit to respond. A reasonable amount of time has passed with no acknowledgement on their behalf. Once again my attempt to resolve all of my issues with TRANSUNION have gone unanswered. According to the law TRANSUNION is now bound by the contents of the affidavit due to lack of response. All violations are punishable in the amount of {$1000.00} pursuant 15 USC 1681n and 1681o. Tracking number XXXX XXXX XXXX XXXX XXXX shows proof of delivery on XX/XX/2022.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

The last complaint filed indicated they sent a letter to their agency to cease and desist, which is a lie. This company continues to harass me and filed a law suite without notifying me, and send a letter to my employer which caused me to be fired from my employer. Also, on my credit report its showing the account open and theyre reporting as if I still have an open account and possession of the vehicle. Theyre reporting to the credit bureau Im behind on my monthly payment. I do not have an agreement with TD Auto Finance & Im not behind on any payments. This car was sold per the blue book worth at auction for {$10000.00} and they didnt refund the warranty and gap insurance payments on the loan. They also applied additional credits, and did not include payments I made made prior to the repossession. Its showing I owe over {$28000.00} in which Im not going to pay because they have been paid for the car. This company has continued to harass me since XXXX, even more since XXXX ; desecrating my character and causes me to be fired from my job, and has repeatedly harassed me throughout the pandemic & currently.
Consumer complaint received 2019-11-19
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: CITIBANK, N.A. (KY)

I'm applying for a mortgage loan. When the mortgage company pulled my credit, Citi Bank CBNA is reporting to XXXX  ( only ) that I applied for a Bank Credit Card on XX/XX/2019. Please note, they are not reporting an open credit account, only that I applied for credit with them I have never applied for credit with Citi Bank or Citi Cards. My mortgage company is asking me to explain any recent credit inquiries on my credit bureau and since I did not apply for this credit, I can not explain it. I contacted XXXX  on XX/XX/19 to dispute this credit inquiry. XXXX  advised that I must contact Citi Bank and dispute it directly with Citi Bank to have the inquiry removed from my credit report. On XX/XX/19 and XXXX ET ; I called Citi Bank. Citi Bank told me I have no past or present accounts with them, which I'm aware of. Citi Bank 's fraud department said I have to dispute this inquiry with XXXX. I explained to Citi Bank that I already spoke to XXXX  and they stated I must dispute this with Citi Bank and Citi Bank will need to remove the credit inquiry from my credit report. The Citi Bank agents seem unsure of what to do and are not getting appropriate responses from their fraud department. I feel the agents I've spoken to at Citi are unable to resolve my issue due to their lack of training with this type of complaint.
Consumer complaint received 2017-08-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Recovery Group (TX)

Global recovery group calls several times a day, usually repeatedly in a row. They also leave threatening messages about finding out where I work and coming to my house. I have requested an address for debt validation and the man who calls me refuses to give me an address. I have asked repeatedly for a letter to be sent to my house and the caller refuses. He emailed me a letter even though I requested something in writing more than once. The letter says the company is global recovery group and also says the current creditor is XXXX XXXX XXXX. So I have no real information on who I 'm suppose to respond to. The call wo n't tell me his last name. The messages I receive are from a woman named XXXX who states I 'm going to be served with a claim at home or at work. Still, all requests for written communication or an address to send a certified letter are refused. They continue to call my husband and my parents house after I requested them to stop
Consumer complaint received 2017-08-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MD)

XXXX XXXX has claimed that owe XXXX XXXX {$2700.00} for a payday loan ( which is not legal in Maryland XXXX I have told them on several occasions that this is not my debt, they have listed this on my credit report
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

It has been far too long that I have been dealing with the inaccuracies and errors that the agencies continue to report. While I have worked hard over the past many months there has been no reprieve from the endless fraud that the agencies have continued to report. I am now leveraging my rights under the FCRA and FDCPA to correct this once and for all, since the agencies continue to want to violate laws and report inaccurate information
Consumer complaint received 2022-10-26
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. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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 by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you claim this account is100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Consumer complaint received 2023-06-10
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX  XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (TX)

I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.
Consumer complaint received 2022-03-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-09-24
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous 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 extortion. 
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 2019-01-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (CA)

They called me at work which I live in the state of California which states that they can't call you at work which they did knowing that I work at a XXXX and XXXX XXXX XXXX. 
This incident happened XX/XX/19 around XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-25
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

this loan was discharged in my chapter XXXX bankruptcy as of XXXX 2015 XXXX and XXXX XXXX refuse to delete the misinformation or report it as discharged!