davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Dear Sir, Citizens Bank did not answer my previous Grievance related to US Department of Home Land Security/Law Firm Check Deposits and Check Clearance Records, which are are missing in my bank records, clearance records and statements. Original Checks are missing and original checks are not returned to me. There is no electronic transfer authorization given to any bank or originator. Only Authorized checks XXXX/XXXX were given to US Department of Home Land Security ( for my individual XXXX premium processing fee amount of XXXX $ ) and Immigration Law Firm Respectively ( Immigration Law Firm fee amount of XXXX $ for processing XXXX premium documents ). Respective Law Firm has given the written statement that they have correctly deposited my original checks to Bank and US Department of Home Land Security, I am at liberty to submit the invoice, scanned copies of my original checks and law firm written confirmation to any Honorable Court, Respective Law Enforcement, customs officers and Immigration fraud department, I have only given Authorized checks with checks and social, and I have not given any electronic transfer authorization to anyone. I have only given Authorized checks XXXX/XXXX for my individual XXXX premium processing ( my address, SSN and my individual premium processing details are clearly mentioned in the check and address is same for all my checks since the day I opened the Charter One/Citizens Bank account ) to Immigration Law Firm. Citizens Bank violated authorized check terms and conditions, fraudulently tampered my original checks and destroyed my check clearance records and scanned copy of the checks in the Bank Statements and Records. Citizens Bank/Charter One Bank holds the complete legal accountability and responsibility for tampering my checks in the records. It comes under forgery act at concerned immigration department If anyone claim or use XXXX/XXXX checks for any kind of immigration benefit or visa on behalf of me, these checks XXXX/XXXX were only given for my individual XXXX XXXX renewal Premium processing along with my signature and SSN. In the response to my previous Grievance, Citizens Bank accusing US Department of Home Land Security and Law Firm that they did not deposit the original checks to Citizens Bank. May I sincerely pray Consumer Finance Bureau to refer my complaint to Respectable Federal Officer/Law Enforcement officer to investigate my complaint against citizens bank and also check with immigration fraud department, this is very important for me. There is a high possibility that my checks have been misused by someone and misrepresented me at XXXX, accordingly my original checks are missing, check clearance records are missing and check images are missing in the Bank Statements for Authorized checks, which is unlawful and illegal.
Consumer complaint received 2022-02-26
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. (CA)

IVE BEEN A MEMEBER OF EXPERIAN FOR 5 YRS RECENTLY THEY WILL NOT LET ME DISPUTE ONLINE AND TOLD ME THEY ARE GOING TO FIX THIS ISSUE ITS BEEN A YEAR NOW
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

hello, i have been making monthly payments on this account for months. said payments are automatically sent via bill pay from my bank on the same day each month. 

the payments are not reflected on my credit reports. is that legal??? 

also, my credit report shows that i am late. while the payment isn't what " you '' want from me, it is something. it is what i can afford. is it legal to report late each month when payments are being made? 

at least i am making an effort, an attempt, and doing the best i can to pay. 

i have phoned nelnet in an attempt to speak with the gal who answered my last cfpb complaint, yet no one knows who she is so therefore no one can get a message to her. perhaps she is using a fake name.
Consumer complaint received 2022-02-07
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. (FL)

This is not a regular complaint, as Ive now filled a complaint with the federal trade commission and the better business bureau. This is becoming extremely unacceptable and I demand these accounts be deleted immediately. Ive sent in multiple letters and even have tried calling an enormous amount of times. Equifax refuse to abide by the law and Im demanding something be done about this. It has been a very stressful process, their infringing on my right to privacy and has now cost me thousands of dollars. Ive never given any consumer reporting agency the right or ability to furnish ANY information of mine. Please have them delete these accounts as I will be forced to file for litigation due to the damages and stress caused.
Consumer complaint received 2019-07-31
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. (TN)

I filled Out An application Back In XXXX XXXX,2017. 
My Step dad also filled out an Application. 
The car lot Man name XXXX, commutation to my That my credit were bad. 
He told me that I did not get approve for the loan. 
A week from that I got that loan denied letter in the mail. 
Miss place my papers. 
I have requested paper from the Company that said they can not prove me no papers. 
Three Months ago I visit the car lot. 
XXXX ask me why are the loan on your credit you did not get approve for that loan, Our Step dad got approve. 
I need them to remove off my credit if they can not provide my denied loan letter.
Consumer complaint received 2022-12-03
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 2022
Consumer complaint received 2022-02-26
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 
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 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from XXXX and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.
Consumer complaint received 2022-12-03
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. (SC)

Hi, I have reported these errors and asked all three credit bureaus to validate my accounts! they still have accounts showing that are not correct, I also have a very common name and have had this happen in the past due to it. Please help with this thank you very much. 

In accordance with the Fair Credit Reporting Act these accounts have violated my rights 15 U.S.C 1681 section 602 A. States I have a right to my 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 XXXX XXXXValidate Account XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX  XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX XXXXXXXX XXXX XXXXXXXX Validate Account XXXX  XXXX XXXX Validate Account XXXX  XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account
Consumer complaint received 2022-02-26
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 
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 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from XXXX and Experian as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-02
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. (SC)

Hi, I have reported these errors and asked all three credit bureaus to validate my accounts! they still have accounts showing that are not correct, I also have a very common name and have had this happen in the past due to it. Please help with this thank you very much. 

In accordance with the Fair Credit Reporting Act these accounts have violated my rights 15 U.S.C 1681 section 602 A. States I have a right to my 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 XXXX XXXX-Validate Account XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX  XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX XXXXXXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account
Consumer complaint received 2019-07-31
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. (CA)

I placed a complaint to the CFPB regarding Equifax and XXXX XXXX on XX/XX/14 ( report # XXXX ) and still to date, the complaint is opened because Equifax did not do a proper investigation and has allowed the creditor XXXX XXXX to stay on my credit report after they failed to reply to the dispute/complaint within 30 days. It has been well over 30 days since I placed the complaint. XXXX XXXX has not responded to Experian regarding my complaint of my account having fraudulent charges, due to identity theft and about the charges still not being settled and regarding my balances on both credit card accounts ending in XXXX and XXXX being incorrect. The balances are incorrect and I am asking that Equifax remove XXXX XXXX and its balances from my credit report. XXXX XXXX was given plenty of time to respond to Equifax and the CFPB and they have not. It's been over 40 days since my complaint and dispute. This is a serious case, as my identity was stolen and fraudulent charges were made on my XXXX XXXX account and still to date, after 40 days, XXXX  has allowed it to stay on my report, even without the creditor XXXX XXXX not responding after 30 days. I would like for Equifax to remove both of the XXXX XXXX accounts. They have refused to respond in a timely manner.
Consumer complaint received 2019-07-31
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. (FL)

I sent a letter to XXXX and Transunion after disputing the inquiries with the original companies. I also contacted them and nothing was corrected. I did not authorize the following inquiries on my XXXX/TRANSUNIONreport. I requested them to remove the inquiries since I did not authorize. 

XXXX REPORT XXXX XXXX I have an open account currently with them. That account resulted from a different inquiry date XXXX XXXX XXXX bank XXXX-XX/XX/XXXX-I have an open account with then. That account resulted from a different inquiry XXXX bank XXXX XXXX  Bank-XX/XX/XXXX XXXX Financial-XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX TRANSUNION REPORT XXXX XXXX XXXX Bank-XX/XX/XXXX XXXX and XX/XX/XXXX an account was opened that I did not authorize XXXX I do not have a XXXX card XXXX-XX/XX/XXXX-I have an open account with them that resulted from a different inquiry date. 
XXXX
Consumer complaint received 2021-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/XXXX I demanded Transunion to investigate and verify 6 accounts that was allegedly mine. I didn't receive a response. On XX/XX/XXXX I sent another response with a copy of the letter that I mailed on XX/XX/XXXX. I will upload both of those letters. I asked for those accounts to be verified in XX/XX/XXXX and I also had them put a fraud alert. During each of these times ; XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX those same accounts were still being reported on my credit report. I have yet to receive any proof of the investigation. I sent an affidavit and cease and desist on XX/XX/XXXX through first- class certified mail with return receipt and they delivery date was XX/XX/XXXX. My consumer rights have been violated and the company has violated six FDCPA laws as follow, 1. 15 U.S. Code 1681i ( A ) ( 1.A ) 2. 15 US Code 1692e 3. 15 US Code 1692g on 3 of those accounts being disputed 4. 15 US Code 1692j ( a ) ( b )
Consumer complaint received 2022-10-10
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. (CA)

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. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}, XXXX XXXX XXXX  XXXX Date Opened : XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$24.00}
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ridge & Valley Realty, Inc. (CO)

This is in response to case XXXX. 

I have requested multiple times in writing that Credit Systems Inc provide me with detailed and signed statements. Credit Systems Inc has still failed to provide a detailed statement as to what services were performed for the {$570.00} that they falsely claim that I owe. 

The CFPB website provides an easy way for Credit Systems Inc to upload the requested documentation. 

I also find it very suspicious that they claim that I owe them {$570.00} and I paid {$790.00}. 

I've attempted to contact this collection agency multiple times and they refuse to communicate.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc. (LA)

Company keeps calling everyday asking for a XXXX XXXX. Ive informed them it is wrong number but continue to call every day leaving harassing messages. Ive never had any loan or businesss dealings with this company.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.