davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish.. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. failing that, the item must be deleted from the report as soon as possible. 

Creditor agency : Phoenix Financial SE {$1800.00} the listed item is completely inaccurate and incomplete, and is a very serious error in reporting. please delete this misleading information, and supply a corrected credit profile all creditors who have received a copy within the last 6 months, or last two years for employment purposes. 

Additionally, Please provide the name, addresses, and telephone number of each credit grantor subscriber. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description the procedure used to determinate accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of completion of your re-investigation. 

Sincerely XXXX XXXX SS # XXXX
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NJ)

I have placed a security freeze on my account. I needed to verify my identity but was unable to because Experian had not lifted my freeze. I have called experian 5x now- have talked to multiple supervisors, upload documents. and my account still has the freeze in place. I have asked experian to lift all freezes/holds so that they are not holding up verification but have not been able to achieve success.
Consumer complaint received 2022-05-01
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX {$320.00} Open balance XXXX XXXX XXXX  Original creditor 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 an account without my written instructions.
Consumer complaint received 2021-12-01
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. (TX)

Over the last XXXX months, I have been trying to correct my credit report and I have been told by the XXXX XXXX XXXX, such as XXXX, XXXX, and Transunion. 

Per speaking with them I have found very disturbing information that is really frustrating. I have tried many times to have them correct these theses and you will see in some of the screenshots. 

I have disputed these items that are on my report several times and all they say is that it has been verified but how can these accounts be verified when they have not shown me any paperwork. I never gave them permission to put this on my credit report. 

Bankruptcy Discharged XX/XX/2018 The accounts that were discharged in my Bankruptcy are as followed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
As a consumer, I have asked for it to remove and it is still on there. This is hurting me from receiving credit, this is causing XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-02-18
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: Innovis (IN)

XXXX XXXXE XXXX SENT A LETTER TO ME AND XXXX   DEMANDIN G THEY REMOVE ALL XXXX XXXX XXXX XXXX AND XXXX XXXX TRADELINES FROM MY CREDIT REPORT. 

XXXX XXXXXXXX XXXX XXXX NO.XXXX6 XXXX NO.XXXX & XXXX NO.XXXX
Consumer complaint received 2018-02-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC. (CA)

XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Past due 120 days Status Updated XX/XX/XXXX Balance {$2600.00} Balance Updated XX/XX/XXXX Credit Limit {$2400.00} Monthly Payment {$120.00} Past Due Amount {$550.00} Highest Balance {$2600.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-grantor request-reported by subscriber XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Dear Sir or Madam/To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency never sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Please reply within 15 days or delete the negative items, as originally requested. 
Below are the items that do not belong to me that you continue to report illegally. 

1. XXXX XXXX Account # XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention a pressing issue regarding the prompt removal of charge-off accounts with incorrect balances from my credit report. As a conscientious consumer, I value accuracy and transparency in my financial records, and I am deeply concerned by the discrepancies that have surfaced. 

Upon reviewing my credit report, I discovered several charge-off accounts with balances that do not accurately reflect my financial history. Despite previous attempts to address these inaccuracies, they persist, causing undue stress and frustration. 

It is imperative that these erroneous charge-off accounts be swiftly removed from my credit report to prevent any further damage to my credit score and financial standing. I urge your team to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request a thorough investigation into the root cause of these inaccuracies to prevent similar occurrences in the future. It is essential that your company 's systems and procedures are robust enough to ensure the integrity of consumers ' credit reports. 

I expect timely communication and updates regarding the progress of resolving this issue. Additionally, I seek compensation for any adverse effects these inaccuracies may have had on my credit score or financial opportunities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX  XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2021-12-01
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 XXXX XXXX, who is submitting this CFPB complaint myself. This company is currently showing 30 days late XX/XX/XXXX ). I have read enough to understand my rights. Transunion is attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXX XXXX XXXX )
Consumer complaint received 2018-02-14
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. (FL)

A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX   XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score.

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.
Consumer complaint received 2021-02-08
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. (NY)

I sent a letter to each Bureau on XX/XX/2020 and I have yet to receive any information about the results. it is my understanding that Transunion, XXXX and XXXX  have 30 days to respond. It has now been over 60 days. I would like my results as requested because they are breaking the laws. the FCRA clearly states that I must have an answer or they must comply with my request.
Consumer complaint received 2023-03-25
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (SC)

Yes I had a car loan but 3 to 6 months into my car payments the transmission was going out, I call and explain this, so I couldn't afford to fix it and make payments when I just got it, long story short I turn the car back n and that was 6 years ago. Didn't know much about car loan or credit until now. They sold the car and still have the full balance on my credit report. I did not know until now that I am responsible for the outstanding balance if there is one. So from 6 years until now the account is still open and reporting as late payments. XXXX has I made 0 payments on time and XXXX has I made 65 % payments on time. We both know all parties have to have the same thing this is inaccurate information on my credit report with payments making my credit report go downhill further I need help with this please
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the fair Credit Reporting act XXXX Account # XXXX, # XXXX XXXX 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 2021-09-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion employee informed me to send in a letter of all unauthorized inquiries and they will be removed without any issues. I send in the letter like requested and waited 30 days for a response. I called up to transunion and was told I would have to investigate myself pretty much and theres nothing they can do about it. They did not contact me, they lied to me and now telling me one thing and doing another. This is horrible and they make it hard for innocent people like me to get unauthorized inquiries they agreed over the phone to take off but never did removed. Management nor workers are trying to cooperate with cfpb law to contact consumers before 30 days and giving the runaround and listing unauthorized inquiries on peoples credit reports
Consumer complaint received 2020-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX Credit card has not been updated by Transunion as a XXXX balance since XX/XX/2019. I do not have any balance owed to XXXX Credit card.
Consumer complaint received 2020-09-11
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: TD BANK US HOLDING COMPANY (FL)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B,  15 U.S.C. 1681c-, And police report. 
after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-12-01
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. (NY)

A Citibank XXXX XXXX XXXX card was opened fraudulently using my personal information and {$24000.00} was charged to the account. The fraudulent account was reported to Citibank as well as the police ( complaint # XXXX XXXX XXXXXXXX ) in XXXX XXXX where I live after I found out about the account from a debt collection agency phone call. 
After a supposed review by Citibank, I received a letter stating that the bank has determined that I am responsible for the account because payments were made from an account that belongs to me, which is false.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (IL)

This complaint is regarding navy federal credit union. Im proceeding with this complaint because theyre having serious calculation issues. My deposit amount dose not match my expenditures and the total amount of my deposit is incorrect. My account is saying I have a negative balance when after calculating my expenditure, it shows a difference of almost {$300.00}. The nearly {$300.00} is money that is being held from me for reasons unheard of. The company also has an appalling hold message that should be considered as harassment as well as terrible customer service ; also harassment.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

I woke up morning of XX/XX/2018. Noticed in email format I have a pending transaction of {$1000.00} pending. It was all in spanish as well as all further contact through paypal until I switched it over in settings back to english. I called XXXX and bank explained situation. Bank put a freeze on all XXXX transactions and XXXX has an activity freeze in place. UPDATE : After speaking with my bank. ( US BANK ) on XX/XX/XXXX, I was reinsured that the XXXX transaction would not go through, it wasn't even on their radar. Monday morning, XXXX, XXXX, 2018 US bank allowed the transaction to go through and charged me insufficient fees. It is now showing my US Bank account as - {$1000.00} insufficient funds. I did everything I was supposed to do but it appears the financial institutions did nothing to guard me or help prevent this. I'm in the middle of sorting it all out, I just want it on record with you. I have a letter stating that US bank confirms a stop payment on XX/XX/18. When I spoke to the fraud department of US Bank XXXX told me ( Tues XXXX XXXX that even though I called first thing on XX/XX/XXXX they disny stop the payment because it takes 3 working days. I have a letter dating XX/XX/XXXX stating different. letter states it has be placed on stop payment. I do not want to pay any XXXX or Us Bank fees do to their incompitance and lack of urgency. Please, any help on this matter would be greatly appreciated. Sincerely, XXXX XXXX
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A check intended to pay our accountant was STOLEN from our mailbox and deposited by XXXX XXXX. Bank of America will not refund our money because we did not catch it in time, missing their 60-day window by only 15 days. 

This is a clear cut case of check forgery and mailbox theft. 

XXXX XXXX needs to answer for these crimes.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I HAVE CONTACTED THIS COMPNAY WEEKLY ABOUT FALSE INFORMATION BEING ON MY CREDIT REPORT AND THEY HAVE DONE NOTHING!!! EVERY TIME I CALL THEM THEY CLAIM THEY HAVE PUT THINGS IN DISPUTE BUT THE WHEN I CALL BACK DAYS LATER I AM TOLD THAT THEY PREVIOUS REP LIED AND THINGS HAVE NOT BEEN PUT IN DISPUTE. I CONTACTED ALL OF THE COMPANIES LISTED UNDER MY INQUIRIES AND WAS TOLD THAT THEY HAVE NEVER RECEIVED ANY INFORMATION FROM TRANSUNION. I WAS ALSO TOLD THAT BECAUSE THEY WERE FRAUD ACCOUNTS THAT TRANSUNION SHOULD HAVE DELETED THEM IMMEDIATELY! THIS COMPANY HAS DONE NOTHING!! THEY HAVE A XXXX XXXX ACCOUNT ON M CREDIT REPORT THAT I WAS LISTED AS AN AUTHORIZED USER ON ... .THAT ACCOUNT HAS BEEN TERMINATED AND THEY STILL HAVE IT LISTED ON MY CREDT REPORT!!! I CONTACTED XXXX  XXXX AND THEY ASKED ME WHY WAS IT EVEN ON MY TRANSUNION REPORT!! I DISPUTED IT AND CONTACTED XXXX  XXXX AGAIN!!!! AND THEY INFORMED ME THAT THEY HAVE NOT HEARD FROM TRANSUNION!! SO THIS IS LISTED AS A NEGATIVE ON MY CREDIT REPORT AND IT SHOULD NOT EVEN BE ON MY CREDIT REPORT!!! THIS COMPANY HAS XXXX YEAR OLD STUDENT LOANS ON MY CREDIT REPORT AND I HAVE TRIED TO BE NICE AND WORK WITH THEM BUT THEY JUST GIVE DIFFERENT ANSWERS AND LIES!!
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I opened a new Citibank Regular Checking account on XX/XX/2020 and provided opening funding of {$15000.00} from my XXXX XXXX XXXX checking account. Almost immediately, and before I took any other actions, Citibank froze my account and sent notice via the online portal that my account was to be closed. 

Citibank would not send the money back into XXXX  XXXX XXXX or provide any other avenue for me to get my money back. I was told at one point to XXXX XXXX  XXXX XXXX to pull the money back themselves, which they told me they could not do. 

Citibank has instructed me that I will just need to continue to wait and that there is nothing they can do to escalate the situation. I have been told that it could take " up to 60 days '' since the account was closed until they send me a paper check to return the money that they continue to hold. On my most recent call with Citibank on XX/XX/XXXX, I was told to call back again in the last week of XXXX " for an update '' since I am currently part of a queue in line with others and that they have other cases to process ahead of mine. 

This means that Citibank will have effectively been able to hold {$15000.00} of my money for ~2.5 months without providing me any avenue to retrieve it and without providing any sort of recompense.
Consumer complaint received 2024-02-27
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and DELETION due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX