davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NM)

I received an offer from Citi Checking to start a checking account. I was to fund it with {$15000.00} and keep the funds there for 60 days and then keep at least {$10000.00} in the account for 90 days longer until I received the {$300.00} that was offered. They never paid me and when I called them they said they changed the offer language after I started the account. The account number is XXXX.
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc. (MI)

I had opened and used a credit card at XXXX. My intentions were good but adverse conditions including job loss, extremely high medical bills, personal injuries and a very sick wife who requires constant attention and care. The cost of providing care and loss of my job prohibited me from being able to pay this debt. I have explained this numerous times but the collection company continues to call only adding to my wife 's XXXX XXXX XXXX The amount owed is approximately XXXX.
Consumer complaint received 2022-03-07
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. (IL)

I have sent two letters one in XX/XX/XXXX and the follow up in XXXX of XXXX to XXXX and Equifax to remove addresses that do not belong to me. 
As well as unauthorized inquiries. 

XXXX let someone change my primary address to a New York address that I have NEVER lived in. I XXXX the address it is a building with business. 

Equifax is listing apartments, which Ive never lived in an apartment, address that are associated with former employers and addresses that belong to deceased family members. 

This is absolutely an FCRA VIOLATION and is a potential fraud/identity theft issue. 

Ive included letters that I sent to BOTH credit reporting agencies and have received no response from either. I included my drivers license as well as a utility bill.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. An XXXX XXXX XXXX XXXX XXXX that is now closed was made in my name with my information and also a closed account with XXXX XXXX XXXX  XXXX, along with a XXXX XXXX XXXX collection which doesnt appear on my Experian or XXXX XXXX reports. 

XXXX XXXX XXXX XXXX XXXX  account number is : XXXX It was opened on XX/XX/XXXX & is now closed. The account balance is {$240.00} The XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX, it is listed as an open account with a balance of {$280.00} The XXXX XXXX XXXX XXXXXXXX account number is : XXXX This account was opened on XX/XX/XXXX It is listed as a closed account with no balance. 

These accounts was opened at a address I DO NOT LIVE AT! NEVER HAVE!
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (NH)

XXXX BANK XXXX recently checked my Experian credit file for an installment loan or new bank account on XX/XX/2022. I do not recognize this inquiry nor did I apply for any loans or banks accounts through them or any other company. I tried contacting the company directly and could not get through. 

Source : Experian Company : XXXX BANK XXXX Address : XXXX XXXX XXXX XXXX, XXXX, ND XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2022-03-07
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-03-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

have been approved for mortgage they expired reapplied then this mortgage came up after 5 yrs saying i have balance, called XXXX  they sent me form showing i owe no money .advised equifax of this they said they would investigate they did not they just closed without checking i verified that with XXXX.lost house i was trying to buy because they did not do there job
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo closed my account on XX/XX/XXXX and scheduled for it to be closed on XX/XX/XXXX. Today after they continually did not notify me of anything they stated the deposit account will now be closed on XX/XX/XXXX They are holding my deposit account hostage, THIS IS A NOTICE TO CLOSE THE ACCOUNT ENDING IN XXXX immediately.
Consumer complaint received 2022-07-03
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. (FL)

I asked the Credit Bureaus to complete a verification on my credit report. They came back and stated that everything was accurate. Upon doing a investigation my self I found some improper actions myself. 

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, XXXX account number 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 2022-09-22
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. (VA)

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 2022-07-03
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. (TX)

in accordance with the fair credit act, XXXX XXXX XXXX account # XXXX and account # XXXX type of account collections, XXXX XXXX account # XXXX type of account revolving, the following inquiries : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX , has violated my rights 15 U.S.C1681 section 602 A states I have the right to privacy 1 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Also the collections failed to be validated by debt collection agency/ original creditor
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Equifax is currently reporting an incorrect account on my credit report. Equifax is reporting uplift account which is not reported on my other two credit reports because the account is incorrect. Equifax incorrect reporting is negatively affect my credit and is causing me undue financial hardship.
Consumer complaint received 2022-06-08
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. (MI)

I have a {$4500.00} debt for eviction, but my creditor is deceased. I have paid {$2000.00} already and had made attempts to pay the creditor directly when I found out he was deceased. XXXX XXXX XXXX XXXX XXXXXXXX, Al and recovery agency is XXXX. 

XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-06-08
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. (ME)

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 2021-04-16
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. (CT)

I reached out to the three bureaus and told them about at debt on my report that doesn't belong to me and asked them to prove the debt with my signature and the validity and send me the results and they have not. The item is XXXX XXXX # XXXX.
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX XXXX # XXXXXXXX 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 XXXXXXXX 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 2022-06-08
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. (LA)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-03-05
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. (OH)

XX/XX/2022 i spoke with representatives at XXXX, equifax, and XXXX about validating ( not to be confused with verifying ) of reportings on my credit report, they were unable too. i then asked them for a copy of when i sent any written documents of permissible purpose to validate the inquiries in question and i asked them for an audit trail, again they were unable too.
Consumer complaint received 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My complaint is about XXXX XXXX XXXX and Transunion Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2020. Because I did not apply for credit with XXXX XXXX XXXX on that date. 
Please launch an investigation into the XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2022-03-05
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)

On XX/XX/2021, I sent a letter and file a CFPB to dispute the negative accounts and Hard inquiry. Shortly after Filing, I was denied a car loan and apartment because of your failure to report with my written consent. I was able to sleep on my friends couch, but suffered a financial injury in the process. 
As a direct result of the Failure of reporting without my writing consent, I paid the necessary credit repair work. I enclose a copy of their invoice. 
In addition, as a direct result of the Failure, I was without an apartment and had to sleep on my friend couch till to this day and XXXX to stay shelter. I enclose a copy of an invoice for the XXXX cost of {$500.00}. 
In a recent phone conversation, you claimed that the Failure of reporting without my consent wasn't the result of your negligence and would have happened anyway. You also claimed that, even still I have not written an consent the items on my reports are verified, I should contact the creditors and lied about my debt being sold. 
As to the first issue, XXXX XXXX XXXX Of XXXX XXXX is prepared to testify in court that the negative items and hard inquiries reporting on my credit report without my writing consent. 
Second, I had no obligation to file another dispute to further resolve. I had the damage you caused and am prepared to prove this In court. 
As settlement of all claims related to this matter, please send me a check or money order for {$5000.00} on or before XX/XX/XXXX. This amount apartments denial, and fair compensation for my inconvenience and the discomfort brought on by my injuries. If I don't receive payment by that date, I intend to discuss this matter with a personal injury lawyer, and explore all my options for getting fair compensation. 
You may reach me during the day at XXXX in the evenings until XXXX  XXXX 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NC)

The following inquiries were NOT authorized : - XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was approached by a male while using the ATM at Chase Bank in XXXX. 

He scammed me into depositing a check for {$900.00} in my account with a fake check. 
I then took out {$500.00}, believing that money was his. 

I deposited a check into my account for a stranger. Thinking I was helping them make a deposit.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CAPITAL ACCOUNTS is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting act - XXXX XXXX XXXX  Account # XXXX XXXXn {$370.00} XX/XX/XXXX XXXXXXXX XXXX Account # XXXX {$1300.00} XX/XX/XXXX XXXX XXXXr Account # XXXX {$0.00} XX/XX/XXXX KXXXX XXXX XXXX Account # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account # XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX  Account # XXXX Charge off {$1900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Repossession {$0.00} 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.
Consumer complaint received 2022-06-08
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. (NJ)

XXXX XXXX XXXX partial acct : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct : XXXX .... 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Partial Acct : XXXX XXXX XXXX XXXXXXXX XXXX  NJ XXXX XXXXXXXX XXXX XXXX  Partial Acct : XXXX ... XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.SXXXX Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-07-03
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. (FL)

I have reached out to the following companies for them to validate the debt that they are reporting to the credit bureaus. It has been well over 30-days and I have not received a response, so I reached out to XXXX to remove the items. I have patiently waited for them to update my credit history by disputing the accounts listed below but XXXX has not responded to my letters. Please have XXXX to remove the accounts listed below since they are unable to validate the debt that they claim belongs to me. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 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 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My complaint is about XXXX XXXX and Transunion Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2020. Because I did not apply for credit with XXXX XXXX on that date. 
Please launch an investigation into the XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.