davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. As the original creditor and executor I never granted any specific company the right to contact me and they did so continuously use abusive practices. Under the Fair Debt Collection Practices Act 15 USC Section 1692 I was a victim of invasion of my privac Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (PA)

Received a XXXX XXXXXXXX XXXX credit card in the mail for an amount {$6000.00}. I notified XXXX XXXXXXXX XXXX I did not request this and they did close it. But when I asked to have removed from my credit report they refused. I did advise them that I have a Fraud alert and a credit Freeze on all XXXX credit Bureau 's. XXXX XXXX XXXX
Consumer complaint received 2022-03-18
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. (MA)

In accordance with the Fair Credit Reporting act, these inaccurate accounts have violated my rights. Please see below : XXXX XXXX  XXXX - XXXX - please Delete this account for violation because the date of last activity is reporting inaccurate dates. 

XXXX XXXX  - XXXX  - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

XXXX XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

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 2022-03-18
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. (IN)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. As the original creditor and executor I never granted any specific company the right to contact me and they did so continuously use abusive practices. Under the Fair Debt Collection Practices Act 15 USC Section 1692 I was a victim of invasion of my privac Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (OH)

For the past two weeks, Ive been depositing {$60.00} into the account. Twice, theyre saying that my accounts been flagged for suspicious activity but its been since the account was made. They tell me to wait it out, but its been two weeks and I want access to my money. I have {$120.00} sitting in the bank. Deposited {$60.00} each ( sept. XXXX and XXXX ). Venmo, the XXXX XXXX XXXX, says they have to follow rules and theres nothing they can do and to wait a few hours after its been weeks.
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AR)

The scammer obtained access to an email account owned and run by the construction company that I hired for my business. The scammer continued an email chain that was originally started by the actual XXXX XXXX from XXXX XXXX. The initial email was an invoice for {$89000.00}. I said I'd send a check. The scammer then replied from the real email address of XXXX with wire instructions for an account that we now know is actually not affiliated with XXXX XXXX. I sent the wire on XX/XX/XXXX and today, XX/XX/XXXX, XXXX XXXX reached out to tell me that they had not yet received my check. That led to us discovering that his email account had been " hacked ''. 

My bank, XXXX XXXX Bank XXXX Arkansas ), wired the money to Wells Fargo Bank.
Consumer complaint received 2022-03-18
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. (FL)

I sent letters over 30 days ago and haven't received a response. I'm concerned about invalid items on my credit report. I'm under a lot of stress and having a hard time day to day after seeing the items on my credit report.
Consumer complaint received 2022-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (FL)

I THE AFFIANT SENT A NOTICE OUT XX/XX/XXXX STATING 15 U.S.C. SUBSECTION 1692B ( 2 ) 15 U.S.C.SUBSECTION 1692E ( 10 ). I THE AFFIANT, DIDNT ASK FOR MY ACCOUNT TO BE CLOSED. I THE AFFIANT IS BEING IGNORED. THIS GOES AGAINST FCRA SECTION 623
Consumer complaint received 2022-03-18
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. (WI)

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 XXXX has me at a score around XXXX. 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 .This 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 XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX XXXX
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

CHAPTER XXXX AND CHAPTER XXXX BANKRUPTCIES Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2015-12-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I am writing this complaint in reference to a charge on my AAdvantage Citibank Visa Credit Card account, which I am disputing. At some point in XXXX 2015, my account was victim of fraudulent charges, after which I had to be issued a new card. Upon discovering one the charges ( by XXXX XXXX ), I immediately called the merchant to inform them of that charge ( Ref # XXXX, {$2500.00} ). I also contacted Citibank regarding the fraudulent charge. Citibank promised to investigate the matter but did not readily credit the disputed amount. Given the exorbitant amount of the charge and the fact that I was unsure if the money would be credited back by Citibank, I tried to resolve the matter with the merchant, which took a lot of time and effort. The merchant eventually agreed to issue a courtesy credit of {$300.00} for the pain and suffering that the fraudulent charge had caused me, as well as the amount of time I had spent trying to resolve the issue. Eventually, Citibank also issued a credit on my account for the original amount of the fraudulent charge. On XXXX/XXXX/15, the abovementioned credit of {$300.00} was posted to my account. However, the credit was later reversed on or about XXXX/XXXX/15. When I called Citibank to inquire about why this credit had been reversed, I was informed that the credit had been reversed because I had been given a double credit for the same charge. 
I dispute the fact that I was given a double credit for the same charge. The credit of {$300.00} was specifically issued by the merchant on a voluntary basis, and as a courtesy to compensate me for pain and suffering due to the fraudulent charge and the time spent to try and resolve the issue, while the credit issued by Citibank was for the charge itself. I believe this credit of {$300.00} should either be put back on my account or returned to the merchant, and in no way should be kept by Citibank, as it was specifically issued to me by the merchant and for the specific reasons mentioned above. It would be unlawful for Citibank to intercept and " pocket '' this credit.
Consumer complaint received 2022-12-06
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. (TX)

I am a victim of identity theft. My information was used without my permission to open XXXX XXXX XXXX XXXX XXXX  accounts XXXX : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX {$4000.00} open date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$8000.00} open date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX {$7400.00} open date XX/XX/XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX I have contacted the XXXX XXXX police department filed a official police report for this fraud. I have also contacted the federal trade commission and filed a affidavit. I sent all information pertaining to Experian, XXXX and XXXX yet the fraudulent Accounts have not been deleted. Please help me with this situation
Consumer complaint received 2022-05-06
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2022-03-18
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. (FL)

On XX/XX/XXXX I sent Equifax a letter disputing the XXXX XXXX XXXX account they are reporting on my credit report. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified. I disagreed with their report and sent another letter on XX/XX/XXXX asking for another investigation with proof of who they verified the account with as well as to delete the account. I did not receive a response. On XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I received a letter on XX/XX/XXXX with a credit report. This still showed the account as verified with a last payment of XX/XX/XXXX and the first delinquency as XX/XX/XXXX. I then sent a letter showing that his account has continued to show as charge off since XXXX. This a manipulation of the statute of limitations. I received an updated credit report on XX/XX/XXXX and this account still remained as verified. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this possible? I have also sent in a letter showing I have been in default with the company since XX/XX/XXXX but again this has not been updated with Equifax to show the correct date of delinquency. Equifax is also reporting the last payment as XX/XX/XXXX. There was no payment made on this date.
Consumer complaint received 2022-05-06
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

THere are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.
Consumer complaint received 2022-03-18
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: KEYCORP (OH)

We ordered tacos from XXXX XXXX for a food order for XXXX. My credit card declined for no reason. There was $ XXXX available. I tried to use it again and it still declined. I called key bank and was told there was $ XXXX available so it shouldn't have declined. I called the restaurant and they said they could not see an order so We used my boyfriend 's XXXX for the order. I decided to view My account because I didn't understand why it declined. My card had been charged XXXX for an order that was paid for with My boyfriend 's card because mine declined. My credit score was lowered substantially because Keybank reported amounts of XXXX XXXX times to credit agencies. Because the lender charged My card so many times it increased My credit usage. My secured card had a {$300.00} credit limit. I disputed the charges but it was reported as an excessive percentage of credit usage which caused my score to drop. I called Keybank again that Sunday and was told the charges would drop. I disputed them anyway and checked again. By XXXX  XXXX had dropped but there was still XXXX lingering. I called the restaurant and the XXXX said he would let his IT dept know and that if I still had a problem to call him back but the only order he could see was the one under my name paid for with My boyfriend 's XXXX. I checked my account again on XXXX  and the XXXX charge for {$32.00} was still showing on my end. I called Keybank and explained to their repXXXX what had happened. She suggested that I order a new card because of all the problems with the card I used. I had already paused the card online myself and told the rep. I had frozen it until the confusion was cleared up. I called Keybank and tried to view my account. I couldn't view it. My credit card account had been removed. I spoke with the rep and was told there were XXXX charges showing again. I told the rep. I didn't understand how that could be when as of XXXX  there was only XXXX that needed to drop. If this isn't cleared up it will drop my score again because of the bank 's error. I called and the representative at Keybank said there is nothing she can do right now but my credit report should update once keybank reports again. I asked her if she knew when they would report again. She said she didn't know. So as the consumer my credit which I am working hard to rebuild is being destroyed by Keybank. This is not right! This is not fair to me as a Keybank customer. I sent the requested information to Keybank showing where the order was paid for with My boyfriend 's credit card.
Consumer complaint received 2022-05-06
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. (OK)

I have already opened a dispute with the XXXX XXXX XXXX and they failed to remove the account from my credit report. I did not open a leasing contract with the company the collection agency is reporting for. The collection agency has also failed to provide documentation of a leasing agreement with my signature.